23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a complaint against XXXX XXXX XXXX in New York a debt collection agency. I called XXXX XXXX XXXX to let them know that I was mailing a XXXX dollars Cashier 's Check which someone named XXXX at the agency said that it was fine to mail in a Cashier 's Check. When I called I ended up getting the Operator of XXXX XXXX XXXX who then took matters into her own hands. When I explained to her how much money I was sending and that it was a Cashier 's Check, she then went off on me with vulgar language and threatened me with legal action. The Operator of the company then said, " We do n't accept Cashier 's Checks or Money Orders, the only form of payment that we receive are by phone using a debit card or credit card number only! '' Then I went on to explain to the female Operator of XXXX XXXX XXXX that by law any bank can take away a debit card or credit card when it has been abused! And I explained that I do n't have a debit card number or credit card number to give to XXXX XXXX XXXX. She said, " Who told you that you can mail in a Cashier 's Check?! '' I told her someone named XXXX from their company said that I could mail in a Cashier 's Check. The Operator of XXXX XXXX XXXX said, " XXXX had no business telling you that it was okay to mail in a Cashier 's Check! '' Then I told her also after coming from a Bankruptcy which my case was thrown out by the courts I have over XXXX bills to pay, so I will mail in another payment when I can. Then she used vulgar language by using the XXXX word ending in an XXXX, but I will quote what she said by putting blank in the place of the very offensive word she used. The Operator of XXXX XXXX XXXX said, " Do n't think that you can send money any blank time you feel like it! And we do n't accept less than XXXX XXXX dollars and you must be set up on a payment plan with a debit card or credit card! Or you can walk into XXXX XXXX XXXX and deposit the money into our account. '' I told her that there is not a XXXX XXXX XXXX in my area or even in the state that I live in from what I know! Then the Operator of XXXX XXXX XXXX began to argue me down by saying, " There is a XXXX XXXX XXXX in your state! '' The Operator of XXXX XXXX XXXX said, Yes it is! Yes it is! What state do you live in? '' I said, " Alabama! '' Then the XXXX of XXXX XXXX XXXX said, " Oh! Well you 're going to have to go and retain an attorney! '' I told her that I did not need an attorney. Once again the Operator of XXXX XXXX XXXX said, " You 're going to need an attorney and you are going to prison for not being able to pay Always Money! '' Then I hung up the telephone, since the Operator of XXXX XXXX XXXX upset me real bad.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I am currently trying to dispute transactions that were not made be me With Bank of America for XXXX that was stolen off my card I am looking to make a police report and get that information I need to make these disputes so I can Recieve my funds back I have been trying to open them back up over and over I was requested to report to start another investigaton I took {$600.00} off my card the rest was stolen I stayed on the phone with an operator while I got the {$600.00} off I was to revive another card Im the mail cause the funds were deposited on an old card With the Remainding Balance cars card the next following week the XXXX was gone off it and didnt spend not a dime of it XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX my contact information
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, Sunnova filed a financing statement against my property located XXXX XXXX XXXX, FL through XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that they have a security interest in my property for a home generator and associated equipment. Since I financed the generator back in XX/XX/XXXX through Sunnova but the generator was purchased and installed by the XXXX XXXX XXXX in XXXX, FL, Sunnova has filed three of these financing statements for solar equipment which I do not have on my property. All three previous financing statements were terminated. When I spoke with Sunnova representatives in the past about the bogus filings, they asked me to provide the system ID for solar panels that do NOT exist. I was also told that Sunnova does not file financing statements for accessory equipment like home generators. Now Sunnova has changed their tune since I have been filing complaints against them and have now resorted to further shady business practices by filing financing statements for a generator and associated equipment and they have not identified what exactly the associated equipment is. I have made XXXX of the XXXX payments that I am required to make as per the financing agreement with Sunnova. I do not know what benefit Sunnova hopes to achieve by filing these bogus financing statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these companies, XXXX XXXX XXXX  Account # XXXX and XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX Account # XXXX, have 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ;
Product: Bank account or service

I checked my checking bank account transaction history on XX/XX/XXXX and identified 17 suspicious {$20.00} charges to a XXXX reloadable gift card dating back to XX/XX/XXXX with the last one occurring on XX/XX/XXXX. I called Citibank to inform them of these suspicious charges and informed Citibank that I do not have a XXXX reloadable gift card and I did not make XXXX individual charges within a 1-2 month span. I disputed all XXXX charges and was informed that I would receive credit back for all while the bank investigated the case. I also received a new debit card and Citibank canceled the debit card in my possession due to it potentially being compromised. One week later, I noticed that I had only received credit for XXXX of the XXXX charges, so I emailed then called Citibank. I was told that XXXX of the charges were disputed but only XXXX were credited so far, and Citibank credited the XXXX other charges they told me had not been disputed. However, I received a letter indicating the XXXX that were disputed. So there are conflicting messages being told to me and, at this point, I have received credit for XXXX of the XXXX disputed charges. Beyond the annoyance of having to track and manage this issue on my own because Citibank got it wrong the first time, I fear their fraud detection and case management processes and/or people are proving ineffective.
Product: Credit reporting or other personal consumer reports

The report is inaccurate. I submitted a complaint and was closed. No resolution!!! There is illegally false information on their report that needs to be removed!!! It is not accurate. I want proof of their supposed accuracy of their inaccurate reporting!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete these immediately in my file : 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I tried to take out a loan from this company called LightStream. Now at the time I didnt know they were a scammer loan company. I gave them my bank info and they went in to my account making False claims on my account and steeling money that wasnt really their. My bank froze my account and told me I been hit by a fraud company that this was not the first time. This all happened the week of XX/XX/XXXX till the middle of this week trying to get things fixed. My credit score is now messed up because the clams they mad were to my financial company for my car. My financial company is also saying I own them money now and the bank has closed my account because this company bent me over in there lie. They are a fraudulent company and need to be stopped before they hurt other people. Im trying still to fix everything they messed up. Its absolutely insane that they can do this and have a whole fake website as well screaming people out of their money.
Product: Credit reporting or other personal consumer reports

I have examined a copy of my consumer report, and during this review, I observed that both the consumer reporting agency and the so-called " creditor '' have provided my personal information without obtaining my consent. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, it is explicitly required that they obtain my written consent or have a court order to share any of my information on my behalf. I want to make it unequivocal that I do not grant permission for them to share my information on my behalf, and I am now formally instructing them to cease and desist all unlawful activities.

In accordance with 15 USC 1692a ( 2 ) of the Fair Debt Collection Practices Act ( FDCPA ), the term " Communication '' encompasses the conveyance of information related to a debt, whether directly or indirectly, through any means. This definition includes various forms of communication, such as oral, written, electronic, or any other medium. Consequently, the act of furnishing the Consumer Report, which contains information about the alleged debt, by the company qualifies as a form of communication under the FDCPA.

In line with my rights under 15 USC 1692c ( c ), I am now officially notifying you to immediately cease any further communication regarding this account. This cessation of communication extends to all forms of contact, including telephone calls, emails, social media, or through any Consumer Reporting Agency. Any additional contact made by your agent or company, except for a confirmation of receipt of this letter, will be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ).

If you fail to comply with this cease and desist notice and continue to communicate, I will have no choice but to initiate legal action against you. I appreciate your cooperation in this matter.
Product: Credit card or prepaid card

I received a notice from Wells Fargo bank stating that they were thanking me for opening a credit card and that I would soon receive it in the mail. I never applied for a credit card with Wells Fargo. I called Wells Fargo and asked what was going on. They looked and said a card was opened in my name no charges had been made and that I should be receiving my credit card in the mail to my address. I told them I did not apply for this credit card I do not want it. They said it mustve been opened in my name fraudulently which did not make any sense to me considering the mail came to my house and no charges were made on it. They said the card was open on XX/XX/2021. XXXX concerned this is more fraudulent activity by Wells Fargo.
Product: Checking or savings account

I have been banking with key bank for over two years now and have XXXX accounts and my XXXX account my direct deposit goes in there! over the last several months key bank has decided to charge me a XXXX Atm withdrawl fee every month for over {$20.00}! each month it differs! i have contacted them numerous times in regards to these fees and have got no responses back! i want to know what these fees are for! i use one atm and thats the one at my work because my cafe does not accept debit cards and its cash only! i do get charged a dollar every time i do use the atm so why am i getting charged twice for each withdraw? this should be illegal, this is my money not theres! im sick of these hidden charges! i also would like to know why key bank offers their new customers money to sign up for a account but in the meantime their loyal customers that have been banking with them for a long time only are get money taken from them!!!!
Product: Payday loan, title loan, or personal loan

I was approved for an title loan through bay country in XX/XX/XXXX. My car was repossessed in XX/XX/XXXX. I attempted to get my vehicle out by paying what was due. My lender told me I I had to pay XXXX to get my vehicle back. Paid bay country only to find out I had to pay the same amount to the repossess company and XXXX-XXXX  a day going forward. The XXXX I was paid to bay country was all I had which I explained to them. They told me its nothing they could do. I got my tax refund a month later and got my vehicle out for approximately {$950.00}. Pandemic began in mid XXXX which included an state wide Moratorium putting a stop to evictions and repossession. I was unemployed due to the COVID and told bay country I wont pay when I get funds. We spoke monthly to see if my situation changed it did not. XX/XX/XXXX I called to make a payment the very next month my account was sent to collections department. I was told that the full amount of my loan was due and I no longer qualified to make payments. My car will remain in repossession status until the full balance is paid. Original loan amount was XXXX now I owe XXXX.
Product: Debt collection

After unlocking my credit report for past fraudulent activity I received a alert from my credit monitoring service with XXXX  stating that I have a new collection reported to my credit report without my knowledge of this fraudulent debt from Sequium asset solutions
Product: Vehicle loan or lease

on XX/XX/, the loan was paid off and title was requested. On XX/XX/XXXX a follow up call was place and i was advised the title was on the way and that they would send a lien release as well to satisfy insurance to payout for the totaled car. Neither document was received and no proof of sending was provided. on XX/XX/XXXX another follow up call was place by me and was told the same story and that a supervisor would return the call to fill me in. on XX/XX/XXXX i called again to request a supervisor and none were available. on XX/XX/XXXX i am currently on the phone and filing this complaint hoping to have an action of some sort take place.
Product: Debt collection

Cold call from Central Portfolio Control stating I owed a debut for a rental apartment from 5 years ago asked for proof of debut never received, company continues to call weekly for last 2 months with out ever sending proof of debut. I have asked them to stop calling until proof of debut can be provided as this debut was already discharged.
Product: Checking or savings account

I currently bank with current bank and I had a deposit for {$1700.00}. Going to my bank at the time? I didn't have my card with me. So I had linked my XXXX XXXX to it. And I just could withdraw {$250.00} at a time. And I was out of town in XXXX at this. At the same time so I don't know if that made it worse or not, but I left {$460.00} in there. The next day I tried to get it out and it said my account had been frozen in under review that was I believe XX/XX/XXXX ever since I can not get any. Money out of my bank. I can't withdraw. I can't transfer. I can't do anything with my bank. They ask me to send in a bunch of documentation. And I sent in everything they asked more than once when they first blocked. My regular email. I had to use a new email to send them the information. Because my email would not send them none of the documentation. And now they're telling me that my it's still gon na be under review. And I need my money
Product: Credit card or prepaid card

I am extremely dissatisfied with the result they have came up with. I use cash app on a consistent basis and I feel as though they have not Investigated nor have they done enough to keep my personal business safe. Those funds were taken from me while trying to obtain supplies for a client I had just accepted a contract with. Im standing in XXXX XXXX looking to buy materials only to find out {$620.00} Dollars I received for a Deposit wasnt there. I then reached out to cashapp who are suppose to keep my account safe only for them to tell me that I Orchestrated taking my own money? I went as far as contacting the XXXX  to get help and CASH APP tells me they have concluded that I gave someone permission to take my funds? Its XXXX  and you mean to tell me that you guys cant figure who took my money? The work I provide to my clients is very important to me its how I take care of my family. The embarrassment of having to tell my client that things arent going to be done when promised, extend the finish date. Witch caused an avalanche of problems. Im having to take other jobs to regain the money just to complete the initial job. Taking my personal funds to make up for something being stolen right from underneath me. Im out of state looking to complete a job and cant even go home until it was complete. I will be uploading photos of XXXX XXXX to show evidence.
Product: Vehicle loan or lease

In XX/XX/2020, I used Chrysler Capital 's online checking account payment platform to pay my monthly balance. I accidently did not include one of the zeros at the beginning of the account number. The payment was rejected and I was immediately assessed a XXXX $ fee. On XXXX I called Chrysler capital to ask about the fee, and explained that I has simply missed a zero. I could not believe that missing a digit in an online payment box would instantly result in a XXXX $ fee ( the fee assessed for bounced checks, etc ). I could not understand why the online platform marketed as 'PAY WITH CHECKING OR SAVINGS it's fast, easy and FREE! ' would be so quick to assess a fee. 

In any case, to keep my account current, I paid both the payment balance and the fee, but I expected that the fee would be reimbursed, based on my conversation with customer support on XXXX. 

When I checked later on XXXX, I was told that the fee could not be returned because it was already paid, and because it was 'in the contract ' that payments that did not go through were to be assessed a XXXX $ fee. Nevertheless, I explained my dismay and a customer service agent promised to elevate the problem again. 


On XXXX I called Chrysler capital again to complain about the fee and was told that it was denied because it had already been paid. 

I have asked repeatedly for more information on the fee, and was always told that it was 'in the contract '. I asked for specification on where it was in the contract, and never received any additional information. 

In any case, I view this fee as extremely unfair, and that the payment system was set up to solicit mistaken entries and assess fees. I would encourage people to avoid chrysler capital. 

I was promised that the fee would be
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2021 I was notified of a new debt collection from CCS of {$120.00} for XXXX XXXX. This is the first Id heard of this. I contacted CCS and the agent wasnt able to find my file with my current information I provided. It took him some time and I was listed under extremely old information. He stated that a letter had been sent to me but I had never received this and he couldnt verify when it was sent. I paid the balance and requested that the collection be removed from my credit immediately. He stated that it would be 7-10 days before it updates to paid but would not be removed.
Product: Debt collection

I sent them a letter on XXXX XXXX, 2015 asking for validation of the debt per The Fair Debt Collection Practices Act. 
I have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this on multiple occasions, now Im being told Im unable to dispute it. The account of XXXX XXXX is not coming off of my Experian dispute report. Ive tried on many times. Ive taken this off of my XXXX and XXXX reports but still nothing for Experian.At this point Experian themselves does not want to assist me l. I called on XX/XX/2022 and spoke with XXXX who let me know that I can not dispute this item anymore since Ive already tried to dispute it. I provided an FTC report for them to take it off yet they are reluctant to assist me. Theyve gotten to the point where they do not even want to let me dispute it. They do not have my correct information and Im not being told what is Experians process of verification but they wont even disclose. I want this taken off immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax : I'm dealing with an XXXX XXXX account that was charged off in XXXX and sold to a collection company : Resurgent in XXXX. There's a Field on my Equifax credit call : Delinquency First Reported. This date has been re-aged several times, last in XX/XX/XXXX which had a major effect on my credit score. This continued re-aging make it appears as a new derogatory which dropped my score. 
XX/XX/XXXX shows a payment history and Equifax do not show a payment history. XX/XX/XXXXreport shows I made my last payment on XX/XX/XXXX but my payment history shows my last payment to be on XX/XX/XXXX. XXXX report that this account is reporting accurately when its not.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX