23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

It all started yesterday when I receiving an email that stated : After careful review, we determined this account needed to be closed, effective XXXX/XXXX/2016. 
We apologize for any inconvenience this may cause. 
I immediately called and was stunned to find out that the email was genuine, and that my account truly was terminated without cause or notice. 

The initial reason I was given was that the account was closed for security reasons due to 6 months of inactivity. That seemed like an easy fix, but the agent was unable to resolve it and had to transfer to another department. There I was asked a lot of questions and was eventually told that they were not going to do anything about it and a letter was coming in the mail. I went on to speak to many different credit analysts, all who asked me a lot off questions and responded with the same answer ... sorry, but you 're not getting your credit line back. 
It was clear that Bank of America had an agenda to steal my {$35000.00} in working capital under false and unethical pretense, Its systematically closing customer accounts for XXXX reasons in order to commit theft. 

And despite my pleading that this would seriously derail my business, and that I may have to lay off employees due to inability to cover payroll, or lose business due to inability to provision for the upcoming holiday seasonality rush ... they could have cared less. 

What makes matters even worse, is that I 've been a customer of this bank for decades ... and have a perfect record with them. I 'm the type of loyal model customer any business wants to have - which each agent I spoke with acknowledged each time. So its absolutely terrifying that if they are steeling from me with a 'whatever ... you 're not getting it back ' attitude as to how this is going to impact my ability to stay in business ... then you have to ask yourself .... Just how many other, smaller guys are they doing this to right now as well ... who are not model account holders with decades of loyalty and spotless records?????
Product: Debt collection

I am a victim of identity theft and upon reviewing my credit file I have become aware of an account held by XXXX XXXX that is a direct result of identity theft. I have never had any dealings with Convergent or the company XXXX that they represent. An amount of {$1300.00} that is listed on my account does not belong to me it is fraud. I have contacted Convergent credit regarding the account IN THE AMOUNT OF {$1300.00}, 4 thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with convergent or XXXX whom they represent. This account is a result of identity theft.
Product: Debt collection

In the fall of last year I called XXXX XXXX XXXX to get information and pricing for a home phone because I was thinking about switching from XXXX. I only asked for pricing information but unbeknownst to me the Customer Service Rep had put service in my name that I did not authorize and never knew I had the service until I received a bill in the mail. I called XXXX XXXX XXXX and explained the situation and after about 3 weeks of talking to various different supervisors the last person I spoke with ensured me that they had credited my account to a zero balance and closed it. Know I am seeing that I still had a balance and it was sold to Receivables Performances I called them and explained that I do not owe this debt as I never authorized for it or used the services.
Product: Checking or savings account

I have an account with Simmons Bank. I came in to cash a check for a small amount from my father who has the same last name as me. I brought the check along with my driver 's license and Simmons debt card to the bank teller inside the bank.

The teller looked up my account information and spent about 3-4 minutes scroupoulousy looking it over for whatever reason. He finally asked me " whos signature is this because it doesnt match what have on file ''. I replied in litteral disbelief " My dad 's signature ''. He then said to me " no it's not his signature because the signature on this check does not match the signature I have here '' The teller then tried calling my dad and dialed the wrong person.

I then called my dad and told him what was going on. He was not happy about this and told me he would take care of it. He called his hometown branch location and told them what was going on. He called me back to let me know that it had all been taken care of and they should let me cash the check now.

After I got off the phone with my father the teller manager came over and asked what was going on. The normal teller I had been dealing with showed the signatures to her and all she sassily said was " Oh yeah those aren't even close! '' And walked off without even speaking to me. Nobody asked how important the check was or discussed it with me. Nobody cared! I was panicking because my rent was due at the end of the day. I literally left the bank crying because of the way I was treated. The Simmons teller for whatever reason wrote my simmons account number on the check before I left. 

Thankfully my XXXX XXXX was able to take the 2-day hold off of the check after I talked them about why my Simmons account number was written on the check and my awful experience at Simmons.

I feel as though the simmons teller saw that I had {$3.00} in this rarely used account and assumed my business was fraudulent. If I kept a higher balance he would not have cared. 


As of XXXX/XXXXXXXX19 I tried emailing Simmons customer service and never received a reply about my problem. I work during their normal business hours. Simmons actually took away my ability to withdraw money from the atm with my debt card. I was able to get ahold card holder customer service and the lady had me confirm my identity. After explaining my situation to her she tells me that their fraud department had set my atm limit to {$0.00}. She wouldn't tell me why. I finally got her to turn the limit up temporarily so I could most of my cash out of my account ( {$380.00} ). 

As of XX/XX/19 I tried using my Simmons debt card to try and use up the remaining {$16.00} in the account. My debt card will not work anywhere. They had my card completely shut off.
Product: Debt collection

just recently checked my credit report and found out that this collection agency reported me to the credit agency. I have spoken with this agency representative on the phone and they threaten me with legal action for the bills I do not own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX 's and my payments started sometime around XX/XX/2021. I paid approx {$58.00} every month and sometimes a month in advance of my next payment, yet they claim that I missed a payment by 30 days because I paid XX/XX/2021 in XX/XX/2021 and are showing that I was 30 days late in XX/XX/2021. 

I've attached a screenshot of my payment history and believe this is just a clerical error in their systems and they are probably not used to having a person pay 2x in a single month, but either way, I'd like the 30 days past due removed from my credit reports. 

XX/XX/2021 - showing 30 days late/past due on all credit reports. 

Payments made in XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification 1. XXXX XXXX Unverified Account XXXX. XXXX. Unverified Account Payments Not Late
Product: Mortgage

Submitted a complete package to BB & T asking for assistance with mortgage, in letter dated XXXX XXXX from BB & T and received on XXXX XXXX by mail, BB & T in effect asked us for updated financials and an additional piece of information - a letter of income contribution from wife of income shown in bank statements in package. 
Today, Friday XXXX XXXX we found out that on XXXX XXXX BB & T sent a motion to the court asking to schedule a foreclosure sale by looking at the court docket, we were not even noticed. We found out because someone came to the house telling us that they were made aware that we wanted to sell the house, we said no, who told you so. In following up on what this visitor said we looked at the court docket which showed that a motion was sent to the judge asking to schedule a sales date, we were not even noticed by BB & T. See a copy of the court docket showing a motion sent to the judge asking to schedule a sales date. 
This shows that there is no intent by BB & T for us to be fairly examined for alternatives to a foreclosure sale. Their sole intent is for us to be foreclosed on.
Product: Checking or savings account

On XX/XX/2023, I was locked out of my Marcus savings account. It said it was temporarily disabled and to call to have it available again. I called and a supervisor told me my account had been force-closed because of fraudulent activities. They would not specify what exactly after I asked. They said my account would go into review and then be closed with the money refunded back to me. The review would take 7-10 days they said. 

I called back on XX/XX/2023. I asked for the progress on how my account review was going. The rep said the account had not been reviewed and is still in queue. I asked for an update on when the account would be reviewed and they said 2.5 weeks!! I requested the balance on my account which he told me. I asked for it in writing and he said he could not email but he could snail mail it. It has almost been a month and I have not received anything in writing. I did call two weeks later after that call and asked for an update they said the account is still yet to be reviewed. I asked if there is anything that can be done to get my money back asap and they said wait 7-10 business days for the review. They are holding my money and are not willing to transfer it back into my possession. This is very poor business practice. At the very least they can transfer my money back into the original account from which it came, fraud or not. They are being very vague on this process and very unprofessional on the phone including hanging up after 1hr call or constantly transferring you/putting you on hold to get to a different department.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I took my cat to the vet after being hit by a car. The short of it, he needs an operation that costs XXXX $ to save his leg. I spent 5 years fixing my credit so I figure XXXX XXXX would increase my card to that. Nope ... Denied due to inaccurate reporting of an account by moneylion. My bank information did not update in their system which caused my payment to be THREE ( not 30 ) days late. I got back on a payment plan and paid as agreed. Upon receipt of a final payment from my mortgage refinance they FINALLY decide to report the account and report it late AND in collections and claim it's 90 days late. I was only late twice and both times, even combined, is less than 30 days.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX XXXX XXXXXXXX XXXX  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 report agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX I applied online for a title loan for {$2100.00} and finished up the transaction in person at a TitleMax location in XXXX, XXXX About a week later upon closer reading my Disclosure Statement and Security Agreement, I realized that TitleMax of Georgia , Inc. dba TitleMax violated two of my rights under 12 CFR 1016.7 - Form of opt-out notice to consumers ; opt-out methods. 

According to the agreement on page XXXX XXXXWaiver of Jury and Arbitration clause, under the Background and Scope Section, it reads : If you do not want this clause to apply to you, you have 60 days from the transaction date to opt-out. To opt out you must tell XXXX by a writing you send to the Notice Address. You must give your name address, transaction number, and date and state that you " opt out '' of this clause. You may not send your notice electronically. 

Those instructions and statements directly violate my right to opt out at any time and does not constitute a reasonable means by which to opt-out, by requiring that I can only opt out in writing. Those are direct violations as per 12 CFR 1016.7.
Product: Checking or savings account

I went to Chase Bank on XX/XX/2022 at or around XXXX. I entered the main lobby area and walked toward the teller station. I was confronted by a Chase employee who asked what I wanted. He purposely positioned himself to block me from the teller station. I told him that I would like to pay an overdraft fee. He told me that I could not. He did not even offer me an opportunity to wait to be helped. I then was confronted by a second Chase branch employee. He said his name is XXXX. He said that I could not be helped. He never offered me the opportunity to wait for help. He never offered anything remotely close to appropriate, reasonably expected basic customer service ; neither of them did. I believe they discriminated against me on the basis of race and prejudice. This was the second time I have been denied service at this bank. I went to the bank about XXXX months earlier and was also denied service. 

The bank branch where this occurred is located at XXXX XXXX XXXX, XXXX, IL.
Product: Debt collection

The purpose of my complaint is a result of events that occurred on XX/XX/scrub>XXXX XXXX XXXX An employee from the debt collection company XXXX Structured Settlement XXXX XXXX, NV ) made phone calls to at least three of my immediate family members leaving overtly threatening, and alarming voice messages attempting to get information about me.

The family members contacted were my aging parents, my young son, and my brother who answered the phone call. The name of the employee is XXXX XXXX, but not sure this is spelled correctly. 

The phone conversation with my brother was especially disturbing and unprofessional due to the abusive language, yelling, and demands from XXXX XXXX, as well as the deceptive and false tactics XXXX XXXX used to try and extract information about me. XXXX XXXX made intentionally false ( illegal ) claims that each person he contacted was listed as a reference on a loan application, and demanded that his questions be answered because they were somehow liable due to their reference status and/or something bad would happen to me. Not only is this completely false, his conduct is a blatant violation of the FDCPA, which governs legal collections practices, and each offense is finable by {$1000.00} ( 3 instances ). These claims are easily verifiable as the company indicates all calls are recorded, and the recorded messages left with my family members, I still have in my possession. As of the date of this complaint ( XXXX ), the company has not attempted to resolve this unquestionably illegal conduct, even though we were assured someone would be reaching out.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against Caine & Weiner Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Caine & Weiner for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** Caine & Weiner has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question. 

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account. 

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that Caine & Weiner ceases such practices immediately. 

4. **Failure to Provide Disclosures : ** Caine & Weiner has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

5. **Cease and Desist Order : ** I dispute all debts claimed by Caine & Weiner , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation. 

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between Caine & Weiner and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of Caine & Weiner. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX
Product: Checking or savings account

The following account has been disputed several times in reference to fraudulent activity, and also disbursement malfunction/ no receipt disbursed and error codes displayed. I am not responsible for the balance amounts or interest charges associated with this account. The fraud department was advised and also customer service. A debit card replacement was conducted and this matter continued at non bank locations that were near and miles from my residence. Credit reversals were conducted after disputes for fraudulent and or non disbursement of funds were reported. At this time Legal action is currently in process for this outrageous fraudulent balance and interest charges. I am not responsible for this balance of {$3000.00} for account # ending in XXXX.
Product: Mortgage

I am filing this complain against lender, Sun West Mortgage Company , Inc. with business office at  XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, CA XXXX failed to pay the second installment of my realty property tax which was due XX/XX/2018. My mortgage payment included payment for impound to pay for homeowner insurance and property tax. I came to know this event from the XXXX XXXX in XXXX, CA that sent property statement telling me that the second installment of property tax was delinquent subject to 10 % penalty. The property address if XXXX XXXX XXXX, XXXX, CA XXXX and the loan number is XXXX. I called the company and spoke to XXXX with no further action on company 's part to pay the property tax. I am very concerned that Sun West Mortgage Company is misusing the impound funds for their benefit. There was no reason for the Sun West Mortgage to fail to pay the property tax because they are in possession of the impound money that I pay monthly to them along with my mortgage payment. The lender acted negligently in failing to inform me of their decision not to pay the second installment of the property for XXXX. Since XX/XX/XXXX to this date, lender Sun West failed to pay this property tax
Product: Credit reporting or other personal consumer reports

You have achieve personal loans reporting on my credit report for a negative debit collection balance of XXXX. I have sent over six different certified letters requesting for validation of debt and to delete this account if debt validation, which includes original agreement form of identification, signed agreement, has not been given to me. None of these items have been given to me. I have called over 12 different times to all three bureaus and none of this has been provided for me.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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