23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX DOBXX/XX/XXXXSOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX DOBXX/XX/XXXXSOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Checking or savings account

I am being reported to XXXX XXXX and I don't think I should be reported to XXXX XXXX.They sent out an affidavit to me.So I could sign it so they can investigate the claim.They changed my account over with my permission and authorization.But didn't really help me.So I changed it back.They promised to help me and the first rep promised to help me with a payment arrangement and extension.The account shouldn't been charged off There is a valid claim on file.I want this matter investigated asap.I want the account reopened or I want to be able to reopen the account and continue my banking history with bank of America.I want the claim investigated.I want to sign the affidavit.Bank of America is reporting incorrect and inaccurate information to a consumer reporting agency.The consumer reporting agency is XXXX XXXX.My account shouldn't been charged off.I still have a valid calim on file that hasn't been investigated.When is it going to be investigated. 
I will be filing a XXXX XXXX dollar federal class action lawsuit in US District Court Federal Court.I am a law sudent.
Product: Debt collection

I visited XXXX XXXX XXXX XXXX in XXXX XXXX California for an XXXX XXXX I used my military health insurance plan to pay the services. I later received a bill 6 months after that visit stating I owed XXXX dollars. I called the office and paid the bill over the phone. Not even 2 months later they had a collection item on my credit for XXXX dollars. I have called and called and have not gotten them to delete this off of my credit. I understand the amount is XXXX but it shows under collections.
Product: Debt collection

I have no knowledge of this account and have reached out to the company for the burden of proof to be sent to me please remove this account it is a result of fraudulent activity and actions.
Product: Credit card or prepaid card

My company was approved in XX/XX/2023 for a merchant credit card processing account with " PaySafe ''. Unfortunately, they use a LOT of different names for the same company, including " XXXX XXXX XXXX XXXX '', and " XXXX ''. Many times, I had no idea who was who, nor did I know that they were from XXXX. 

Our account was approved on XXXX XX/XX/2023, after a review of my companys BANK STATEMENTS that were sent on XXXX XX/XX/2023, for the following limits : {$5000.00} average sale, {$25000.00} maximum sale, {$50000.00} monthly average. By PaySafe 's own admission, they approved our account without properly reviewing the bank statements, or my personal credit. Naturally, PaySafe would like to paint us as a huge risk to them, when in fact they have become a huge risk to us. 

After just our fourth transaction, a customer attempted to pay his {$5000.00} invoice with a XXXX XXXX credit card. After receiving three " declines '' by his credit card issuer, the transaction was approved after a quick phone call to them by the customer. 

At no point in time was I told that this could be a reason, in whole or in part, to hold funds for up to 180 days. In addition, PaySafe said that the credit card information was manually entered. While this is true, I had no idea that it wasnt an accepted norm. At no point in time was I told that this could be a reason, in whole or in part, to hold funds for up to 180 days. 

Ultimately, PaySafe has held the money of three of our customers, for a total of {$18000.00} for up to 180 days. PaySafe also closed our merchant account, noting the reasons for closure to be actual processing observed is inconsistent with expected. The held amounts are XXXX XXXX, XX/XX/2023, {$3900.00}- XXXX XXXX XXXX, XX/XX/2023, {$5000.00}- XXXX, XX/XX/2023, {$9400.00}. We have advised our three affected customers to initiate disputes ( chargebacks ) against PaySafe to recover their funds. 

We will recommend that they each do as we will do, and make reports to their respective XXXX XXXX XXXX XXXX XXXXXXXX  ), State Attorney General Office, Federal Trade Commission ( FTC ), and other government agencies as may be appropriate. We may also initiate legal efforts to collect these substantial funds, in addition to any and all associated costs resulting from the actions of PaySafe.
Product: Credit card or prepaid card

Back in XXXX I sent a letter to Bank of America explaining we are having financial difficulties and being retired the health expenses have been increasing. I don't want to ignore my two account balances but I need to reduce the interest rate from 15.99 and 22.00 % to zero and lower the monthly payments at least for a year. 
They told me they do not have any program available and referred me to a consumer credit company, I contacted them but the offer was unacceptable as they intended to increase my monthly payment, which I can not afford.
Product: Debt collection

I am being contacted by a debt collector with whom I have no prior agreement or credit relationship. I have sent two certified letters requesting proof of a contractual agreement between the debt collector and myself, as well as proof of their legal right to process and use my personal information. Both times, they responded with a bill from another company, which does not satisfy my request for validation.

I have also contacted the original creditor twice regarding this matter and have not received any response. The accounts in question were removed by the original creditor as a charge-off. Additionally, I requested a Form 1099-C from the original creditor for any canceled debt, but I have not received this document. 

I am requesting the CFPBs assistance in resolving this matter, as my attempts to obtain proper validation and documentation have been ignored.
Product: Money transfer, virtual currency, or money service

This is the second time I'm filing a complaint and next time I'll file a lawsuit or get the NY DA to subpoena Citi. I was working with XXXX XXXX at the executive office to get Citi to release my funds which were stolen from me in the form of cashier 's checks by a Citi customer. Citi has ignored my request despite calling in multiple times and getting passed around to different representatives.
Product: Credit card

I deposited a convenience check to my personal checking account in the amount of {$4000.00} from my Salliemae Mastercard on XXXX/XXXX/16. The check was returned on XXXX/XXXX/16. I have not received a credit to my Salliemae Mastercard to date. The sequence of events is below. 

XXXX/XXXX/16 -- Received Balance Transfer Checks with promotional APR that specifically stated that the transactions must post by XXXX XXXX to : Transfer balances from other card Finance home improvements or renovations Write a check to yourself XXXX/XXXX/16 Contacted XXXX ( Sallie Mae/payable through Barclays Bank Delaware ) to verify credit limits and terms if I wrote a check to myself. 
XXXX/XXXX/16 Deposited check # XXXX for {$4000.00} into my personal checking account at XXXX ( XXXX XXXX XXXX ). There were no holds placed on the deposit. 
XXXX/XXXX/16 Check was returned as " not authorized '' ; {$12.00} total returned check fees were assessed XXXX/XXXX/16 Contacted XXXX XXXX at Barclays ; stated that the check had cleared and that I needed to address the issue with XXXX. 
XXXX/XXXX/16 Received legal copy of the returned check from XXXX. 
XXXX/XXXX/16 Contacted XXXX -- XXXX ID created XXXX. Transferred to XXXX. XXXX at XXXX ; Continued to maintain that the issue was with XXXX XXXX/XXXX/16 Contacted XXXX ; Told that the case was closed and that I would receive a copy of the check from Barclays within the next week. 
XXXX/XXXX/16 Received copy of the check from Barclays and took it to the XXXX ( XXXX XXXX XXXX ). Contacted XXXX XXXX at Barclays ; suggested that I fax or email the legal copy of the returned check from XXXX. Successful transmission via fax at XXXX at XXXX. 
XXXX/XXXX/16 Contacted XXXX XXXX at Barclays ; potential review/reopen of case for adjustments to be applied on XXXX/XXXX/16 XXXX/XXXX/16 Went to the XXXX XXXX XXXX for XXXX XXXX where Branch Manager, XXXX XXXX with my permission spoke with XXXX XXXX at Barclays. XXXX reversed the returned check fee of {$12.00} and asked to redeposit the check. We were told that was not an option but that the credit to my card would be expedited. The ref # XXXX XXXX/XXXX/16 Payment made to Barclaycard of {$200.00} including {$4000.00} withdrawal, {$160.00} cash advance fee, {$94.00} in interest. 
XXXX/XXXX/16 Contacted XXXX XXXX at Barclays ; notated that the information had been sent to the appropriate department but that he would " expedite '' it. 
XXXX/XXXX/16 Received new Sallie Mae Mastercard statement without credit with a payment due XXXX/XXXX/2016. 
XXXX/XXXX/16 Contacted XXXX XXXX at Barclays : stated that a letter had been sent to my attention on XXXX/XXXX/16. Stated that she needed to contact settlement department. No resolution notated on my file.
Product: Debt collection

XXXX XXXX has taken over this account. I had this account with Covington Credit, and had a payment arrangement and then was XXXX  with a XXXX. During that time my account was sold to XXXX XXXX. They call my phone 3 times a day, call my wife even if I talk to them and call me everyday even after talking to them. They threaten me with a lawsuit every call. They will not let me dispute debt or give proof of debt. They told me today they could call me 9 times a day if they want. The " manager '' today said that they could call or come to my home or work whenever they wanted. They also told me they won't honor previous payment arrangement because they won't get paid. My XXXX was even laughed at by the manager. I told then I would pay them that day, but they told me I would see them in court and good luck.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report dated XX/XX/year>, and identified hard inquiries that I did not authorize. These inquiries violate 15 USC 1681b, as they lack a permissible purpose. Please investigate and remove the following : XXXX XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> Enclosed, you will find a highlighted copy of my credit report for reference. I look forward to your written confirmation of the removal of these inquiries.
Product: Debt collection

XXXX   XXXX   Citizens Bank Account #  XXXX  Overdraft line of credit.
Primary account has been charged off.
It seems like late fees keep getting added on, but when I ask for statements I ca n't get them. The principal never gets paid off.
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I contacted the company, and they said that since I do n't have an account with them, I ca n't get a statement from them.
Product: Student loan

Prior to a divorce, I was unaware my spouse was not paying on the loan. After separation, the loan company called me and basically threatened me. I turned in the required documents that they sent me. I asked them to send the documents to my spouse since most of the loans are hers. The company told me directly they sid not care abour her. I was rhe primary signer and rhe note and she was secondary. After completing and sending the info in, I received notice about 30 days later that I had defaulted. It took me a year, but alone rehabilitated the loan. I was told that after rehabilitation, the penalties would be erased. That never happened. Last yea r Navient sent me information about loan payment that is impossible to pay. After dealing with them for over a month, I qualified  for the income driven plan. My now ex-wife of 5 years is non-compliant. She has refused any attempts yo dealing with the student loans because of the divorce settlement and the fact that I am the sole name on the front page of the note. I received a letter from Navient stating my loan was in 45 day forbearance due to me having to recertify my income. They told me my Loan is on hold because they are trying to get my ex to respond. After she did not respond, last year they certified me. This year they said that the certification last year was a courtesy. This year they will not honor it and they are now going after the ex. My complaint is I have not talked to the ex and now they asked me to get her or her attorney to contact them. They said if she does not respond, this will affect, me, my credit, and the status of my loan. I asked them to send me a copy o f the MPN. Theybsaud they do not have or never of had one. Thwybwant me to send them my copy of the MPN. I ca n't find this document. Yesterday  I sent copy of m y 2016 taxe s again. I sent them again after sending them in  XXXX . I am trying to pay the loans. Replaced them in forbearance without my authorization and have no record to prove to me the terms of the loan and who is on the loan.
Product: Mortgage

My  XX/XX/XXXX  mortgage payment was returned. Ditech has not modified my mortgage and l have paid my taxes each year and home owners insurance. they tried to pay my taxes and the money was returned by the county as an overpayment. several years ago, they started to t escrow my account and l explained to them that my mortgage was never modified but they issist l paid my taxes late which is false.,., we accually paid on the same due date. they have continued to bill me for escrow amounts while i have paid my mortgage and taxes on time. Now they want to stop accepting my mortgage payments and forclose on my home by not accepting and cashing and returning my checks. My taxes are paid in full for  XXXX  and my mortgage was current until they returned my May ck in the amount of {$1900.00}. They ruined my credit by posting escrow fees as late payments on my credit reports which makes me unable to refinance at this time. i am   XXXX   XXXX   XXXX    and work 2 hrs a day for a   XXXX   XXXX  . i pay my mortgage and taxes on time. and now they are trying to foreclose or get me to pay escrow amounts per month in addition to my monthly mortgage. my income varies per month and escrow fees are too much per month. i have explained this to them and they are now trying this to get me to pay up. i will have my tax dollars this l fall when they are due and will pay them on time as usuall. Not sure how to proceed since l just sent my  XXXX  Mortgage payment yesterday. .or if i should re submit my  XXXX  mortgage check that they returned to avoid forcloseure.In addition the dollar amounts they are trying to collect in escrow are incorrect ... .they are not including tax payments or insurance payments made over the tears. my account need to be audited.
Product: Vehicle loan or lease

My RV loan was transferred from one company to another. I realized I was behind in payments because I was unable to pay my loan on the old companies website and reach them by phone. The new company claimed they sent information that I never received.By the time I received the new companies information I was behind several months and on the phone with the new company I set up payment up to date of past due balances. The new company BMO, gave me confirmation of payment via email and stated they would send me information on auto pay by mail as they dont provide set up over the phone. No information was received by mail, email, or phone. Two months past when I realized that no information was being received by mail or email when I called BMO they said my loan had been written off and is now in recovery. They said the previous payment never went through. I told them I was never informed of that by email phone or mail. I asked if I could make all past due on payments that my account would go back to normal they said yes I proceeded to pay them only to find out that my account is to remain in a wrote off/ collections state which negatively effects my credit for 7 years. Ive asked to speak with management several times and customer service refuses to transfer me or let me speak with management. If my account was to be charged off and if a payment didnt go through I would expect and email phone call or letter notification giving me the opportunity to make payment before such a serious impact on me and my family.
Product: Checking or savings account

On XX/XX/XXXX I attempted a wire transfer from my Bank of America account to a XXXX savings account. I was called by the Bank of America XXXX department and asked if the transfer was legitimate. I said it was and the call ended. 

On XX/XX/XXXX I was informed that the transfer didn't go through and called Bank of America. I was informed that I would have to do the wire again. I was dissatisfied so I cancelled XXXX of my cards on the call. 

Now on XX/XX/XXXX my online checking account access has been XXXX. I can not access my checking account, I can not access my money. I specifically asked about and was confirmed on XX/XX/XXXX that both my checking account and debit card would remain active.
Product: Checking or savings account

I am writing to express my extreme frustration with the handling of my recent fraud investigation and the inadequate responses from your customer service team. 

On XX/XX/XXXX, I spoke with a representative named XXXX regarding fraudulent activity on my account. She reported two fraudulent charges to XXXX XXXX but failed to report fraudulent XXXX charges despite my repeated requests. This oversight forced me to report the charges online myself. 

On XX/XX/XXXX, I spoke to a supervisor named XXXX, who informed me that the investigation into the fraudulent XXXX charges had been decided in my favor and that the money would be returned. However, when I asked for a timeline, he stated that it was not his area of expertise, leaving me without clear guidance on when I would receive my funds. 

On XX/XX/XXXX, I spoke to a supervisor named XXXX, who assured me that she would file a complaint and that I would receive a response within 48 hours. Unfortunately, I have yet to hear back from anyone regarding this issue. 

I am requesting a review of the calls with these representatives by your quality assurance department, as their actions constitute legal violations. Furthermore, I am seeking compensation for the time I spent on the phone addressing these issues while your agents were failing to follow proper procedures.

Immediate action is necessary to resolve this matter and prevent similar incidents in the future. Your prompt attention and assistance in this matter would be greatly appreciated. 

Thank you for your help. 

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

On XX/XX/2018 CCS Credit Collection added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA CCS Credit Collection has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Checking or savings account

We closed our checking account on XXXX XX/XX/2023, but discovered that Fifth Third Bank continued to draw funds ( {$150.00} ) from our XXXX XXXX account when we received our XXXX XXXX statement a month later and saw the debit. I contacted Fifth Third Bank to find out why they were continuing to draw fund from our XXXX XXXX account to be deposited in a closed Fifth Third account. They denied that they had initiated the transfer or that any transfer had even taken place. I explained that it was in black and white on my bank statement. They accused XXXX XXXX of initiating the transfer. The mystery was solved a few days later when I found an automated message in my " spam '' folder from Fifth Third " informing '' me of the transfer. I contacted XXXX XXXX and was advised to place a stop on any future withdrawals from Fifth Third Bank since they were either unwilling or unable to assist. The stop was placed. 

Fifth Third Bank claims that they did NOT get the funds from XXXX XXXX. However, my XXXX XXXX statement shows a debit. I spoke to XXXX XXXX and they confirmed that the {$150.00} was transferred to Fifth Third Bank, and NOT returned to them. 

When I closed the Fifth Third account, I physically appeared at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX met with a BANKER, and CLOSED the account in XXXX. It was later discovered, unbeknownst to us, that Fifth Third Bank REOPENED the account, they later claimed, so that they could cancel the automatic transfers. The account remains OPEN as of XXXX XX/XX/2023. 

I received a statement from Fifth Third Bank on XXXX XX/XX/2023 ( dated XXXX XX/XX/2023 ) showing a NEGATIVE balance of {$150.00} ( the unauthorized transfer amount ) with a {$37.00} service change. 

I spent another 2 hours on the phone being transferred from one person to the next, and in the end was told to " research it with XXXX XXXX. '' I was also threatened that if I did not pay them, they would make a " report to the credit agency damaging my credit. '' I do not owe Fifth Third Bank any money. 

This is an UNAUTHORIZED account that Fifth Third Bank had no right to reopen after it was closed and they refuse to close the account today ( XXXX XX/XX/2023 ) and end the relationship. 

I have spent hours and hours on the phone being transferred back and forth to numerous people, been given bad information, and still this is not resolved. 

This is a continuation of a complaint that was previously closed.