23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently checked my credit reports and I have two collections from Paramount Recovery that I do not recognize. I have visited their web site and tried to call them at the numbers and I get a message that " all circuits are busy ''
Product: Checking or savings account

Formal Complaint Regarding Treatment and Handling of My Account at [ Truist ] I am writing to formally file a complaint regarding the treatment and handling of my account at the [ Truist ] branch. 


1. Account block with no clear explanation : My account was blocked due to what was indicated as a " red flag '' related to a check, but I was not provided with a clear reason or a quick solution.

2. Delayed response : Between XX/XX/XXXX and XXXX XXXX, 28 days passed without receiving any adequate response regarding my account and the check in question. 


3. Inappropriate solution : The solution suggested by the staff was to report my boss and call the police, which I consider an inappropriate and unnecessary response. Additionally, if the check was bad or considered fraud, as I was told, I would like to understand why the money was taken from my boss 's account instead of simply returning it. 


4. Partial release of funds : On XX/XX/XXXX, I received money in my account via XXXX, but I was not notified beforehand that the account had been blocked, so I couldnt send the money, and it was blocked along with the check funds. 


5. Problem with the translator and supervisor during the XX/XX/XXXX call : On XX/XX/XXXX, I called the bank and had to speak with the supervisor to try to resolve the issue, but it was in vain. During the call, my boss was also present, as I was told I needed to provide proof that the check was real. During the conversation, my boss tried to tell me something, but the supervisor refused to allow the translator to translate what my boss wanted to say. Additionally, I was asked if I had accepted the translator at the start of the call, which further complicated the situation. I was denied translation services to understand what my boss was trying to communicate, which made communication more difficult due to my limited English proficiency. 


6. Discriminatory treatment and visit to the bank : Finally, after the call did not resolve anything, on XX/XX/XXXX, I went in person to the branch located at XXXX XXXX XXXX XXXX XXXX, NC XXXX to try to solve the problem. During the visit, the person who assisted me made sarcastic comments while my boss explained what had happened. This person asked me in a disrespectful manner why I did not speak XXXX, as " in the United States, they speak XXXX, '' which made me feel humiliated. This made me want to leave the branch, but I decided to translate it to my boss, who asked me to wait a little longer, as the issue was being resolved. Additionally, the person asked many questions to my boss, and from what he told me, it seems that I was blamed for not going inside the bank to change the check directly, instead of using the ATM. 



The treatment I received throughout this process has been negative, and while I would like to find a satisfactory solution to this issue, I am considering filing a lawsuit for what happened. However, before proceeding with this option, I prefer to file this formal complaint to try to resolve the situation amicably and find a fair solution.
Product: Credit reporting or other personal consumer reports

After doing some research I have found that XXXX, XXXX, Equifax has illegally hosted information on my consumer report that has cause me much emotional distress. I am not liable for this debt with XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX XXXX XXXX., the have not provided me with the original contract upon request. XXXX XXXX XXXX XXXX is not authorized or licensed to collect debts in the state of FL. 

XXXX, Equifax, XXXX has also illegally hosted information on my consumer report t that has cause me much emotional distress. I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX they have not provided me with the original contract upon request. XXXX XXXX XXXX is not authorized or licensed to collect debts in the state of FL. 

The use of my consumer report and personal information was misused without my consent, proper verification, and my consumer rights voided on behalf of XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, a fraudulent account was opened with XXXX XXXX XXXX without my knowledge or consent. This unauthorized activity was first discovered by me in XX/XX/XXXX during a mortgage application. The account pertained to an auto lease valued at {$79000.00}, and it subsequently appeared on my credit report, negatively impacting my credit score and financial standing. 

Upon discovering the fraudulent activity, I immediately took proactive steps to address the issue : Filed an FTC Identity Theft Report : In XX/XX/XXXX, I filed an official report with the Federal Trade Commission ( FTC ) to document the identity theft, indicating that the information used to open the account was obtained and used without my authorization. 
Notified the Credit Bureaus : I alerted the major credit bureaus, including XXXX, XXXX, and Equifax, requesting the removal of the unauthorized inquiry and account from my credit reports to correct the inaccuracies stemming from this identity theft. 

These actions were taken to mitigate the damage caused by this incident and to prevent further misuse of my personal information. I am seeking the immediate removal of this fraudulent account from all records and assurance that measures are put in place to protect against future incidents of identity theft. 

The accounts and inquries that are the result of fraud are below ; Account : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to remove this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX through XX/XX/XXXX I had numerous transactions adding money from my chime added to my cash app.within a minute of it being added my funds would be gone and cash app I canceled my card which I still don't have so it's impossible I made any transactionskeeps saying it's because transactions I made within XX/XX/XXXX to XX/XX/XXXX that I did not have funds and they covered it and that this happened because of their glitch so all the money they took is legit.but no it's not I added over XXXX on my cash app each day in question I had the funds.when I call cash app they say a manager will email and all that is is a auto generated email saying the funds taken reflect the right amount and each time you call they tell you there aware of a new glitch.its been 3 glitches since this has happened that was my rent money my tithes my utilities everything
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiry and public record listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX/XXXX on XX/XX/2019 ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged CH-XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 

2. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against synchrony bank I had a {$5000.00}. XXXX credit limit with them with XXXX XXXX every time i was close to paying off they kept coming up that they are reducing my credit limit I have not been late on my payments now that i am done paying the card they reduce my credit to {$19.00} when I called in to complain I was told by some so called XXXX  in XXXX who stated it was a business decision for the bank to reduce my credit limit!!! Synchrony bank is a reap off!!! They have the worst customer service representatives in XXXX who do not know anything about the US banking systems they dont even know how to login a complaint instead of trying to help the customer they are arguing and putting their bank at risk for bad publicity that would affect their shareholders synchrony bank has one of the worst customer service. The credit started in XX/XX/2019 that should have ended for 36 months but I am finished paying for the credit I would not recommend consumers to deal with this bank they are a reap off
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I went to XXXX XXXX XXXX dealership to purchase 2 vehicles, one for personal and one for business. I was advised by the finance department representative that the business vehicle will not show on my personal report and that he didn't need my personal information for financing a business loan. 45 days later both vehicles were generated on my personal credit report. I have called the bank and the finance department neither of them was any help. 
The XXXX  XXXX XXXX should not be showing on my personal credit. This vehicle is for my business only. I was advised that the dealership representative used my information as a co-signer on the loan and that was incorrect. I have been trying to get this fixed for over 1 year and no one seems to know what they are doing.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX, I went into Chase to reestablish a relationship with them after my credit card was closed in XX/XX/XXXX. The banker told me Chase does not want to have a relationship with me with no explaination. I just want to have reestablish a relationship with this bank. Either an account or line of credit.
Product: Checking or savings account

As today, XX/XX/XXXX, my neobank Chime in which ive had for over XXXX years sent me an email this morning stating the following : XXXX XXXX, Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/XXXX. 

Once your Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( XXXX ) days of XX/XX/XXXX to the address we have on file for you. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX If this is not your current address, please notify us in writing at XXXX within 5 days of receiving this notification to make any necessary updates. 

If you have a Chime Savings Account, per the terms of your Deposit Account Agreement, your Savings Account will also be closed and any remaining balance will be aggregated with your Checking Account balance prior to issuing a refund check. 

If you have direct deposits, ACH Debits, or recurring debit card payments, please notify the originators immediately to avoid disruption with your future deposits or payments. Direct deposits, XXXX debits, and recurring debit card payments may be rejected after XX/XX/XXXX, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. 

Kind regards, The Chime Team This completely caught me by surprise. I have absolutely everything sourced from this bank. I pay all my bills, my direct deposit. Absolutely everything. The email message is extremely cryptic. No one from Chime will answer any questions and refuse to even talk to me. I have absolutely no idea what happened. I have lost access to all my money in that account, and i have no clue what to do. This is absolutely insane. I haven't done anything unethical or illegal. Im an office manager for a medical practice who works full time. Im amiss, completely perplexed. Whatever is going on, or whatever Chime thinks is going, is NOT. I deserve answers. I deserve to be heard. I do NOT deserve this type of erroneous banking decision to negatively affect my life when i have not done anything wrong. I want to my money and to understand what the XXXX transpired. This is wrong and they should not be able to get away with this. I need THE CFPB to step in and do something. Ive been googling what has happened to me, and its happening to alot of people. Its time the law got involved. Do i need to hire a lawyer. I have a great level of ambition for taking on social injustice, and i have no problem working with a lawyer to begin a class action lawsuit assuming one is warranted. I really think that the CFPB Needs to focus their attention on this banking institution. Something very unethical is going on at Chime, and it needs to be addressed immediately. Please i need your help. I honestly have no clue what is going on and i know i have done nothing to cause my account to close like this.
Product: Credit reporting or other personal consumer reports

Defrauded by Lexington Law from XXXX ] XXXX to XX/XX/year> never living up to the repair of my credit while sharing my ss # with other companies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account Number : XXXX Reference Number : XXXX Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the debt that you are claiming I owe. I request that you provide the following information for verification and validation of this debt : XXXX. **Purchase Agreement** : Please provide a copy of the original purchase agreement between you and the original creditor showing the transfer of the debt. 
XXXX. **Cancellation of Debt** : If the original creditor has canceled the debt, please provide documentation to confirm this. 
XXXX. **Chain of Title** : I request the full chain of title for the debt, including any assignments, sales, or transfers from the original creditor to you. 
XXXX. **Payment History** : Please provide details on when the last payment was received on this account, including the date and amount of the last payment. 
XXXX. **Judgment** : If there is any judgment against me regarding this account, please provide documentation to substantiate this claim. 
XXXX. **Statute of Limitations** : Kindly confirm whether the statute of limitations on this debt has expired. If it has, I request that you cease all collection activities immediately and update any credit reporting related to this account. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information and expect a prompt response. If you can not provide adequate documentation, I request that you cease collection activities and remove this account from my credit report. 
Please consider this letter a formal request for all communications regarding this matter to be in writing. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account CHASE CARD which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that CHASE CARD was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

The debt from portfolio recovery associates stating that it was an account with XXXX XXXX  XXXX. I only own one account with this bank and that is a credit card with XXXX XXXX XXXX. This company has never sent any bill on this account, I have never ever even dealt with this bank until i applied for the XXXX  XXXX credit card. I have never received any statements from this bank or this collection agency until it showed up on my credit report today. This company is causing a real hard ship for me and my family and I am trying to find a way to put a fraud alert on my credit report. I would like this collections removed from my credit as soon as possible. This account does not belong to me.
Product: Checking or savings account

About a year ago, I had multiple account overdraft fees put on my account even though I deposited money before the deadline. Ultimately, I couldn't pay for all of the overdraft fees, the day I tried to login to pay my overdraft fees, my account was closed and all of the overdrawn money was sent to collections. It has affected my credit report permanently, I recieve calls all of the time from collections for money I really shouldn't owe, and now that I'm running a business it's impossible to get financing. I was told there was a settlement regarding the illegal overdraft fees wells Fargo charged people, but wells Fargo never reached out to compensate me for that. How can I get what's owed from the settlement. On many occasions before the final closure of my account, I experienced instances of this predatory overdraft scheme that wells Fargo utilized to steal money from millions of low income families. They should be held accountable and we should be compensated for our losses. It's about time people get credit for all that these giants take from them during hard times. They are feeding on families in there most vulnerable times. Thank you for all that you do. I hope you guys are able to keep doing what your doing. Your service to folks like myself is greatly appreciated. We need more agencies like this to fight these greedy monsters and we need permanent laws to keep them from doing it again! Hopefully one day low income families won't have to work so hard just to be stolen from by bug business. This agency is a great start. To the individuals who fight hard for consumers, Thank you! 
XXXX XXXX
Product: Debt collection

DEAR XXXX XXXX & ALL REPORTING SERVICES According to the Fair Credit Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. otherwise, anyone paying your reporting services could fax, mail, or email in a Fraudulent account I demand to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF ARE UNABLE TO PROVIDE ME a copy of verifiable proof, you must remove the accounts listed below. 
I Demand the following accounts be verified or removed immediately. 
XXXX. XXXX XXXX XXXX IT HAS BEEN RE-AGED AND IM NOT AWARE OF THIS BALANCE SO PROOF OF CONTRACT WITH MY SIGNATURE AND ORIGINAL DATE OR REMOVE.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies my financial institution and XXXX failed to investigate my claims adequately.they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The cfpb findings indicate that XXXX has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Debt collection

Consumer Finance Protection Bureau Washington State Office RE : Formal Complaint Regarding Improper Garnishment and Statute of Limitations Violation Dear Sir/Madam, I am writing to formally lodge a complaint regarding a garnishment issued against me by Ray Klein Inc. ( also known as Professional Credit Service ) for an alleged debt amounting to {$5100.00}. The details surrounding this garnishment and the handling of the purported debt raise significant concerns that I hope your office will investigate and address. 

To provide a comprehensive account of the situation, on XX/XX/XXXX, my employer forwarded a writ of garnishment to me, which they received on XX/XX/XXXX. Upon receiving this writ, I contacted the court to obtain information on the original debt and the claimant, as such details were not included in the paperwork provided to me. 

I was informed by the court that the company, Ray Klein Inc., had filed the garnishment on XX/XX/XXXX. However, despite multiple attempts to seek clarification and detailed information about this debt, including several unanswered communications with Ray Klein Inc., I have been unable to determine the origin and validity of this debt. My requests for information from the court were similarly unproductive, leaving me in a position where I can not satisfactorily confirm the legitimacy of this garnishment. 

Moreover, I have significant concerns regarding the statute of limitations on this debt. It is my understanding that the statute of limitations for debt collection in Washington XXXX ranges from three to six years. The original debt, dated XX/XX/XXXX, should therefore be well beyond the statute limitations, yet Ray Klein Inc. is seeking a considerable sum in overdue interest ( {$2400.00} as of XX/XX/XXXX ), which further exacerbates the issue. 

Furthermore, I was not provided adequate time to respond to the garnishment. By the time I received the garnishment paperwork from my employer on XX/XX/XXXX, the timeframe required to officially contest or respond to the garnishment had elapsed. This lack of time has significantly prejudiced my ability to present my case or dispute the debt properly. 

I am in the process of filing a formal complaint with the court to address this matter, aiming to halt the garnishment until a thorough investigation can be conducted. 

Given the above concerns, I respectfully request that the Consumer Finance Protection Bureau of Washington State review this matter. It is imperative that the legitimacy of this debt and the practices of Ray Klein Inc. in this case are evaluated to ensure compliance with state laws and consumer protection standards. I would appreciate your assistance in obtaining clarity and rectifying any wrongful actions in this case. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and any assistance you can provide to resolve this situation. 

Sincerely, XXXX XXXX