23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received numerous calls from Transworld Systems Collection Agency regarding a debt I supposedly owe to XXXX XXXX XXXX. On XX/XX/year>, I spoke with a representative and informed the representative, I have not received any verification of debt letters from them regarding this debt. The representative stated they sent a letter via email on XX/XX/year>. I informed the representative that I haven't received any letters from them via email and to please send it to my physical address they have on record. They agreed to send it via XXXX. The calls stopped for a few days. I started receiving calls from a different phone and it turned out to be the same collection agency. On XX/XX/year>, I spoke to a different representative and informed them I spoke with someone from their agency on XX/XX/year> and requested a debt validation letter be sent to me. They said it was sent via email. I informed them again, I haven't received any letters from them via email and to please send the letter to my physical address. They agreed and that ended the conversation. I have not received any letters from the collection via email or US mail as of this complaint. The first representative stated they sent it via email on XX/XX/year>, however, the collection was reported to the credit agencies on XX/XX/year> prior to my request for verification of the debt.
Product: Consumer Loan

I had a vehicle reposted after setting up payment arrangements. There was no notice given of repossession. GM Financial also says they have no record of pending payments. They said according to Virginia Law no notice is needed but from what I found, a notice of 10 days is needed. 
The Virginia Consumer Protection Law and Title XXXX of the Code of Virginia outline the rights consumers have against lenders performing repossessions of their vehicles. The Virginia Code requires lenders to disclose their rights in their written loan contracts before they can legally repossess their vehicles. If they fail to disclose their rights to repossess, they can not proceed with repossession. 

Written Notice Effective XXXX XXXX, 2010, the Virginia Assembly passed legislation requiring lenders to send borrowers a default letter before attempting to repossess their vehicles. The lender must send a written notice by first-class mail at least 10 days before repossession. The notice must state the amount of principal and interest due and owing, and alert the borrower of default and provide him with notice of the lender 's ability to repossess the vehicle if the buyer does not pay the entire delinquency by a prescribed date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry details : XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Bank Inquiry details : XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry fromXX/XX/XXXX Auto  Financing XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX   Inquiry from XX/XX/XXXXXXXX Credit Card XXXX. 
XXXX XXXX XXXXnquiry from XX/XX/XXXX Credit Unions
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my car with XXXX XXXX XXXX XX/XX/XXXX. They are still reporting to the credit bureaus. The first time I called a lady told me my payout was paid on XX/XX/XXXX. So I waited a month. Now its another month later and they are still reporting. Tried to get in contact with someone but no one has fixed the problem.
Product: Debt collection

I received a letter in the mail about a debt i have no knowledge of. This also clearly out of the statue of limitation in my state. This alleged debt seems to have been through a credit card company and then to collection agencies claiming I owe a balance with no original contract, nothing with my signature. no media of account statement of payments or first date of delinquency, I don't know this company and never authorize my information to be sold or transferred. This is against the privacy act and this is also time barred.
Product: Debt collection

I have been going back and forth for a few years with this collection agency who has been unable to validate the cause for said charges being collected on behalf of XXXX. I have disputed the collection with the credit bureaus more than XXXX with them being deleted due to no verification. I have made it very clear that the charges are not a valid amount and based on the current FTC cramming case, there is obvious proof that the collection balance is invalid. I have been validated as a customer involved in excessive cramming charged being added to my bill on multiple XXXX accounts. At this point, I would like COI to figure this XXXX out with their client.
Product: Credit card

I applied for a Discover card balance transfer on the basis of the 0 % interest rate - in the application I had to detail the amount I was interested in transferring. 

I was denied the full amount, but was approved for a partial amount. I was not interested in doing a partial transfer, so when I received the card in the mail, I did not activate it. I did not realize that the balance transfer would automatically go through for a partial amount, as that was not the amount I requested, nor did I authorize a transfer for that amount. 

It did not occur to me that I needed to take any action because in my view, I was not approved. Some time later I went online and found my credit card balance much reduced. I traced it to Discover, and immediately contacted them to get the balance transfer reversed. I phoned several times about it, getting conflicting information each time. On the third call, with my bank on the line as a third party, they declined to reverse the transfer fees saying I agreed to the transfer and there was small print in the disclosure that I agreed to when I submitted the online application. 

I am now on the hook for several XXXX dollars for a balance transfer that in my view, I did not authorize and do not want. Consumers need to be aware that Discover card will lock you into unwanted transactions when you apply for a credit card. There is apparently no grace period to correct misunderstandings that happen during an online transaction and this is an underhanded way to profit off of the unsuspecting consumer.
Product: Debt collection

I wanted to choose both options above, which are : Sued me without properly notifying me of lawsuit and sued me where I did not live. Meaning, they sued me in a county where I have never lived at. I got the case file from the county they filed in. I was never served and it states it in the paper work. 


Let me tell you about this practice this company has with filing garnishments and lawsuits in different counties, so that the person that they are after does n't have a chance to respond, answer, or show up in court on a court date they were never notified about. Yes, that is me. The only reason I was notified about this garnishment is because my job notified me. Please keep in my that my job tried to stop the garnishment because they have been doing this for a few years now. They then threatened to go after my employer. They are acting on behalf of GMAC which is now XXXX XXXX. We spoke with them and they told us that they are acting in an illegal matter. We have consulted with an attorney. They acted illegally by first filing a lawsuit in XXXX XXXX that we have never lived in. We went down to XXXX County to get the entire case file. They have never filed in XXXX county that we lived in. No one has ever served us at all. This is n't about whether we owe a debt or not from 11 years ago. This is about their practices. We have also filed a complaint with the consumer agency in georgia. We have mailed a demand letter to XXXX County, demanding that they cancel this garnishment and our reasons why. We have faxed a copy of this letter to the Law firm/collections agency as well. We received notification that the fax succeeded. We also sent a letter to them as well. Lastly we have filed a complaint through the attorney generals office. We are also prepared to file a civil suit demanding that wages that have been garnished, be repaid, if it is n't stopped immediately. You can not go around illegally garnishing wages through illegal procedures. Our attorney says that we have a very good case and that they are in violation of the fdcpa as well on how they went about collecting this debt. If they want to contact me, they can. Not regarding collecting this debt though. This is regarding how they can avoid legal action period. My phone number is not for them to call me trying to collect this debt either.
Product: Credit reporting

XXXX XXXX XXXX, XXXX XXXX XXXX and Experian refuse to remove the accounts from my credit. Even though those were never late and we 're both included in a bankruptcy chapter XXXX that i filed in XXXX XXXX. It is well over 7 years since filing, and they refuse to remove it, I have disputed it several times before to no luck. Even on their own website, Experian explains that they are removed 7 yrs from the day of filing, they state that both accounts are to remain in my report until XXXX, even though the 7 years after filing have already passed, in fact it is about to be 8 yrs now. This is harassment, what is the point of filing and paying if they will do whatever they want in spite of the law?. Please right this wrong, they are supposed to remove this from my report yet refuse.
Product: Mortgage

XXXX refuses to remove PMI as Required in the Homeowner Buyers Protection Act of 1998 at the XXXX XXXX LTV requirement. I have asked multiple times and keep being told that I will need a re-appraisal or BPO, Which is not required once XXXX XXXX. It is supposed to be automatic at that point. 

No missed payments ever, and I put on auto pay. 

I am requesting not only the removal of the PMI, but Legal Shield is also suggesting I ask for a refund of the paid PMI as I am currently at XXXX XXXX and have been overpaying a significant amount at {$80.00} per month. 

They claim they are not required until the original LTV date is scheduled based on the original schedule ; XXXX XXXX has advised that is not the case. XXXX XXXX has advised that the original amortization is for the balance needed to reach the XXXX XXXX concerning the outstanding balance, not that if early payment is made, reducing the amount to below XXXX XXXX Their interpretation is that if the balance would be XXXX on the date first scheduled to XXXX XXXX they can not use the balance amount against the homeowner. Those clauses are clarifications of the definition what constitutes XXXX XXXX ( i ) Concerning a fixed rate mortgage, on the date on which the principal balance of the mortgage, based solely on the initial amortization schedule for that mortgage, and irrespective of the outstanding balance for that mortgage on that date, is first scheduled to reach XXXX XXXX of the original value of the property securing the loan ; and
Product: Credit reporting or other personal consumer reports

Regional Acceptance is posting my account as 30 days past due on XXXX, XXXX and XXXX when I made arrangements with them and the representative advised there will be no past due remarks if made on time my first payment is not even due until the XXXX so why are they reporting me late. This goes against my consumer rights please fix!
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 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: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES VIA CERTIFIED MAIL ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon I have student loans that are service by the department of education. XXXX. Originally they did a garnish on my account in where they collect close to {$1500.00} if not more then while they were garnish my payroll I started making monthly payments of {$20.00} which was decrease to $ 5 monthly and it has been withdrawn every single XXXX of the month without delays or being late. The department of education continues to show collections activities with derogatory information which is damaging my credit and preventive me to qualify for a home which I am in so much in need for my children. I had tried to speak with them without resolving this matter. I dont think is fair. Yes I do have a student loan debt but it's being paid according upon agreement I do not believe it's fair continue this negative reporting when its incorrect and unacceptable.
Product: Debt collection

These account has been charged off by the original creditor and I didn't signed anything with these debt collectors and totally unaware of who they are and never heard of them and why they have my personal information.
Product: Money transfer, virtual currency, or money service

I have been using the regulated Digital Currency Exchange Coinbase for 4 years. They support the deposit of various currencies and the purchase/trading of digital assets. I have had no issues until 6 days ago. They have 2 platforms which are interconnected, one is called " Coinbase '' ( their retail platform ) - the other is called " Coinbase pro '' - Assets and currencies can be seemlessly moved back and forth between these two platforms. Coinbase pro is their trading platform. 

On Friday ( XXXX ) it is a well known fact that their platform experienced a variety of technical issues. I experienced one when I withdrew {$17000.00} from " Coinbase pro '' to " Coinbase '' and an error message came up saying the transfer couldn't be completed. I have done this type of transfer hundreds of times in 4 years with no issue. I closed the window and discovered the USD was now missing from both my Coinbase Pro Trading account and from my Coinbase account. I look at the withdrawals page and it says " COMPLETED '' - but also says " cancel_reasong : posting transaction failed. The money seems to have pretty much vanished, and it's a somewhat significant sum. 

I contacted customer service ( and have emailed them every day ) and have only received generic, seemingly auto-generated responses saying they are aware of my case and will let me know when there's an update. I have since learned that 100s of others are experiencing issues, some dating back several weeks and months, and one guy had an issue that hadn't been solved in 2.5 years. 

I have grown very worried that this supposedly highly regulated firm isn't going to " get to '' my case anytime soon and I'll lose access to this very large sum of money. For 4 years there were literally no issues, but this issue is very disturbing and I would really like to get a resolution soon. 

My case number with them is XXXX I have a XXXX  XXXX and a family to support and my business has been very badly effected by the pandemic, so this money is very important to me. Thank you in advance for your help.
Product: Mortgage

I have tried to resolve this issue multiple times. I've called up to 10 times. Faxed, emailed, everything you name it. I'm trying to remove my PMI off my mortgage, and by doing so I need to get an appraisal ordered to put me over the threshold to remove PMI. There is no phone number to contact the PMI department. You have to email them and to get a response within 30 days. They denied my request stating that I didn't qualify, and that's correct but that's why I requested appraisal to be done to get an approval after the appraisal comes back. Kind of stuck here. Customer service can not help me and the PMI department has been unresponsive to any of my attempts. I was told by CMG financial that the PMI department would call me and they have not once. This has been going on since XX/XX/XXXX. 

CMG also advised me to file a complaint with you all, as I'm doing such now.

Any questions or any other information to me please let me know. 

Thanks
Product: Checking or savings account

On XX/XX/20 I made a {$430.00} purchase using my Chase debit card. Upon purchase, every customer signs the same agreement. I signed the purchase agreement, went to my scheduled appointment with the merchant and was advised by both the merchant and my then attorney that I was wasting my time and money. I did not receive the service that I paid for as a result of this conversation and ultimately left the merchants place of business. The merchant decided to offer to apply my funds to another service they offer, which I declined. I want my funds back. I am entitled to my funds back being that I paid specifically for something that I did not receive. The merchant acknowledges this. The bank refuses to credit my funds back and the merchant refuses to return my funds. As a result, Chase is complicit in the merchant essentially stealing funds. This needs to be resolved immediately, Id like for someone from the executive office to contact me if theyre willing to resolve the issue properly.
Product: Credit card or prepaid card

I bought a {$100.00} XXXX XXXX gift card at a XXXX on XX/XX/21. When I opened it, card numbers and pin were covered tampered with superglue. I was not able to use the card at XXXX XXXX. 
I went back to the store I bought the card and was told that they are third party they cant do anything at the store level and asked me to contact XXXX at XXXX for help. 
I then did and opened a case. After 3 weeks of waiting for the updated status of the case, a rep told me the card was redeemed but was not able to tell me where and when it was redeemed. She then told me to contact XXXX  for help. 
I went to a XXXX  store and a lady at customer service desk made couple phone calls and about 20 ' on the phone of investigating the issue, she finally got the card number and pin and the card was indeed redeemed by someone in TEXAS right after I bought the card and was activated at the XXXX. 
She said that they got card numbers and pin, put superglue on so buyers can't see it, they wait until cards are activated so they can redeem them. 
She also said there are multiple people who have come to her store with gift cards that tampered with superglue like I have. 
A XXXX rep also told me to contact the gift card provider/maker to solve the problem.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTIS. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have been contacted on my mobile phone four times by CMRE Financial Services. The first two times they left a message asking specifically for my child who is XXXX years old. I called the number that was left ( the contact number changes every time ) and was able to speak with a representative who told me that this was a financial matter regarding my child. When I informed the agent that my child was a minor, the representative then said that she needed to verify some information and asked for my child 's birthdate. I told the representative that I would not provide her with my child 's birthdate and she proceeded to ask for our home address. I did not provide that either. I requested that she forward any billing statement or printed materials regarding my child to the address that they have on file. The representative became belligerent and then disconnected me. This has happened twice. I do not know where this stems from and it has me concerned. Any assistance that you can provide would be greatly appreciated.
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 : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX & XXXX : Account Number : XXXX Account Name : XXXX, XXXX & XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX 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: Checking or savings account

I tried to transfer XXXX, XXXX & XXXX to my XXXX XXXX XXXX XXXX account from Wells Fargo account and Wells Fargo keeps completely lying to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud on account. The creditors disappeared last month and then came back. I spend over 3 hours everyday on phone with the scam artists at TransUnion. They need to remove the following. 


Inquiries : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX   Last 4 of social -XXXX
Product: Debt collection

I did not get any notification or correspondence of any type in regards to their attempts to collect debt, also the debt in question was paid prior to the company appearing on my credit report.