23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Jefferson Capital System XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Debt and Revocation of Communication Consent To Whom It May Concern, I am writing to formally dispute the validity of the debt that your organization claims I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Please consider this letter a request for verification and validation of the alleged debt and a revocation of consent for communication as outlined below.

Dispute and Validation Request : Under the provisions of the FDCPA and 12 CFR 1006.34, I am requesting the following : Validation of Debt : Detailed information on the debt as required by 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), including the amount of the debt, the name of the creditor to whom the debt is owed, and an itemized statement of the account.

A copy of the purchase agreement between your organization and the original creditor as evidence of your right to collect this debt.

Proof of Licensing and Bonding : Verification that XXXX XXXX XXXX is licensed and bonded to collect debts in my state as required by law. Please provide documentation that demonstrates your compliance with these legal requirements. 
Revocation of Communication Consent : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-52 ( 7 ) ( A ), I hereby revoke any consent I may have previously given for your organization to communicate with me through the following means : Email Text messages Phone calls All future communications regarding this matter should be conducted through written correspondence sent to my mailing address listed above. Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 

Conclusion : Please note that this letter serves as a formal dispute and request for validation of the debt you claim I owe. Until you provide the requested documentation and evidence, you should consider the debt to be in dispute and cease all collection activities. 

Thank you for your prompt attention to this matter. I expect a response within 30 days from the date of this letter. If you fail to respond within this period, I will consider the debt claim to be invalid. 

Sincerely, XXXX XXXX
Product: Bank account or service

USAA has reported me to XXXX and XXXX for fraud. It is prohibiting me from getting a bank account and they refuse to lift it even after I clearly explained to them the error I made in processing an online transfer. They are costing me business with banks and I would like the negative reporting removed.
Product: Vehicle loan or lease

There were issues with the Vehicle and the Loan company were supposed to pay for those repairs but instead, it came out of my own pocket. We had an oral discussion about it because they contacted me at my job, repoed my vehicle at my job, and withheld my personal property from me for a Month refusing to give me the location of the vehicle, once I ended up getting my personal property that included phones, credit cards, medicine, clothes, etc some items were stolen and I ended up losing my job
Product: Debt collection

Notice 2 I am writing to address my concerns regarding a recent agreement that I believe to be a contract, but now suspect may have been a trust agreement.

Upon further review and consultation with legal counsel, I have came to believe that misleading and deceptive practices were use to make me believe that I was entering into a contract, when in fact, it appears to have been a trust agreement.

I would like to bring to your attention the importance of distinguishing between a natural person and a legal person in this matter, as a natural person, I have certain rights and obligations that are separate from those of a legal entity, such as trust.

I assert that any agreement entered into must be done so with full transparency and disclosure of the nature of the agreement, including whether it is a contract or trust agreement. I believe that I was misled into believing that I was entering into a contract. When in reality it appears that I may have unknowingly become a party to a trust agreement.

In light of this revelation. If it indeed a trust agreement that I am the grantor of, I would like to properly express this trust and ensure that all necessary steps are taken to formalize and document the trust in accordance with legal requirements.if you are to continue to state it is a contract, I will need full accounting by law of that GAAP of both accounts receivable and accounts payable. This is the only acceptable proof of claim to it being a legal enforceable contract! 

I request that a full review of the agreement to be conducted to determine the true nature of the agreement and to ensure that my rights as a natural person and as the grantor of the trust are protected. I also request that any misleading or deceptive practices be rectified and that any necessary actions be taken to address this matter. 

I appreciate your prompt attention to this issue and looking forward to resolving this matter in a fair and professional manner.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I accidentally sent XXXX payments to a person that sold me fake items. The total amounts were {$400.00} and {$600.00} I tried to dispute the transactions to cash app and they did nothing about the situation. On XX/XX/XXXX I accidentally sent {$150.00} to the wrong person on cash for I tried to dispute and ask for my money back the person declined and cash app did nothing about the situation as well. I feel like this is the worse app you can use. If you send money to the wrong person you will take a big loss due to cash app not resolving customers issues. Please help me get my money back asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing late payments on my current XXXX XXXX XXXX XXXX Auto Loan Account and XXXX XXXX Auto Loan Account thats currently listed on my Equifax, XXXX  and XXXX XXXX credit report. I have never missed a payment with XXXX XXXX XXXX XXXX or XXXX XXXX. The information is inaccurate and incorrect. All of my auto loan payments to XXXX XXXX XXXX XXXX and XXXX XXXX has always been on time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XX/XX/XXXXAccount # XXXX,XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXXr Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX has violated my rights 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Debt collection

On XXXX/XXXX/15 I made a settlement agreement in the amount of {$3300.00} with Selip and Stylianou LLP. I agreed to pay this debt once the settlement agreement was received in writing. I did not receive the settlement agreement until XXXX/XXXX/15 and on that same day i mailed a personal bank check in the amount of {$3300.00}. via certified USPS mail. Later on in the afternoon of XXXX/XXXX/15, I went to the ATM to withdraw money and it was then i learned that Selip and Stylianou LLP had placed a levy on my bank account and despite our settlement agreement 3 days prior. I also learned that after my account was levied they illegally withdraw {$1300.00} from my bank account knowing the settlement check in the amount of {$3300.00} was on route to them. Since this time, I have also received notice from my employer that Selip and Stylianou LLP served them with garnishment papers. Prior to the settlement agreement, my debt with selip and stylianou LLP was {$4900.00}. If you add the {$1300.00} that they withdraw from my bank account + {$3300.00}. settlement check, the total that I paid out was {$4900.00} which is {$1300.00} more than the agreed upon settlement that I have in writing. I am requesting a refund of {$1300.00}
Product: Credit card or prepaid card

I paid two companies for an at home business opportunity.The first one was XXXX XXXX who took XXXX dollars from me and never rendered me any services. The second one was XXXX XXXX who took XXXX from me and rendered me no services.XXXX XXXX was on XX/XX/XXXX.XXXX XXXX was on XX/XX/XXXX.I think there should be no reason XXXX would look into this for me.Both these companies lied to me and robbed me.If a company does not render services i must have some recourse with XXXX   my card.XXXX should not let these people operate a merchant account.I explained to both these companies I am XXXX years old and they insisted I would not have to work at this.I also spent 36 years in the service.This is defrauding the elderly if nothing else and XXXX should act accordingly.If services were never rendered .How is there a time frame when no services were rendered.My bank should do the right thing.
Product: Credit reporting or other personal consumer reports

Unrecognizable inquiries on credit reporting had them dispute even add address on there that I have never lived at
Product: Vehicle loan or lease

I have had numerous conversations with XXXX  XXXX XXXX has failed to give me Finacial hardship assistance and XXXX trying my hardest to make my payments the economy has impacted my income and reported me late for the last 3 months
Product: Mortgage

Back in the middle of XX/XX/2018 I finish selling my home in XXXX XXXX California are Title Company advise me that after I received all my disbursements that I was to refund them back {$1500.00} to be used for County fees.. they told me they would return me the funds wants the county send them a duplicate payment.. it is now almost XXXX and I still have not received those {$1500.00} that were promised that would be returned to me
Product: Checking or savings account

Based on an online ad, I opened a SoFi Bank account that offered me 4 % APY with no minimum balance. I deposited XXXX into the account and was going to deposit more, when I noticed I wasn't receiving the correct interest rate on my " high yield '' account. I contacted them and they said 4 % is only if you have direct deposit or put $ XXXX in per month. I told them the ad did not state that. I even ran the ad through AI and see the attachment on how even AI translated this ad. I told them they are requiring $ XXXX per month with is $ XXXX per year in order to honor the 4 %, however the ad clearly states 4 % with no minimum balance. No wording of " up to 4 % '' it just says 4 % APY with no minimum deposit. They will not honor the ad and I attempted to speak to XXXX different people and they couldn't even explain how the ad was not deceptive.
Product: Checking or savings account

On XX/XX/2020, I opened an online checking and savings account with SunTrust Bank. Over the next 2 weeks, I funded the account with XXXX checking/XXXX  saving. On Thursday, XX/XX/XXXX, as I went online to make sure a funds transfer arrived, I found out I was locked out of my online account. I called SunTrust and they said something about my account was " pending closing '' for unknown reason. I then went out and took an XXXX to a SunTrust Bank, which was closed, so I was forced to stand at the drive through for service. I attempted to withdraw my money from my account and was told I could not. SunTrust had my money and wasn't giving me a XXXX until they got ready. 

I then called SunTrust over the next few days, trying to find out what was going on. When I figured out that they had decided to close my account and block access to my money without notice, I became outraged. They acted like the money was theirs. They had not told me that this could happen when I opened the account online. I would have never put {$1000.00} in these accounts had I known the account could be closed and money inaccessible for weeks. Furthermore, they showed little concern about whether I needed that money to pay bills or buy medicine. They just locked me out of my account and said " wait for us to send you your money back. '' On Tuesday, XX/XX/XXXX I finally received a notice by email that my account was being closed. They could have done that last week. As a joke, they invited me to access my account online for " special notices. '' Of course since they had locked me out of my online account, I couldn't do that either. I made 2 more phone calls to SunTrust where I kept asking them why did they block access to my money without notice. They had no explanation, except to say " too bad, so sorry and the check is on the way. '' Right. Humiliating, frustrating, inexcusable? Yes. I still don't know why they closed the account, but will never deal with them again. But the worst thing was blocking access to my money for more than a week. It may be a small matter to them, but to regular folk who need their money it creates a crisis. 

Please investigate SunTrust 's practices of providing written notices to folks who open online accounts of what happens when the account is declined, and their practices of blocking access to money in an account for weeks that they have decided to close.
Product: Credit reporting

Good Morning Equifax. I want to start off by saying thank you for making progress here.. but I just looked at my Equifax complete service and I noticed that the XXXX account that we are going back and forth over is not even my account I have attached a document with the card I have with XXXX and the only one. I asked you if you could please remove this account that does not belong to me. 
if you can see it in your heart and please remove this account because it 's not mine
Product: Vehicle loan or lease

I purchased my car from US Auto Sales on XX/XX/XXXX, I made every payment on time each month. The car was totaled on XX/XX/XXXX and this was also during the time US Auto sales went out of business transferring my account to Westlake Portfolio. My insurance company settled and paid Westlake Portfolio XXXX leaving me with a balance of XXXX in which I also had Gap coverage. The Gap XXXX XXXX XXXX has informed me that they have closed my case due to non response from Westlake Portfolio. I spoke with the XXXX at XXXX and he has asked Westlake for my payment history from XX/XX/XXXX up to the total loss date. Westlake can only provide from XX/XX/XXXX and state that they do not have any payment history prior to this date. I am at a loss because my payment history has been lost and I can not get the car paid off without it. Please Help!!!
Product: Checking or savings account

I was married to a man that got married with me based on fraud to gain citizenship without my knowledge, it appears that he also opened a few credit cards while we were together and used without my knowledge dating back to XXXX to create a business " fancy juice '', when I learnt about the marriage being a fraud I informed my lawyer, contacted the immigration, filed restraining order. I don't know what happened to him an dif he is still here or not but what I know is looking at these cards and amounts I have absolutely no idea of that he was the one opening them. he told me that he will destroy my life but I didn't think that he could financially this way fraudulently opening accounts under my name and using cards. CAPITAL ONE CHECKING ACCOUNT WAS NOT OPENED BY ME NEITHER ITS TRANSACTIONS, CREDIT CARDS WERE NOT OPENED BY ME. O I ONLY TRIED TO OPEN A CD BUT COULD NOT CONNECT AS I WANTED SO JUST LEFT THE {$100.00} DEPOSIT IN THE CD AND LAST THING I KNOW CAPITAL ONE SEND ME A CHECK WITH THAT AMOUNT, CLOSES ALL ACCOUNTS I WASN'T AWARE OF, RUIN MY CREDIT I DO NOT KNOW WHICH EMAIL HE IS USING OR USED. I AM SO FRUSTRATED AND NEED HELP WITH THIS
Product: Credit reporting or other personal consumer reports

I have sent certified letter to XXXX, XXXX, and Transunion to have the following fraudulent accounts, resulting from identity theft, removed and blocked from my conumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). 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 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 I have reached out to the creditors and they all advised me to contact the credit reporting agencies to go through the fraud procedures.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, XXXX have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid my credit card on time using the online payment system. The following day, on XX/XX/XXXX, I checked the online information and saw a red letter notice that my payment had not been received. I then scheduled the exact same payment again. Concerned that there might then be a double withdrawal from my account, I called Chase customer service which informed me that there had been an error. The customer service representative assured me that only one payment, total amount of {$520.00}, would be withdrawn. This morning at XXXX XXXX  I received notice that my account was overdrawn due to two duplicate Chase payments of {$520.00} being made. I contacted Chase again and was told by XXXX in Accounting that Chase was not in error and that I would not receive a refund of the duplicate payment for 3-7 business days. He claimed that he was the most senior person in his department and was only able to offer the mailing address of the executive office if I wanted to discuss the issue with another individual. 

This is not the first time I have had a problem with Chases online billing system. Clearly, other customers must have had similar experiences, but Chase has not improved their technology. I notified Chase prior to any withdrawal from my bank, but the credit card company still withdrew a double amount. Now I am faced with possible bank overdraft charges and do not have sufficient funds to pay my other bills due to a refund delay. Chase has {$3.00} XXXX in assets but is unable to put {$520.00} back into my bank account sooner than 3-7 business days? This is simply absurd. Moreover, XXXX incorrectly stated that Chase had not made any errors and he was either unable, or unwilling, to let me speak with his supervisor, leaving me with little recourse. I realize that I am just one consumer and Chase is a massive financial institution, but I still have a right as an American citizen to fair and just business practices.
Product: Credit card or prepaid card

Hello. On XX/XX/XXXX I reached out to Navy Federal Credit Union to inquire about adding overdraft protection to my account. I was told that I couldn't add overdraft protection because I had an OPEN bankruptcy on my account. I notified the representative that this was no accurate. The rep asked me to call back tomorrow to speak with the Bankruptcy department because they'd already closed for the day. 

I filed bankruptcy back in XXXX of XXXX. My bankruptcy was discharged around XXXX of XXXX ( the same year ). Around XXXX of XXXX the bankruptcy was reopen briefly to amend some documents and closed right back on XX/XX/XXXX at XXXXXXXX XXXX  Navy Federal somehow didn't close the bankruptcy out on my account but left it open. 

The problem with this is I have applied for credit and was declined. I also opened a credit card ( which is backed by a certificate I hold with Navy Federal ) which they gave me the highest rate the card goes of 18 %, Was my credit judged by the bankruptcy that Navy Federal falsely had ( or currently has ) on my account which in turn caused me to be declined and given a higher interest rate? I can't see an underwriter ignoring a bankruptcy when making a credit decision- so we know something happened. 

I tried to respect the chain of command and speak with someone at the bank to discuss this- but I was only threatened, emailed a brochure, and told by the supervisor that he HIGHLY suggest I read it before I pursue any legal avenues. 

Per the Fair Credit Act this is wrong.
Product: Debt collection

I have as ked Central Credit Services to not contact me via telephone and send all correspondences through the mail. Th ey continue to harass me by phone every single day, several times a day, to collect on a supposed debt.     I have also as ked Central Credit Service s  ( three se parate times now ) to provide me with proof of debt, but no such proof has ever been mailed to me. They continue to call without providing any debt validation and they continue to harass me when I have asked them several times to not contact me via phone.     The first time I call ed Central Credit Services to ask fo r proof of debt in the beginning of this year, the female representative who refused to give me her name used obscene language and told me, " I do n't give a  XXXX  what you say   XXXX  , you owe this money. '' For these reasons and more, I belie ve Central Credit Services is  attempting to collect a debt that does not exist given that they are unable to provide me with proof of debt and refuse to follow FTC protocol and industry standards.