23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from Attorney, Protas, Spivok, and Collins, LLC. Phone : XXXX XXXX regarding an unpaid balance ( {$2000.00} ) from an apartment ( XXXX XXXX ) I lived in from XX/XX/XXXX to XX/XX/XXXX. I contacted the apartment management and expressed to them that the information that they submitted to collections was incorrect and requested to receive correspondence on what they had on file for me. I was initially told ( by XXXX XXXX, Regional Director ) that their records indicated that I moved out on XX/XX/XXXX and that they did not receive rent for XX/XX/XXXX and XX/XX/XXXX of that year. A XXXX email, from XXXX, confirmed that I submitted notice to vacate the apartment on XX/XX/XXXX and that I vacated the apartment on XX/XX/XXXX and relinquished the keys to XXXX on that same day. She went on to say that although they kept my security deposit ( for the XXXX days in XX/XX/XXXX that I was still in the unit ) the lease requires a tenant to move out on the XXXX and that I would be responsible for paying for XX/XX/XXXX, plus late, legal and WRIT fees. After requesting that she provide me with a copy of the lease and highlight where it states specifically that a tenant can not move out until the end of the month, XXXX did not respond to me but I received an email from a representative from XXXX XXXX, Client Liaison, XXXX XXXX XXXX, stating that her client could no longer be communication with me because this case is now a legal issue. I am being harassed by Attorney, Protas, Spivok, and Collins, LLC stating with threats of my wages being garnished because of this unpaid balance up to being placed in jail. The information that was submitted to the attorney is incorrect and I do not owe XXXX XXXX ( Equity Management ) anything.
Product: Credit card or prepaid card

I have a complaint with SYCB/Sam 's CLub Dual CC. On XX/XX/XXXX a payment was made made online for {$2000.00}. ( SYCB/Sam 's Club said they didn't receive it. A dispute was opened. Our bank sent a confirmation that the {$2000.00} was paid. It was 3 months until they found the payment. ( charging me interest and late fees on the amount while it was in dispute ) On XX/XX/XXXX, I spoke with a representative and she confirmed they had the payment. I asked her what the remaining balance was. She stated {$390.00}. I paid her online for that amount to pay it off. 
I received an online bill via email on XX/XX/XXXX stating that I have a balance of {$2000.00}. No explanation- just a bill. I called on XX/XX/XXXX to question why I was receiving this {$2000.00} bill. I was told that I was sent an email on XX/XX/XXXX explaining why the {$2000.00} was back on the account. ( after their review ) I did not receive the email and asked the representative to tell me why. She said she didn't know and the details in the email would tell me. She also told me that the dispute had been closed and I would have to open a new one.

I asked her to resend the email which has been 4 hours and I don't have it. The money has come out of our account, plus they have added late fees and interest on the amount. They have this payment and it's very disturbing to deal with this company. My credit score is excellent and my bills are always paid on time. I do not owe this {$2.00} again.
Product: Vehicle loan or lease

Hello, I am struggling to return/buy out my lease with the amount listed on my contract. Ford will not allow me to trade in the car, my only option is to get another Ford or buy it out, however to purchase the lease it would cost {$3000.00} plus in taxes and fees extra which completely wipes out my equity. When trading in a car you don't have to pay tax. You can not physically trade in your lease for the buyout amount stated on the contract or any other vehicle dealership. You must purchase it from the original dealer and pay taxes and dealer fees, and registration giving a car with equity back to them. They are doing this because the chip shortage brought up the price of used cars. They want you to turn your car in so they can own it at the residual price. These are currently my only options. All of these situations work out in Ford 's favor so I am surprised they have gotten away with such anti consumer practices for so long since most manufacturers allow you to trade in leases anywhere. I spoke to numerous Ford XXXX representatives and they stated that if we traded the car in prior to 120 days we could trade it in or buy it for the amount on our contract. However we are past the 120 days and now we have zero options. No where in our contract does it state anything referring to a 120 day stipulation. This is all a result of Ford changing there process to make profits out of the chip shortage. Leaving the consumer with no other options. I feel trapped as a consumer. We now have to pay additional fees just to buy a car we do not want. This in the end is going to cost us more money. During a recession this is completely a deceitful practice. It is predatory lending to the consumers. The Ford customer service rep acknowledged this predatory behavior but informed us that there was nothing they could do about it.
Product: Consumer Loan

I obtained a loan in XXXX for an automobile through Westlake Financial Services for over {$16000.00}. I have been very ill for the last few years and feel behind on my payment. Unltimately, the car was repossessed in XXXX then sold by Westlake Financial Services. I received a copy of my credit report with fraudulent information. Westlake Financial Services has indicated this account is past due by {$1300.00}, currently delinquent by 30 days with a payment amount of {$430.00} and a balance of {$16000.00} none of which are true. I received a letter from Westlake Financial Services indicating the balance is {$13000.00}. I am XXXX now and I believe this company has a practice of reporting fraudulent information against consumers. I also do not believe this company is keeping accurate records in an effort to fleece consumers such as myself prying on us as a community.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) is an online service that provides free credit reports, tax preparation services, and offers for credit cards and mortgage financing. Among their partners are the credit bureaus TransUnion and XXXX. My credit reports are frozen at TransUnion and XXXX, as well as at XXXX. Yet XXXX XXXX has sent me messages about my credit card payments and usage, mortgage balance, and other information that should be soundly locked inside the credit bureaus.

XXXX XXXX is not authorized by me to access my credit information. TransUnion and XXXX are not authorized by me to share my credit information. So either XXXX XXXX is obtaining the information illegally or TransUnion and XXXX are violating the credit freeze and my privacy by providing my credit activity to XXXX XXXX.

If this is being done to me, it is almost certainly being done to others, exposing my data to a third party and, potentially, to bad actors who might hack into their servers. This is a violation of consumer protections, undermines the purpose of credit freezes, and deserves immediate attention.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute the presence of a collection account on my credit report that has already been paid and is currently at a XXXX balance. Despite the account being settled, it remains on my credit report, negatively impacting my credit score and financial standing.

This collection account, which was fully paid on [ date of payment ], should not continue to appear on my credit report. As a consumer, I am entitled to an accurate and fair credit report under the Fair Credit Reporting Act ( FCRA ). The continued presence of this settled debt is both inaccurate and unfair. request the immediate removal of this collection account from my credit report. 

I also request a method of validation for the continued reporting of this collection account. This includes : The names and contact information of individuals responsible for verifying the account 's status. 
Copies of any emails or other correspondence regarding this matter. 
Certified mail receipts or other forms of documented communication confirming the debt 's current status. 
According to the FCRA, specifically under 15 USC 1681s-2 ( b ), furnishers of information are required to promptly update and correct information with the credit reporting agencies. The failure to update the status of this paid debt violates this provision.

Please ensure that this collection account is promptly removed from my credit report. I expect confirmation of the removal and a corrected credit report reflecting the accurate status of this account. 

Thank you for your prompt attention to this matter. I look forward to your resolution and clarification. 

Sincerely, XXXX XXXX
Product: Prepaid card

I ordered a new cash app card as my current one expires XXXX XXXX. I paid {$5.00} for a designed card. The card was mailed, however, I never received it. Cash App refuses to replace it without paying another fee. Claiming designer cards are non-refundable. This is an inconvenient loop hole as I am required to pay again in order for them to regenerate a new card. This is unfair for two reasons ; 1 - my current card expires and I need a new one ; 2 - I paid for a service that I never received. They keep telling me its against policy and other baseless language. Why should I have to pay them a total of {$10.00}, in order to receive a card? Especially when my current is expiring. Either way, they are requiring payment before they generate a new card.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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: Payday loan, title loan, or personal loan

This company sends a statement with billing info included once a month on the XXXX via email. That is their only correspondence with the consumer. My bill is due the XXXX of every month, and I did not pay until the XXXX because I was not notified of my payment being late. When I spoke to a customer representative she told me that they only communicate via the statement sent every month, but they do not communicate via phone or email after the due date has passed. The only time they communicate in those methods is when you are approaching the 30 days past due time frame to be reported to a credit bureau. This lapse in communication does not keep consumers reminded of their payments. Not to mention the statement she is referring to that is sent monthly on the XXXX is sent after the bill is paid the XXXX. So how can someone be notified if a payment is late by statement via email if the statement is sent out after the due date of the bill?
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than XXXX days since I originally wrote them.
Product: Credit reporting or other personal consumer reports

XXXX loan is reporting to my XXXX, Experian, and XXXX credit reports late payments and foreclosure.
Product: Credit reporting or other personal consumer reports

Upon looking at my consumer report, I've come to the realization that my consumer rights have been breached. Referring to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ), it's explicitly stated that " the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. '' Late payments constitute transactions, and utilization reflects the experience derived from credit usage. However, XXXX, Experian, XXXX is indicating late payments on multiple accounts listed below XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXT # XXXX XXXXXXXX XXXX XXXX XXXX XXXX and/or utilization, which are experiences created by credit usage. According to 15 USC 1681b ( a ) ( 2 ), " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. '' I never provided XXXX, Experian, XXXX with written instructions to include anything in my consumer report, let alone these late payments/utilization. Furthermore, as per 15 USC 1681 602 Congressional findings and statement of purpose, it's stated that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' It also emphasizes that the banking system relies on fair and accurate credit reporting. Inaccurate credit reports directly impede the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential for the continued functioning of the banking system. The reporting of these late payments is inaccurate, and my privacy has been violated due to XXXX 's, Experian 's, XXXX 's infringement upon my consumer rights by allowing these late payments/utilization to be reported on my consumer report.
Product: Mortgage

My complaint is regarding the subordination process of TD Bank. 
They currently hold my home equity mortgage and they are in 2nd lien position to my mortgage. I am trying to refinancing my first mortgage but can not do so until the TD Bank loan # XXXX gets subordinated. This process is in the 8th week and my rate lock has expired. I don't know if it is going to take days, weeks or months to get the subordination. I call every day for the past 2 weeks ( i usually have to wait at least an hour ) to get through and they can't tell me how long. In addition, they give you an email address to write to but ignore you as well. I've sent at least 6-8 emails which goes nowhere. 

TD Bank is horrible to work with with regards to subordination. They have cost me a couple of thousands of dollars already and it i lose my rate, will lose tens of thousands of dollars ( I am not exaggerating ) I need help to get it done but they should be consequences on there poor services and possibly what it has cost me financially
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instruction.

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 record of convictions of crime which antedates the report by more than seven years. 

Accounts : XXXX XXXX  XXXX XXXX XXXXXXXX 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 Unauthorized inquiries : XXXX - XXXXXXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry XX/XX/XXXX
Product: Credit card or prepaid card

I applied for Arvest credit card on XXXX the XXXX of 2019 and I was told that my application was pending and I was approved on the XXXX of XXXX 2019 ... and I check my XXXX   credit report.. and I noticed there are two inquires and one of them is valid which is XX/XX/XXXX and I Called Arvest bank and the customer service rep told me that I have to called XXXX and open a dispute and I try this but XXXX told me I have to dispute it with Arvest credit card ( securitybankcard ) to have this inquire removed ... and until this day the inquire is still remain on my credit report
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a cold call from a travel agency, The XXXX XXXX, a XXXX company, about the purchase of an all-inclusive pre-paid vacation package on my cell phone. The caller indicated that they received my information from AMEX, and they were a preferred AMEX merchant.

I thought it was a little suspicious and called AMEX customer service to discuss my worries about purchasing the vacation. The AMEX representative told me that if the vacation turned out to be a fraud or scam, then I would be protected by AMEX.

I tried to schedule my vacation with the travel agency in XX/XX/XXXX per the terms of the contract. It turned out that it was not a vacation, but an expensive trip to be in a high pressure time share sales pitch. The hotels that they offered were not the same as the ones they sold to us in XX/XX/XXXX. It became very apparent that it was a bait and switch. 

I immediately contacted AMEX with the information and sent in about 30 pages of documentation. I also sent a detailed cover letter that discussed the timeline of all actions.

AMEX opened the dispute then closed it. We refiled several times and they kept closing it down. 

After researching online, we discovered that The XXXX XXXX had been defrauding many other AMEX customers. The XXXX XXXX uses the same modis operondi on all their victims. Some have received their refunds from AMEX, others haven't. 

I want AMEX to do what they promised on on XX/XX/XXXX and give us consumer protection because we were defrauded by one of their preferred merchant accounts.
Product: Credit card or prepaid card

Complaint regarding USAA FSB unfair acts and practices. The USAA did not conduct a reasonable investigation of my credit card dispute v. XXXX regarding a charge of {$110.00}. 
I was notified that I did not provide the requested supporting documentation. 
No specifics were given. I disagree. I attempted to upload and uploaded the supporting documentation through the USAA website and App. Based on that documentation the USAA should have concluded that XXXX unfairly cancelled my tickets without my consent. I contacted USAAs Director and CEO XXXX XXXX but have not received a response. 
The USAA continues to engage in unfair acts and practices in my case. They should provide full, clear and unambiguous description of their investigative efforts. In early XXXX the USAA was ordered by CFPB to pay {$15.00} XXXX in fines and restitution for unfair acts and practices.The CFPB determined that USAA FSB failed to stop preauthorized electronic fund transfers and denied customers a reasonable error resolution investigation. 
The USAA is poorly run. The quality of its services has precipitously deteriorated. 
My dispute regarding XXXX should have been resolved in my favor based on the documentation I provided. 
I request the Board of Directors investigation of unfair acts and practices in this case. No response was received. 
It is also no longer possible to communicate with USAA via messaging regarding banking matters. The messages are limited to Investments, Insurance and comments about its website. The USAA customer care is in severe decline. It is no longer possible to file grievances and communicate with the Board Members via  messages. 
These practices are unacceptable. 
I no longer have my auto insurance with USAA because the USAA rates are unreasonably outrageously high. 
I am a XXXX  member of the XXXX XXXX XXXX. 
I should receive the best treatment possible from the USAA. 
Thank you for your anticipated help. 
Very respectfully, XXXX XXXX, XXXX, XXXX ( XXXX. 
XX/XX/XXXX.
Product: Student loan

I received numerous phone calls from national enterprise systems on a false phone number. All phone calls are on XX/XX/2017 time stamped at XXXX am, XXXX,XXXX am and XXXX am with a number of XXXX. Then they called my place of employment on XX/XX/2017 when I am not supposed to be taking any personal phone calls. I also informed them on the last call on XX/XX/2017 that they were in violation on federal law and then hung up on the collector. This behavior is in violation of the harassment section of the fair debt collection act section 866
Product: Credit card or prepaid card

On XX/XX/2021 my card was charged {$8000.00}. The merchandise was not as described and I demanded a refund from the merchant of {$8000.00}. Instead the merchant credited {$7800.00} without explanation. No merchandise was received or returned by cardholder. Cardholder received photos of merchandise and it was not as described or agreed. Visa chargeback terms do not allow a merchant to assert a return policy when merchandise is not as described. 

The XX/XX/2021 charge was on my billing statement dated XX/XX/2021. I had 60 days to dispute the charge from the date my statement was received. On XX/XX/2021 I disputed the charge of XXXX ( the difference between what I paid and what was credited ). 

Capital One wrote back on XX/XX/2021 stating they credited my account {$230.00} provisionally and asked for more information. I provided all of the information asked for on XX/XX/2021. 

Almost one month later on XXXX Capital One writes back that my documents are invalid and that my complaint was not timely. 

Capital One further debits me account {$8000.00}. 

Credits and Debits : XXXX Original Charge XXXX - Merchant credit XXXX - Capital One credit XXXX Capital One debit XXXX. Total chargeback to me for this dispute. I never even disputed the XXXX. Further, the XXXX was never credited to me a provisional credit. Only XXXX was provisionally credited. Capital One has no authorization to debit my account by {$8000.00} as this amount was never disputed.
Product: Payday loan, title loan, personal loan, or advance loan

The company settled the debit for lessor and is refusing to provide a 1099c as they wrote the debit off
Product: Mortgage

ON XXXX XXXX, 2016 I SENT US BANK ASSOCIATION A QUALIFIED WRITTEN REQUEST IN REGARDS TO COURT DOCUMENTS DROP OFF AT MY FRONT DOOR BY THE LAW OFFICE OF XXXX, XXXX XXXX XXXX, XXXX. ABOUT FORECLOSING ON MY HOME. I HAVE NOT BEEN SEVERED PROPERLY, AND US BANK ASSOCIATION HAVE NOT RESPONDED TO MY QWR IN A TIMELY MATTER.