23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020, in the Federal Bankruptcy Court of the state of Minnesota, XXXX XXXX XXXX XXXX officially ruled any and all debt theough AES to be disallowed. AES and any other Lenders, or Debt collectors that are connected to AES were informed by Attorney XXXX XXXX to file paperwork proving that said debt was in fact owned by the lenders that AES was servicing. AES was given 90 days to provide documentation as well as show up and appeal. They did neither. Because of their actions 5 orders of disallowing further claim of debt were filed and signed. AES claims that private students loans can not be discharged solely through Bankruptcy, but have to go through adversary proceedings and be proven to cause extreme financial hardship. In this case proceedings wefe had amd evidence was shown. These debts are no longer valid according to the Federal Bankruptcy Court. AES has refused to communicate with attorneys and provide any documentation that would prove otherwise. My name was signed fraudulently to these loans and AES refuses to assist in filling any sort of fraud documentation. They say they need a police report, but the police will not file a case against an entity that no longer exists. They can investigate a company that no longer exists. AES is allowing for these fraudulently accounts to remain open and active, and refuses to close them, even though the original lender closed their doors XXXX XXXX AES was attempting to collect the debt then as well stating that the company was still open and until XXXX contacted them, they would continue to collect money, even though they were never paying XXXX. AES only changed the lender in XX/XX/2020 from XXXX to XXXX. I am not responsible for any of this debt and I want it removed from my name.
Product: Debt collection

XXXX will not retract the debt from the credit collection agency when the debt has been paid in full. I spent 2 hours at XXXX store in XXXX MD and spoke to XXXX XXXX XXXX who stated he could not assist.
Product: Checking or savings account

On XX/XX/2020, I deposited a check for {$4300.00} at my ( Chase ) bank 's ATM. I normally would have taken a check that size into the bank branch but we are supposed to be practicing " social distancing '' due to the coronavirus pandemic. Since I have never bounced a check or overdrafted my account AND the same person had written me a check 10 days before that had cleared - I assumed that there would be no problem. I was notified that a hold would be put on the check until XX/XX/XXXX. The check was from an account at a local bank. 
On XX/XX/XXXX, I was notified that the check was on hold until XX/XX/XXXX. 
I contacted the client who had written the check to see if the check had cleared her bank. 
She confirmed that the check had cleared and the funds had been withdrawn from her account on XX/XX/XXXX. 
I called Chase Bank on the morning of XX/XX/XXXX. I was put on hold for over an hour. 
When I finally spoke to a customer service representative, I was told to go to my local Chase branch to sort it out. However, I live in Michigan and the Governor had just issued lock down orders for the entire state so my bank branch was closed. I explained this. I explained that the funds had already been released to Chase by the local bank from which the check had been written. Chase had the full {$4300.00}. 
I was told that Chase was holding the funds for a " secondary review ''. The representative refused to explain why. I was told that I would not get my money until the following week. 
That leaves me with {$140.00} to pay my bills and buy food for the foreseeable future - I am not confident that the money will be released at all at this point since there was no reason to extend the hold order in the first place. 
Let me repeat : the check had already cleared the other bank and Chase was in possession of the funds with no reason given as to why I could not access the money other than some vague reference to a " secondary review ''
Product: Vehicle loan or lease

Ally Financial has validated my consumer right to rescind my auto loan. I have sent several letters explaining that I am exercising my right to rescind the auto contract. I was never told about my right rescind from the binging of the contract. I was never giving any information or had anything explained about a right to rescind. I even emailed an associate XXXX who has been responding to my letters. After further looking into my contrast I noticed a lot of mistakes on my paper work. At the time I was not knowledgeable about auto contracts and as a consumer it seems as if the dealership and Ally Financial has been taking advantage of me the consumer. The only thing that as been address is the finance part of my contract but not any of my other issues with Ally Financial. On my original paper work there are no signatures from Ally Financial or the XXXX. As I explained to XXXX XXXX since I was never giving any information about my right to rescinded and adding a downpayment to the transaction went against XXXX. I even sent XXXX XXXX emails of the contracts that were not signed and still the company is refusing my right to rescind. As a consumer I have rights. It states on my bill of sale that if an XXXX XXXX  signature is not present the contract is not binding. So why is that not beginning addressed and why is my rights as a consumer beginning ignored.
Product: Mortgage

My mortgage interest rate and payment with Nationstar Mortgage increased XX/XX/2015. I requested on XX/XX/XXXX, a reason why I was never notified of any pending increase and was told that on XXXX/XXXX/15, I was sent a notice that my rate would be increasing. I asked for a copy of that notice on XX/XX/XXXX since I never received it and still to this day I have heard nothing. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act Convergent Account # 8983 has violated my rights.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

There was a charge of XXXX on GM card Goldman -Sachs for XXXX XXXX tickets on XXXX I did not make are authorize these charges, I have requested to send a copy of the receipts and asked to investigate and remove them with no positive reactions of satisfactory. These were not my charges I was not In XXXX XXXX XXXX
Product: Checking or savings account

Chime closed my account on XX/XX/ 2023 And I was told I would have to wait for 30 days no reason why my account was closed just closed I should have been issued a check at least in 10 days not 30 and was told some wait longer then 30 days for there money
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and legality of a collection account appearing on my credit report. The account details are as follows : Company : XXXXXXXX XXXX XXXX  Amount : {$1900.00} Opened : XX/XX/year> This collection account is in violation of multiple federal consumer protection laws and the Fair Credit Reporting Act ( FCRA ). For the reasons outlined below, I am requesting that this account be immediately and permanently blocked and removed from all of my credit reports. 

Violations of Consumer and FCRA Laws Failure to Validate the Debt : Under 15 USC 1692g ( Fair Debt Collection Practices Act ), the collection agency is required to validate the debt by providing evidence of its legitimacy, including a full accounting of the debt and proof of my obligation to pay. To date, XXXX XXXX XXXX has not provided any such validation. 

No Original Purchase Agreement Provided : The collection agency has failed to furnish the original purchase agreement between themselves and the original creditor, as required under federal and state laws. This lack of documentation invalidates their claim. 

No Proof of Licensing and Bonding in Michigan : XXXX XXXX XXXX has not provided proof of being licensed and bonded to collect debts in the state of Michigan, as required by state regulations. 

Failure to Notify and Provide Opportunity to Dispute : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( Consumer Financial Protection Bureau regulations ), I must be notified of the debt and given an opportunity to dispute it before adverse actions are taken. This step was not followed.

Violation of FCRA Reporting Standards : Credit bureaus are required under 15 USC 1681e ( b ) to ensure maximum possible accuracy of information. Reporting an account without proper validation and documentation fails to meet this standard. 

No Authority to Furnish Information : Under 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency must provide all required disclosures before reporting an account. XXXX XXXX XXXX has not demonstrated any authority to furnish this account.
Product: Checking or savings account

I received my paycheck funds into my account totaling to about XXXX dollars after receiving the funds my account was hacked into and the funds were removed via ATM using my debit card which I no longer had access to. I called the morning after the incident took place to see what actions could be taken and was advised to wait until transactions post before I was able to file formal dispute resolution. I was also advised by supervisor that once I did that I would receive a temporary credit in the amount of the dispute until it was resolved and I actually never received it. I explained to multiple employees the unfortunate situation I was faced with and was reassured that I would get my funds back. After the dispute was formally filed after only about 2 days I received notification that the claim was denied because they believed no error occurred even though I explained that my account was hacked into and my PIN code was changed and funds were removed fraudulently by hackers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to an Equifax data breach my personal identity was compromised and thus, stolen and use in a number of fraudulent ways. As a result, I have a large number of fraudulent accounts being negatively reported the three primary credit reporting agencies. I have done nearly everything in my power to have the information removed and/or corrected on my credit report. However, the big businesses ( XXXX, XXXX and Equifax ) have totally ignored the law as it relates to their responsibility to ensure that the federal laws are being followed when reporting consumers information. Much of what they are reporting on my behalf is either totally wrong, fraudulent or a violation of federal law that clearly indicate what can be reported and how it should be reported. After, numerous attempts to have the above agencies correct all that is in error on my credit report they have refused to follow the federal laws that govern how they do business. Thus, leaving me and my family in a unjust situation when it comes to living the XXXX XXXX. My request is that the credit agencies investigate as they should and not just return a response of account validated. Given the fact that once your identity has been stolen or compromised the individuals committing the fraud has all of your information. Therefore, the account may appear to be valid. However, if they do not validate my personal signature and present a signed contract, they have no way of truly validating the said information. Therefore, I humbly request that you assure that the credit reporting agencies are providing the fairest service that will ensure that my credit file is being report correctly without the said fraudulent information and ignorance of federal law. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First Access, I paid this account off in XX/XX/2023. My credit limit was {XXXX I paid {XXXX}, which included late fees. The creditor closed the account in XXXX. They said they would waive XXXX  in fees and interest. They However, I continue to be charged for XXXX, XXXX, and XXXX with interest and fees on this account. In XXXX all three credit bureaus marked First access as 30 days past due. I put in 5 request with XXXX, XXXX, XXXX to have this investigated for misinformation. Each time it comes back accurate. To get this matter resolved ASAP, I paid the XXXX} in XXXX. The creditor is still saying I owe on this account. The account was closed and I paid all the late charges and fees, but they continue to add on fees and late charges after the account is closed. This account continues to reflect 30 passed due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. XXXX  is also reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX2019- {$2600.00}. XXXX/2019- {$2600.00}. 
XXXX/2019XXXX 
Filed a Consolidation with XXXX  XXXX on XX/XX/2019. Information was shared without my Approval to another Company. Information was shared without my Approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the hospital for over a year due to XXXX. I lost everything inclusing my wife passing from covid. I contact all credit companies via calls, email, and letters. 
XXXX XXXX placed me diseased. All credit agencies show no credit for me. I cant even get a car. 
They said they can not help because its all Charged off and your dead. 
The credit companies Cant accept payments and if they did they would not help my credit. The credit agencies are no help what's so ever. 

Here 's a list of the creditors The last one listed took a payment and cleared but so up negative on credit report. 

Im XXXX XXXX XXXX, XXXX XXXX  XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Past due 150 days. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$6400.00} Status Account charged off. {$6400.00} written off. {$6400.00} past due as of XX/XX/XXXX. 
XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5300.00} Status Account charged off. {$5300.00} written off. {$5300.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX I Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX
Product: Prepaid card

Rushcard has not deposited my money for the second time last week they did n't do it I had to wait a day for my funds I was n't able to pay my bills at all. Also charging me for fees they never charged me for before
Product: Debt collection

XXXX XXXX are violating the statue of limitation law.XXXX XXXX XXXX are a third party debt collector agency who are trying to collect a balance of {$2600.00} for comenity capital bank that went over statute of limitations
Product: Vehicle loan or lease

Santanders Bank I have a car loan with this bank I have been paying XXXX dollars a month for this car loan the amount I thought of the loan was XXXX for total for vehicle then now it XXXX the car isnt worth that amount it way over the price of the vehicle worth! XXXX XXXX XXXX dont isnt even cost that much even new! I am so upset with this loan I am also upset that the loan amount is not going down and the payment being so high XXXX a month is what I pay to this bank! I have been paying this loan since XXXX isnt dropping the amount on the loan! Why? If there anything you can do I would appreciate it sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax said i need to present the names of what im disputing so here they are XXXX XXXX XX/XX/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  XX/XX/XXXX im protesting these because i need to see signature or firm offer of credit from these i took off XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX the rest i need proof
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2022, I sent a request to have my consumer reports from Innovis and XXXX sent to me via registered mail with tracking included with this request was a copy of my drivers license and social security card. I have yet to receive this information.
Product: Student loan

My XXXX student loans should have been canceled along with those effect by XXXX scams in 2017. I have emailed the Ohio AG XXXX XXXX how sent me to Consumer Financial Protection Bureau. I have mailed them my question have not heard back in over a month. I called multiple times to speak to an Aidvantage representative about my loans but have not been able to reach anyone at their XXXX number. I sit on hold for hours and never get through. I have emailed them my questions and no response. I have gone from XXXX scam company to Aidvantage scam company... Help! 

Very respectfully yours, XXXX XXXX XXXX
Product: Credit card or prepaid card

Spoke with Capital one on XX/XX/2018, XX/XX/2018 and XX/XX/2018. I have a fraud alert on my credit report, capital one has yet to contact me to verify the alert during a recent request in a credit limit increase. The credit limit increase was initiated and is pending a response since XX/XX/2018. Due to the nature of the situation, with a fraud alert, someone should of contacted me sooner. Instead i've made numerous attempts with no representatives to assist. This is negligent on capital one 's behalf, someone could be using my identity or possibly committing fraud in my name. And a week has passed without capital one verifying any information. This is irresponsible of capital one and unacceptable to consumers like myself.
Product: Vehicle loan or lease

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and the companies listed below ran unauthorized credit inquiries on me on. 
1. XXXX XXXX Date : XX/XX/2022 2. XXXX XXXX XXXX Date : XX/XX/2022 3. XXXX Date : XX/XX/2022 4. XXXX XXXX XXXX Date : XX/XX/2022 5. XXXX XXXX XXXX XXXX Date : XX/XX/2022 I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], 15 U.S Code 1681a-Definitions ; rules of construction U.S Code US Law LII / Legal Information Institute , 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information.

1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - Exclusions-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

There should be no charge for this report. In addition, as part of your investigation, please send the names, business addresses and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 
Sincerely,
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received an email from XXXX XXXX XXXX XXXX Inviting me to sign up for free credit bureau membership for four years. The email contained an activation code XXXX. I was to sign up on the web site " www.experianidworks.com/equifaxsettlement.. When I did so the website advised that the activation code was not valid. I then called the phone number XXXX and was told by an agent that the code was invalid and that she would try and get a valid code for me. After many long minutes the agent advised that they would have to phone it to me later. I never received that promised phone call. The next day I phoned the XXXX XXXX XXXX XXXX XXXX at XXXX. The agent again confirmed that my code was invalid and ( apparently ) attempted unsuccessfully to get me a valid code. Again after a long wait on the phone I was told that they would call me later. I never received that call either. It appears that I am getting a run around in hopes that I will give up my quest for a valid code
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Blocked inc ) due to inadequate Customer Service and unfair practice which violates consumers financial protection act ( CFPA ). Specifically cash app fail to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected Furthermore, there dispute resolution was unfair and deceptive as they did not comply with errors resolution requirement under the electronic funds transfer ACT ( EFTA ) and regulation E these actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

My payments for my XXXX XXXX XXXX are XXXX a month. In the month of XXXX I split the payment by paying XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. I received notice around XX/XX/XXXX that the finance company had not received a payment for XX/XX/XXXX. After showing them my bank statements to prove that I did pay and also pointing out that their own website has the 2 transactions that equaled my monthly payment they said they would look into the issue to see why the system wouldnt recognize my payment. I made my XXXX payment in one sum and yet again received a call ( XX/XX/XXXX ) starting I was 16 days past due. During that call I was told that I had missed my XXXX payment and that Exeter Finance believed I still owed for the month of XXXX.
Product: Debt collection

They sent me a bill on XX/XX/19. I tried to dispute some charges and they were not willing to work with me so I quite paying them. Now it's XX/XX/19 and they call me repeatedly and misrepresent themselves as lawyers and they are filing a lawsuit with me. Now they are calling my work and harassing my co-workers to speak to me @ work.