23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Everyday for the past month and a half the finance company for my car call me and my boss repeatedly at work threatening me and my boss. I am not allowed these kind of calls at work. they will call every 30 seconds until someone answers the phone. Our company handles hundreds of calls a day and they are interfering with company business by tieing up our phone lines. I have told them and so has my boss these calls are not allowed over and over. The calls are unprofessional and involve curse words. I have been told if this keeps up I will loose my job. This company uses multiple phone numbers and even some type of untraceable numbers to call.
Product: Debt collection

I do not have the exact date but know it was between XX/XX/2020 to XX/XX/2020. I recvd a call from FCS located on XXXX XXXX in XXXX XXXX, Ar. ( I know because I am their XXXX  XXXX  ) I refused to verify any of my info the rep asked for due to the fact, i know their telephone number and specifically because twice, the Rep said I am calling from XXXX, NOT FCS but XXXX  twice! This from the get go is extremely deceiving! To me it seemed the rep either covered the speaker or muted the call at the part of S of FCS on purpose!!!! Not one but twice! I am assuming that she knew me or of me XXXX   XXXX  and dis not want me to know it was FCS XXXX XXXX XXXX!!! This company records down to your XXXX XXXX numbers so I am certain they have this call recording!!! I do not want these folks contacting me!!! If they need something they can just sue me and I will deal directly with the court system! 

Thank you!
Product: Debt collection

In the midst of both cash and credit card fraud by online theft, and telephone threats, I paid through XXXX XXXX upwards of {$1300.00}. plus {$540.00}. through a XXXX charge. XXXX was able to reclaim and reverse the charge to my account housed there in. Yet Chase Marriott has and continues to refuse the remove the fraudulent charges dated XX/XX/XXXX which included the purchase of three XXXX   @ $ XXXXea, and then a shipment fee at a local postage store for {$64.00} for a total of {$2100.00}, still outstanding on my Chase Marriott Visa Account. I have ordered copies of the Statement dated XX/XX/XXXX, which was the first Statement received from that company. Now I have a new account number and a new card, but still these charges have not been removed from my debt. They have become buried in the pile of debt to be collected [ or written off when I die ]. I expect to live quite a bit longer, just as both of my parents who lived into their XXXX 's. So carrying around this bad debt which is not my own is not ethical. That is what I told Chase Marriott again today, when requesting a dispute and removal be done. I was told multiple dates of how long after a debt was charge the account holder had to dispute the debt. It was 118 days from the date the bill was sent, or 60 days, from the date of the charge. I was also told by the Supervisor at Chase Marriott Visa today, XX/XX/XXXX that they did not have access to this statement or these charges. I do and would be more than happy to share the facsimile copy I have kept on file after asking their office for a copy of the XX/XX/XXXX stmt. issued for payment on XX/XX/XXXX. The first statement on the account. There is something very suspicious going on here and I do not intend to pay the defrauded portion of the bill and interest accumulated on it over the last five [ 5 ] years. Please advise Chase Marriott Rewards aka Marriott Rewards, XXXX XXXX XXXX, XXXX, DE XXXX that I want the total amount of charges, plus all accumulated interest to date removed from my account immediately. I know this can be done, since this within this same period of time, The XXXX XXXX charges associated with their own fraudulent activity are being redistributed to myself and others in a large law suit. [ See United States vs. The XXXX XXXX XXXX, Remission Administrator, for those details ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed them that I have a charge off but I received a 1099 C and had to claim it in my taxes so this is reported inaccurately on my credit report and is a violation of 15 USC 1681 E and needs to be deleted,
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a checking account with XXXX XXXX in 2020 that was hacked and charged for purchases from XXXX that I didn't authorize. I called XXXX XXXX customer service as soon as i noticed the discrepancy and they closed my account, and opened a new account with a new account # for my account safety had been compromised. XXXX XXXX is currently reporting their action as a fraud alert/account abuse on Early Warning. They have 5 ACH transactions listed as evidence of said account abuse that are not accurate or true. I recognize the ACH transactions as deposits from Florida DEO/unemployment for wages they had owed and paid me. On XX/XX/2020 a ACH for {$110.00} reported by XXXX shows a payment stopped twice and I don't know exactly what the transaction is or why it is considered Account Abuse? There are 4 other transactions listed, 3 from XXXX and 1 from XXXX  XXXX XXXX XXXX XXXX, in which are deposits made from Florida DEO for unemployment wages owed to me. None of these transactions are fraudulent or attempted fraud, and Ive went to XXXX XXXX on 3 different occasions and spoke with the branch manager in XXXX, Florida. She called someone and I was told that it would be taken care of within 7-10 days. XXXX XXXX has stated a Principle Loss of {$610.00} and Fee Reversal {$140.00}, of which neither are correct or accurate. One ACH on XX/XX/2020 {$250.00} is after the account was closed on XX/XX/2020 which means they may owe me money and a huge explanation because none of this info makes any sense. Ive requested that Early Warnings challenge or dispute this info reported by XXXX XXXX and to date this incorrect or false information is still on my report. Ive received a updated early warnings report, and this info is showing up. I take pride in my financial credit standing, and I hadn't had a checking account in ten years prior to this XXXX XXXX account. So they are the only institution on my report.
Product: Vehicle loan or lease

World Omni Financial Corp has reported on my consumer report that they have charged off the amount I allegedly owe them. A charge off means " a lender or creditor has written the account off as a loss, and the account is closed to future charges ''. Which also means the company has wrote it off on their taxes as a loss which means they technically got their money back on a tax break. World Omni Financial Corp also sold part of the debt before placing it on my consumer report as a charge off. Every month they add {$41.00} to the balance on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 6-months ago ( according to staff ), Experian had a software issue that caused data loss on two of my credit cards, and all my Boost self-reported accounts. As a result, my credit rating dropped XXXX overnight! 

I contacted Experian several times to no avail. I also contacted the issuing bank, and they confirmed to continue transferring data to Experian. I also disconnected, and re-linked the two missing credit cards to Experian several times to refresh the connection.

Experian confirmed to have both missing credit cards linked, but no data is being collected to show my on my credit history, and all my self reported accounts are still missing on the Booster history. 

Despite my many calls and complaints, Experian has neglected my requests, and has not made real effort to remedy the situation. It has cost me a lot of time, effort and loss of advancement opportunities due to my inaccurate low credit score. 

I last spoke with Experian agents this morning ( XX/XX/22 @ XXXX XXXX ) and was given the following case numbers XXXX ( XXXX XXXX and XXXX ( XXXX XXXX, but no real solutions to my problem. Please help, this has been going on for too long! 

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

I wrote to Equifax, XXXX, and XXXX on XX/XX/year> stating that they are inaccurately reporting my information, out of compliance with the Privacy Act, and USC Codes. 

According to the Privacy Act, no agency shall disclose any record- this means financial transitions - by any means of communication to any person or agency except pursuant to a written request or by prior written consent of the individual to whom the record pertains. 

I have not provided any written consent. In fact, I revoke any of my written, verbal, and implied consent with other financial institutions and this is my formal notice that Im opting out. 

XXXX XXXX XXXXXXXX has a privacy statement that they do not share with non-affiliated companies, yet this information has been shared out of compliance. XXXX XXXX also has a privacy statement that they do not share with non-affiliated companies, and this was shared out of compliance. 

I have attached the original letters to this case.
Product: Money transfer, virtual currency, or money service

I was offered an opportunity to transfer deposits for a church in exchange for getting paid. I was emailed checks on XXXX Thursday XX/XX/XXXX and told to transfer the money the next day at XXXX. I got nervous since I was pretty sure it was a scam and didnt know what to do so I did as they said, and later the next day XX/XX/XXXX, the checks were processed and they were not connected to a bank account. The money had showed up as credit in the morning but werent actually worth anything. I transferred the money I thought I had through Zelle and XXXX, and lost {$5000.00}. 

These are the emails of the two people who scammed me : XXXX XXXX Here are the Zelle accounts I had to give money to : XXXX account ending in XXXX XXXX XXXX account ending in XXXX XXXX
Product: Debt collection

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquiry and or Collection Accountwhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

I graduated from XXXX school with XXXX in student loan debt XX/XX/XXXX. To this date I owe XXXX. The loan is in my fathers name, with myself as a signee. At two different times I had to do a forbearance which had dug my student loan debt into a hole that will end up paying back almost double the initial loan by the time it is repaid. My father who is primary on the loan had to talk to a representative, at the time ( XXXX XXXX ), he was given the only choice which was a forbearance. Some time later I was back in the same situation not making enough to cover my loans and living expenses and had to take another forbearance. Talking with my father this was our only option. Recently I have heard of other people in similar situations. I found out there were other options like income based repayments. This was never an option years ago to our knowledge and feel like we were tricked into an option that would be in the favor of then XXXX XXXX and now Navient that would never allow me to get out out of this hole of debt. Almost a XXXX education that I believe was worth only a quarter of that. Ive looked at my statements on my account and the percent of interest paid vs principal makes an obvious statement that these loans were never meant to be paid back but to live on interest and keep the borrowers in debt for as long as possible. My payments are soon to go to over {$500.00} per month and at that rate will not be paid off until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

CCS COLLECTIONS You supposed to add notice within XXXX  days not XXXX day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX, XXXX  and Equifax credit bureau to dispute a incorrect address thats on my credit file and they told me it is undisputable.
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX, I have sent more than 20 emails to PayPal, but no one has ever given me a reasonable explanation, which is why I am appealing to CFPB for help. 
On XX/XX/XXXX, I purchased a product with a value of USD XXXX through PayPal ( I paid with MasterCard dual-currency credit card ), which was converted to CNY XXXX, the currency conversion rate is equivalent to XXXX. ( Please see Annex 1 ) But the currency conversion rate of the day I contacted my issuer was XXXX, so it should be XXXX CNY. So PayPal charged an additional me CNY XXXX, which is equivalent to USD XXXX. 
In the process of communication with PayPal customer service personnel, customer service representative XXXX XXXX informed that the reason was that PayPal would charge an additional 2.5 % currency conversion fee, which would be XXXX % = $ XXXXThis obviously is not true because it is inconsistent with the actual amount collected which was USD XXXX. ( Please see Annex 2. ) Another customer service rep, XXXX, said in the payment interface there would be an option to choose PayPal currency conversion rate or issuer currency conversion rate ( Please see Annex 3. ) But this option wasnt available ( Please see Annex 4. ) A PayPal representation, XXXX, explained that if you didn't manually change the exchange rate selection, PayPal would automatically choose its own exchange rate ( Currency conversion rate of XXXX ) .Because the exchange rate selection option wasnt available PayPal forces the customer to choose PayPal exchange rate instead of the customer 's own manual exchange rate ( Currency conversion rate  of XXXX ) choice. ( Please see Annex 5. ) Here 's more about the bill : XXXX Your PayPal accounts email XXXX XXXX Transaction ID : XXXX * XXXX * payment amount : XXXX CNY = {$1800.00} USD * email address the payment was sent to : XXXX XXXX
Product: Credit card or prepaid card

I requested a card be sent to my new address because of moving and was told I was issued a card I did this in XXXX but after not receiving card I inquired and it was never even sent So I was told they were going to send this time and expected a couple weeks later I called again a third time now and they said Florida 's unemployment office spelled address wrong Here we are I FINALLY received card XX/XX/XXXX I promptly set up account and was only informed that all my deposits were returned the wordage " Returned Unpinned Deposit '' Florida unemployment tells me that the funds were delivered back to card yet two weeks later still no funds Really this whole situation makes one rethink their existence
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX : XXXX XXXX : XXXX NELNET : XXXX : XX/XX/XXXX : XXXX, XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These companies above reported late payments to my credit report. Review below " IN ACCORDIANCE WITH THE FAIR CREDIT REPORT ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2. IT ALSO STATES A C0NSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 USCS 1666B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD UNDER AN OPENEND CONSUMER CREDIT PLAN AS A LATE PAYMENT FOR ANY PURPOSE ''
Product: Debt collection

I keep getting automated calls that they will contact the Attorney Generals office and file a warrant on me. They have contacted family out of state saying I have a legal matter to take care. When talking to a person on the phone I requested verification of debt and I stated I was not giving my credit card information to a stranger over the phone, she then told me she could not help me and legal action would be taken. I hung up the phone and she called back seven more times in a row after I requested to not be contacted again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Fraud Victim and someone stole my Identity many years ago. I never signed any documents nor have I spoke to anybody from Loan Depot and nor did I give them permission to touch my credit report. I am demanding Justice be done and they clear my name from any wrong doings of requesting a LOAN. I have not given XXXX XXXX OR XXXX Permission verbally or electronically or written permission to touch my credit or request a loan. I demand they contact all three credit agencies and remove this credit pull from my account. I also want a letter of deletion sent to me for proof of records If this is not done within the 30 day time frame I will contact a lawyer for damages for pulling my credit and damaging my credit. 

Thank You, XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill is legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Checking or savings account

I am writing to dispute the following activities that Chase has done to me and my husband joint checking account that was supposed to be closed around XX/XX/2022. 
On XXXX or XXXX XXXX, my husband called Chase to ask to close our joint checking account IMMEDIATELY since it was flagged for fraud. Before it was closed, the balance was negative- {$1800.00} due to a fake check bounced. ( We have filed this claim as well and the police has filed a report. ) On XX/XX/2022, I went to check the account online but it was invisible or disappeared that made us unable to check any activities and transactions on the account. 
On XX/XX/2022, our property manager found out that she accidentally sent XXXX payment of {$2500.00} to the supposed-to-be closed account on XX/XX/2022 and it looked it had been accepted. I called Chase the same day, XX/XX/2022, immediately and the customer service team told the payment has been accepted and founded on XX/XX/2022. Then, Chase offset the negative balance and fees, total of {$1900.00}, issued a check for the remaining {$650.00} and mailed it to our mailing address. XXXX did all these activities without our authorizations while we were not even aware of any. We have moved to another states by the time the account was closed. Expecting no activities on the account, there was no urgent reason to report Chase to change our mailing address. Now, we still not have received the check as of XX/XX/2022. Per the Chase customer service representative, the account was closed on XX/XX/2022. While the whole things happening from XX/XX/2022 to XX/XX/2022, we did not have any way to access or check the transactions, nor even thought the account was still open. 
On XX/XX/2022, I called Chase customer service and fraud department to request for an unauthorized ACH form to reverse the ACH payment. After over 3 hour and 30 minute on the phone, XXXX from the fraud department : XXXX gave me a branch number to call to ask for the form. I also asked him to make a note of what I explained all as above while I was on the phone with him because every time when I was transferred to a different department or talked a different representative they had me explain the story from the beginning to the end. 
On XX/XX/2022, I called Chase in XXXX XXXX CA branch : XXXX. The manager explained that the unauthorized ACH form is only available for a business account therefore I should call to the fraud department again. That would be just wasting time to start over talking about what happened to the fraud department again. 
I dispute all Chase has done : - Remaining our account open until XX/XX/2022 that was supposed to be closed IMMEDIATELY after my husbands call on XXXX or XX/XX/2022,- And accepting the ACH payment without our authorization ( we have called Chase and reported the account was flagged for fraud! ) - Using that ACH payment of {$2500.00} to offset the negative balance of our supposed-to-be closed personal checking account without our authorization. 
- Drawing a check of {$650.00} as a remaining of the offset and mailing it without our authorization.
Product: Debt collection

Security Credit Services , LLC contacted me by phone on XX/XX/2018 regarding and outstanding lease balance in the amount of {$2200.00}. My wife and I have NEVER leased anything in our lives. 
They gave an email address that is on the bill that is not ours. 
They would not give any information on when the account was opened or for what services.