23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

This is a complaint against a company called Credit Fresh, an online installment loan company. 
I obtained a loan from them on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I revoked permission for them to automatically deduct payments from my checking account. 
My payment due date was XXXX XXXX XXXX However, in Texas, by law, all installment loans have a 10-day grace period and late fees may not be charged until 10 days after the due date. I had until XX/XX/, to pay them without penalty. This is why I withdrew my ACH withdrawal permission. 
On XXXX XXXX XXXX despite my revocation of permission, they went ahead and illegally withdrew {$100.00} from my account. I contacted them and demanded that they return the money immediately, pointing out that I still had 10 days to pay them without penalty. They denied having received my written revocation. 
After an exchange of emails over several days, on XXXX XXXX XXXX they admitted that they had received my original revocation email and promised to return the funds they had stolen from me. They claimed they could not do this immediately as their bank had not confirmed the payment yet. They promised that they would return the funds or update me within 2 to 3 Business days. 
By XXXX XXXX XXXX 5 business days later, they still had not returned the stolen funds or contacted me with an update on the situation as promised. I contacted them and they responded with an apology and said they would address the matter right away. 
Today is XX/XX/, 5 days later, and they still have not returned my funds nor have they provided an explanation why they havent. 
In addition, I checked my account status shortly after the theft and it showed a payment of {$100.00} and {$20.00} of available credit. However, my current statement dated XXXX XXXX XXXX fails to show this stolen payment and {$0.00} credit available. 
I believe their initial illegal withdrawal on the XXXX and their continued lying to me about resolving the situation constitute a material breach of our contract and entitle me to monetary damages under federal law.
Product: Debt collection

back in XXXX i bought a condo and ended my lease with Pavilions of Deer XXXX I paid ALL the fees for early lease termination as per the lease contract. 

Months AFTER I moved, I received a bill from Pavilions for a charge of {$560.00} claiming damages,,, again, after a few months and move-out inspection. 

Pavilions is notorious for doing things like this when tenants move, even just by reading past reviews.. this is a common occurrence they tack on these fees I tried to resolve it, but it IMMEDIATELY went to collections, and since then, at least XXXX collection agencies have been demanding payment for this FAKE charge, each XXXX not even trying to negotiate, just wanting full payment with no recourse This last time.. Qualia ( the last agency ) reported this on my credit report. 
At the time of XXXX my XXXX scores were hovering in the XXXX range.. yes, I said XXXX, with XXXX late payments, all revolving debts paid in full by months end, and a stellar histry with car payment ( XXXX XXXX ), mortgage ( regions ) and XXXX Visa, XXXX XXXX, I discover and XXXX XXXX XXXX XXXX with XXXX credit lines.. 

So, all these LEGITIMATE companies deemed me a good risk, and now with the hit on my FICO.. its still in the mid-high XXXX range, but that is NOT indicative of how I handle my finances This is nothing but a money grab, by an agency that has nothing to lose by reporting this collection and try to strong-arm me into paying this " ransom '' Even if I do pay ( which I wont bc its a scam ) the collection will still be on my report XXXX XXXX XXXX XXXX, not in great health, and this is causing a great deal of XXXX.. My next step is to seek legal help and turn the tables on these predatory agencies, but XXXX hoping CFPB can put a permanent end to this situation Yours truly, XXXX
Product: Money transfer, virtual currency, or money service

I have been scammed by a company that was supposed to be American Home Solutions.I received a letter from " AHS '' stating they can help lower my mortgage, so I XXXX them to make sure everything was legit. I didn't find anything so I called and spoke to XXXX XXXX. We talked for 4 months straight, we also talked to my mortgage company to permission to move forward. So in order to for things to happen I had to send a cashier checks in the amount of XXXX once a month for 4 months to XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX  When the XXXX month came and I didn't hear from XXXX I left a brunch of voicemails and sent emails. I called my mortgage company and they stated they never receive a payment from me in months and I was going to be put in foreclosure. I never heard for American Home Solutions again.
Product: Credit card or prepaid card

I have a credit card which has 0 % APR until XX/XX/2023. I have made all monthly payments, but there was an interest charge that was not correct because my credit card still has a promotion of 0 % APR. I want that bank of America take out that interest charge from my credit statement.
Product: Debt collection

I received a letter stating that I owe CBCS {$580.00} in which I have no knowledge of this debt. An original creditor was listed as XXXX XXXX XXXX XXXX in which I have never done business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX REPORTS INACURRATE STATUS abd has repeatedly attempted to collect the wrong amount of accounts prior with XXXX XXXX in violationof FCRA, UDAAP, and FDCPA. I have no contract with PRA. These were secured accounts and deposit adjustments are not being reported. Furthermore, these accounts are not active revolving credit accounts. THE DATES OPENED ARE INCORRECT. Experian and XXXX  refuse to open consumer investigations into these actions. 

XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/18
Product: Credit reporting or other personal consumer reports

I was recently involved in breach and Identity theft as well as I have disputed inaccurate information on my report and TransUnion has used stall tactics and as well have not properly re-investigated disputes. I recently filed a lawsuit on a few of the entities and won and TransUnion is still reporting. TransUnion is also reporting experience and transactions on my consumer report that I did not give written consent to report. I am asking for your assistance in mediating these issues. They have caused me and my family financial stress and detriment and I seek remedy.
Product: Checking or savings account

paid XXXX for a procedure that was done incorrectly and caused injury and damage. the payments was split up between my chase debit card and two medical. credit cards went into chase in person to dispute. i had all of my documentation. i also submitted documents showing that one credit card had already credited my account and that I was disputing the false advertising and misrepresentation of the services. chase put in the dispute and took my documents on Tuesday XX/XX/2021.i was told that i had 5 business days to submit the second opinion medical letter stating that the procedure was done incorrectly .the 5 business day would have meant i had to have the documents in byXX/XX/2021. i was given a fax number to send the documents and a claim number. however 2 days letter i received a letter from chase stating that the dispute was denied because the charge was authorized. the dispute was for misrepresentation and false advertising of services, not an authorization dispute. also it was under the 5 business days and i had already paid XXXX to see an additional doctor to get the second opinion letter. when i called they stated the claim was denied because it was past 60 days. when i told them that i received a letter stating something different i was hung up on. when i called back they said claim closed and they would not accept any additional documents. i asked if i was just supposed to take a loss of XXXX. the representative stated yes!
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 confidentiality under 15 USC 1681. has violated my rights. 

XXXX XXXX XXXX # XXXX last reported XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX ; XXXX XXXX ( XXXX ) # XXXX account type XXXX  shows Open, XXXX shows Collection ; XXXX XXXX XXXX XXXX Last Active XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX Last Active XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX ; XXXX XXXX XXXX # XXXX Last Active XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/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 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: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

My student loan accounts and payments are not uniformed across the XXXX credit reporting agencies. Transunion and XXXX are still reporting late payments on a closed account while XXXX has the accounts removed. 

Everything must be uniformed across all credit reporting agencies and if not it is an inaccuracy and violation under the FCRA. 

The account number and dates of these accounts are : XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX
Product: Debt collection

This collection is listed on my XXXX credit report but not my XXXX. In addition, I was not informed of this debt. Please validate debt.
Product: Mortgage

My father passed away in XXXX. His name was originally and is still on the mortgage loan. The Grant deed/Title was transferred to my name about XXXX  years ago. I am the lawful owner of the property. When my father passed, I informed the mortgage company and submitted the death certificate and the copy of the title. 
During the storms in California early XXXX my property was damaged with water. I called the home insurance company and filed a claim. The inspector came out and they approved my claim. The insurance mailed out a check to the Estate my fathers name, my name and mortgage company. When I explained to the mortgage company that there is no estate account and I would not be able to cash the check for the repairs, they reassured me that I had to mail the check back to them and they would put it in an escrow account and would be able to reissue a check to only my name. Its been XXXX months waiting and calling them on a weekly basis, for them to mail out a check to the estate of my father. I have called them and asked them to please help me and now the loss and draft department is saying that the account in an estate and they can not do that. Every time I call its a different story by different representatives. Please help me, my roof is deteriorating as time continues to pass and I need to repair the storm damages. We are in XXXX season and expected rain soon. Please help me. I had tried to explain this situation to the insurance who issued the check for repairs but unfortunately they will not take off the Estate of My fathers name. Thank you.
Product: Debt collection

XXXX was private student loan lender and now I am receiving mail from NES Of Ohio stating that my student loans are in default and in debt collection. 

I contacted XXXX in XX/XX/XXXX to discuss repayment options and they told me they could no longer assist me because now NES Of Ohio has information on my student loans. NES Of Ohio has sent me notices in the mail stating I should paid the amount of {$7300.00}. From XX/XX/XXXX-XX/XX/XXXX I was a XX/XX/XXXX in XXXX and earned a readjusted monthly living allowance of $ 250.00- {$260.00}. From XX/XX/XXXX-XX/XX/XXXX {$50.00} were deducted from my readjusted living and sent to XXXX for student loan payments. 

I previously spoke to XX/XX/XXXX in XX/XX/XXXX a month after I returned from serving in the XXXX XXXX and they told me over the phone that I could pay {$38.00} a month but I was unemployed at the time.
Product: Checking or savings account

On XX/XX/2022, I was at home in XXXX, TX when I received an email from Chime that my bank account ATM withdrawal limit had been met for the day as someone was in XXXX, NY withdrawing funds. When I opened my Chime app for further investigation I saw that someone withdrew {$2900.00} from my account. Confused because I had the card on me I immediately called chime to dispute the transactions. They told me I had to wait for the transaction to post before I could dispute them and proceeded to assist with cancelling my card and issuing me a new one. Two days later on XX/XX/XXXX they said they found no error and closed my dispute. I uploaded a receipt from a purchase on XX/XX/XXXX in XXXX texas at XXXX as evidence that I could not have withdrawn money from an ATM in XXXX NY when I was clearly in XXXX XXXX TX and again they denied my dispute. I have called countless times to reach a competent person to assist in refunding my funds but to no avail.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check of {$2900.00} to my Capitol One checking account online. I then got an email stating it was being processed. A few moments later I got an email saying it was successful and that the amount will be available in full on XX/XX/XXXX. Then on the same day, I received an email stating " We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you don't have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to the address on file. '' I was not made aware of the reason. The next day XX/XX/XXXX I called the bank in order to ask questions and was immediately sent to voicemail. I was not too worried about it as this was a small amount of money. I tried calling a couple more times only to receive the same response. Sent straight to voicemail. 

On XX/XX/XXXX the check was reversed without any notification I noticed this on XX/XX/XXXX and tried to call the bank still sent to voicemail due to my account status. 

XX/XX/XXXX I called the bank that morning after noticing my savings account was closed. I was not made aware of why. Then received a call saying they couldn't verify the check and that the bank was " no longer doing business with me. '' My accounts would be closed and my money will be coming in through a check in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting XXXX, XXXX and Experian about credit inquiries to delete them they were done without my knowledge and say so i asked to provide proof as well as my wet Signature and all and still there are some on my consumer report. Please help my XXXX this is having an affect on my life and ability to obtain anything credit wise.
Product: Credit reporting or other personal consumer reports

I noticed an inaccuracy in my credit report, showing late payments on an account that was paid on time. Credit reporting agencies are required to report accurately, and this account was not late. I've attached my report with the dates in question. Please investigate and provide proof of late payments. If unverifiable, I demand the payments be corrected to on-time status immediately. Thank you for your swift attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I both lost our jobs due to Covid19. So we requested a Forbearance only for 60 days under the Federal CARES ACT on XX/XX/XXXX via telephone and I followed up with an email on XX/XX/XXXX. I was told not to worry you are approved by the customer service representative. I received a letter dated XX/XX/XXXX stating were approved by XXXX XXXX and were advised that our next payment would be XX/XX/XXXX. I have since then made my payments to bring my account up to date. However, XXXX financial has reported me 30 days late to the credit bureau. I disputed this with the credit bureaus and I called XXXX on XX/XX/XXXX. They said that I was granted the forbearance after my due dates per the letter they sent me. I told them I was given verbal confirmation on XX/XX/XXXX that I was approved for a forbearance and this letter was sent after the fact as confirmation. The representative said there is nothing he can do. It is the way our computer system works. I am requesting this late mark be removed from my credit report. XXXX XXXX is not following Care Act guidelines during this national emergency.
Product: Checking or savings account

COMPLAINT AGAINST SALLIE MAE BANK Please help in recovering {$98000.00} that SALLIE MAE BANK is not redepositing in my XXXX XXXX account XXXX [ statement attached ]. I initiated transfer of this amount from each of my XXXX XXXX saving XXXX [ statement attached ] and XXXX bank XXXX XXXX [ statement attached ] on XXXX by XXXX XXXX. When SALLIE sent this money to XXXX and XXXX  apparently they did not code it correctly and both XXXX and XXXX claim the account registrations did not match and rejected the transfer. XXXX reversed the transaction and the money was redeposited into my SALLIE account on XXXX. XXXX  did not reverse transaction and only rejected it claiming [ see attachment ] that XXXX never got possession of these funds so they can not return them to SALLIE. I filed a dispute with XXXX but per attachment, XXXX claims they followed all federal regulations, closed the case and refuse to communicate with me any more on this issue stating that I need to dispute the transaction with SALLIE. I disputed transaction with SALLIE but SALLIE keeps saying they are investigating and will respond in XXXX hours but never do [ see attached communications with SALLIE ]. I have now been waiting for 15 days for response since initial transaction. The fact that both XXXX XXXX XXXX independently and separately had the same problem clearly proves the problem was with the way SALLIE handled this transaction. These funds are my life savings that I XXXX and saved all my life, suffering enormous hardship. I am in desperate need of this money so anything you can do to help retrieve these missing funds quickly would be greatly appreciated
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, GA XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Subject : Request for Debt Validation Dear XXXX  I am writing to formally request validation of the debt associated with my account, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I have received communication regarding this matter and would like to exercise my right to request detailed information about the debt you claim I owe. 

Please provide the following information : 1. The total amount of the alleged debt.

2. The name of the original creditor and the nature of the debt.

3. A copy of any agreement or contract that demonstrates my obligation to pay this debt.

4. Documentation that proves you have the authority to collect this debt.

5. A complete account history, including the dates when the debt was incurred and any payments that have been made.

Additionally, please halt all collection activities until you have provided the requested validation. If you are unable to furnish the necessary information, please consider this debt disputed and remove any negative reporting associated with it from my credit report.

I appreciate your prompt attention to this matter. Please send the requested information to my mailing address listed above. Thank you for your cooperation.
Product: Payday loan, title loan, personal loan, or advance loan

Navy Federal Credit union gave me personal loan that should have been for a lot more based on the my credit score at the time. They used disparate treatment in my case to determine the amount and APR. My Credit score was at least XXXX.
Product: Credit card or prepaid card

My identity was stolen twice during the past few years. I have opted out of receiving any pre-Approved solicitations for credit. Chase continues to send me solicitations that included pre printed checks that can easily taken from my mail box. 

I spoke with Chase today and asked them to stop sending me these solicitations, especially the ones with pre printed checks with a credit limit of {$15000.00}. I was transferred five times and each department said they had to transfer me to another department. 

On the last transfer, I asked to speak with manager. XXXX came on the line and said she would have to transfer me for the sixth time. During the 35 minutes on hold, I was able to find the cfpb site and fill out this form. XXXX refused to give me contact information so the cfpb can follow up with her. 

I have also repeatedly asked them to stop calling me to offer their promotional vacations and they have continued to call me for the past five years. 

I have formally opted out of all solicitations and Chase continues to send them. Please have Chase and their affiliates remove me from all solicitations. Thank you. 

Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any  information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX