23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX, I had XXXX debit transactions for XXXX each. I inquired with XXXX via live chat that they billed me XXXX times for XXXX and didn't they find it suspicious. They told me somebody related to me had to have done it, and would not budge off that position no matter what I assured them of. The next day they emptied my account of my last {$20.00}, leaving me without the ability to purchase food. Being disabled myself with no income, this burden has fallen on my wife hurting our family any assistance is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown and unauthorized hard inquiry on XX/XX/2019 by JPMCB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Order granting Motion For Leave to Proceed in XXXX XXXX on XXXX XXXX XXXX, as shown on Docket Sheet Copy Included, for Trans Union complaint in process record, as well as XXXX complaint record. Full Case Number is : XXXX, as shown on Docket Sheet Copy attached.
Product: Checking or savings account

after the first CFPB complaint ... .they reopened my savings account back up. 
but then closed the checking account ending... XXXX, where the bank fraud occurred by chase foreign employees and possibly directed and coached by US chase bank employees years before .... they refused to send the military veterans direct deposit back to the US treasury. the chase bank get federal US treasury direct deposit warning notice every XXXX of the month. 

after the criminal complaints about the XXXX chase bank employees from the XXXX  and XXXX colluding to harrass and tempt to compromise my bank fraudulantly... proceed to further harrass me by blocking my checking account. 

most of the chase bank employee fraud occurred in this checking account ending... XXXX. 
i can not access the bank records and notes to provide as evidence. 

-- -branch manager from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... verbally only told me my account were closed on or about XXXX XXXX or XXXX CHASE BANK REFUSED TO RETURN THE DIRECT DEPOSIT BACK TO THE U.S. TREASURY AFTER THE BANK CLOSURE AROUND XX/XX/XXXX TO XXXX. 

there multiple conversations stated by the branch manager of XXXX XXXX chase bank XXXX  XXXX XXXX my account was closed from XXXX XXXX XXXX and by multiple chase employees. yet they refused to send a chase execustive secure messages of this letter and then chase bank employees stole my money... .and was told all deposits will be returned back to sender. but US treasury stated ... chase bank has taken the money and didnt rejecto r send the money back to the US treasury of the customers military veterans benefit payment. 

this is what happens when jobs goto foreign countries in which vital government / military financial information is handled and access by foreign countries. this is a dangerous prelude to XXXX activities and the comprising of former government / military financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX acct # XXXX, XXXX Acct XXXX XXXX, and XXXX XXXX  acct XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Mortgage

Loan was purchase from XXXX to SPS. XXXX did forward over the payment for XXXX and my account was double deducted. I have asked for a refund but that is said to take 7-10 business days by SPS which will cause my account to over draft.
Product: Credit card or prepaid card

I have a closed credit card with Citibank that I have been paying down for a couple of years but still have a balance due. I went to login tonight to make a payment like I have been doing faithfully monthly for years but forgot my password. I went to select reset password but it requires your credit card # to reset. Since my account is closed, I don't have the card and I have been paperless for years too so I have no way to get to the card #. I started a chat for assistance in resetting my password and they couldn't help since I didn't have my card # so they referred me to call a toll free number which again, required me to enter the last 4 digits of my card # I finally got a representative. That number routed me not to tech support but to a call center where an attendant proceeded to tell me that without a card # they can't reset my password and the only way I can make a payment now is through the mail or over the phone with my SSN. I asked if I mailed, how they could apply the payment if I couldn't reference an account # to which he said, they would not be able to assure me it would be applied. He offered no other solutions. I had no choice but to give my SSN to ensure my payment was posted before the due date. He then had me validate my name, address, security question answer, and name of the bank I make my payments from but still would not provide me with the Citibank account # so I could just reset the password. He told me if my account was closed that I had " limited access '' to services and that it was " regulations. '' Admittedly I was pretty irrate with the rep. ( he was professional throughout ). Why would any financial institution make it difficult for someone to pay them? I feel very uncomfortable having been forced to give all of my PII over the phone. I did advise him they were required to start sending me paper statements - that option was not offered to me and I have little confidence that I will start receiving statements and concern that I just gave all of that info. to a stranger.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$25000.00} DEPTEDXXXX XXXX {$5900.00} DEPTEDXXXX XXXX {$12000.00} US DEP ED XXXX {$18000.00} XXXX XXXX XXXX {$3900.00} XXXX/XXXX XXXX {$8200.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$5100.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$1400.00} XXXX XXXX {$5000.00} XXXX XXXX {$5500.00} XXXX, XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$44000.00} DEPTEDXXXX   XXXX {$2000.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$8500.00} XXXX   XXXX XXXX {$4200.00} XXXX XXXX  XXXX {$4900.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$3800.00} US DEP ED XXXX {$15000.00} US DEP ED XXXX {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix my credit due to fraud and keep having issues with someone trying to use my identity to apply for credit cards. 

I have new inquiries that were not made by me. 

Transunion- XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX. 

XXXX  - XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, and XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

XXXX from J Ritter Law Firm keeps calling me claiming to be a debt collector, asking me to pay a debt allegedly from my old university bookstore. They sent me a letter months ago ( XXXX of XXXX, I think ). When I didnt respond in writing, they started calling me ( sometime in XXXX XXXX XXXX  ). I know I dont owe this debt. When I ran my credit and the debt did not show up on my credit report, I was finally sure J Ritter was a scam. Theyve called saying I have a case against me, mentioned appearing in court. I called my university bookstore today. The bookstore staff agreed that J Ritter sounds suspicious. Further, the dates of these letters and phone calls dont line up with my time at the university over a year after leaving the school. 

To date, Ive received no notice from the university or its bookstore about any debt owed/missing book. I didnt give XXXX any personal info, just confirmed that they can call me back at the number they keep calling. Told them I would confirm the debt with my school first, just to be sure. XXXX said he would call me again if he doesnt hear from me by the end of the week. This is obviously a scam, but I dont know what good it will do to tell them, Youre a scammer. Dont call here again.
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. 

Account Name : XXXX XXXX XXXX, Account Number # 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 : 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Debt collection

Since XXXX 2015, I have been working very hard to improve my credit reports and pay old debts to better my financial future. I was able to get all negative information off of my XXXX credit report until Debt Recovery Solutions reported a {$190.00} collection without my prior knowledge. This debt is 3 years old and has never been reported to any of the credit bureaus previously. I did not know I owed the debt until I saw this negative entry on my credit report. I was never notified of this collection account by mail or any other way nor was I given a chance to pay the debt in order to avoid the reporting of the collection account to XXXX. Had I been notified of the collection, I would have gladly paid it but was never given that opportunity. I also have not received anything from DRS since their reporting to XXXX.
Product: Checking or savings account

Please reference attached... 

I filed a Complaint and Request for Chargeback on XX/XX/22 using the Wells Fargo.com Dispute/Claim Form . Since the form represents the bank 's capture document for Dispute/Claims processing, I assumed it holistic in both design and nature. 

I also took the liberty of mailing hard copies of the supporting documents referenced in subject Dispute/Claim the same day. Given the source and irrefutable nature of the supporting documentation provided in support of the Dispute/Claim, resolving the claim should have been a 'slam dunk '. Yet, it has now been outstanding for nearly 40 days. 

Although I took the liberty of following up w/ the bank in writing regarding the Dispute/Claim on XX/XX/22, the claim remains outstanding to date.
Product: Debt collection

Hello, I never received any written notification that I had a collector debt from US Collections West from a Property called XXXX XXXX XXXX. I did not find out I had a debt until I checked my credit report. I have called this company and spoke to a collector that handled my case to request documents that show proof this is indeed a debt of mine. This person stated he would and has never sent me anything. I have even provided an updated address. I waited called again several times with no success. I have called and left multiple messages as well. Proper letters have been mailed to this company as well which have now gone over 60 days with no letter responses or calls. First call was made on XX/XX/2018, two calls to US Collections West was made back on XX/XX/2018 and then again on XX/XX/2018 requesting proof that this is indeed a debt owed to myself. They are currently stating I owe about {$3600.00} in which that was the amount written off to them from the property per a lease agreement, however they are refusing to send me the documents that shows me this proof. I do not agree with this debt, I do not believe I owe this debt.
Product: Credit reporting or other personal consumer reports

I had a charge of still reporting on my credit. 
I had a misinformation on my credit report I disputed it and its coming back verified as correct. The statute of limitations has already past the 7 yr mark and the debt remains on my credit report. I need you to remove any negative items on my credit report immediately.
Product: Mortgage

I attempted to pay my mortgage to Bank of America in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX when I called to pay mortgage I received a message stating that my Bank of America Mortgage Account was closed. When I followed up with Bank of America Home Mortgage I was told that my account had been sold to XXXX XXXX. I received no notification from Bank of America about the transfer of my mortgage. I have now received a Foreclosure letter from Bank of America and a call from XXXX XXXX company informing me that I owe them two months of mortgage payment. I have not received anything from XXXX XXXX stating if the interest rate and payment I had with Bank of America remains effective. I have also not received any formal information from XXXX XXXX regarding the terms of my mortgage. I am apprehensive to pay Bank of America and XXXX XXXX because I don't know who I should pay and concerned that one of these companies ( Bank of America ) is trying to rip me off for thousands of dollars that I can not afford to duplicate to another mortgage company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act credit acceptance account number XXXX has violated my rights. 15 U.S.C 1681 section 602A. i have rights to privacy. 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), and XXXX XXXX ( XX/XX/2021 ) were not authorized by me. I do not recognize these accounts/inquiries, and they are fraudulent.
Product: Credit card

Originally, Discover bank was sent a demand for validation of debt, and demand for settlement for their violations under the TCPA, and UDAP. The company failed to provide the required and properly requested, and legally applicable information to validate the debt claimed. Their failure precludes them under the supporting laws, from any further reporting, collection, or litigation. 

The company has a practice of falsely and deceptively contacting account holders in an effort to collect a claimed debt, and do so in a manner of deception that violates public policies and the laws in place to prevent these type of illegal collection activities I have been in contact with their attorney, to which he has stopped communicating when he was presented with the evidence that support my claims, and condemning their actions. 

They have also violated the Telecommunications protection act and acknowledge the demand for validation as they recognize and ask me to waive my rights as they pertain to cease and desist from contact other than U.S. postal service.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

The company doing business as California Business Bureau is harassing me about paying a debt that is beyond the statute of limitations to collect a debt in California. The debt in question is more than 4 years old. They keep sending bills and I have sent multiple letters to dispute these accounts but to no avail. Please intervene so this harassment stops. Also some of the accounts are past 7 seven years old and should not be reporting in my credit reports any longer. This is causing me financial and mental stress.
Product: Checking or savings account

I finally won my Social Security XXXX case that started in XXXX. At that time I called Social Security XXXX in XXXX, WA to change my account to my new banking account or should I say an account that was opened over a year ago with XXXX XXXX XXXX XXXX. I had thought they changed it, but as usual, someone " dropped the ball '' and I had to go into the SS XXXX and change the account in person, which was XX/XX/XXXX. In the meantime, SS had explained the money was returned back to them. I ended up having to file a congressional with XXXX XXXX XXXX 's office because they have still been stalling on making the changes. HOWEVER, at no point was I told by the Social Security XXXX NOR USAA that XXXX DEPOSIT had made it through to a USAA CLOSED SAVINGS ACCOUNT. The original deposit was to be made in early XXXX for {$2300.00} minus XXXX payments for XXXX. I received a envelope dated XX/XX/XXXX from USAA. I had no idea why they would be contacting me because BOTH checking and savings accounts had been closed XX/XX/XXXX. It was a check for the amount of {$2300.00}. It indicated it was for a credit. A credit for what I have no idea. I have a different definition for a credit versus a deposit. So, USAA sat on this money until they sent the check. It was to be cashed Promptly. I took copies of the letter and attached check before cashing it. I received a letter from the Social Security XXXX XXXX XX/XX/XXXX stating the same amount USAA sent me was returned to them by USAA. I have no idea what USAA was thinking, but they are a huge part of the problem now and why I filed the XXXX. I sent this information to XXXX XXXX 's office to add to the paperwork for the XXXX. Once I faxed it, XXXX XXXX, XXXX XXXX Representative for XXXX XXXX, sent me the information about the new federal law and suggested I file this complaint. I am tired of government agencies and Banks taking advantage of us " little '' people. I am a combat Veteran who served a total of 20 years and 22 days of XXXX XXXX and this type of deception really does not set well with me. If they had just returned that money when it came to a CLOSE ACCOUNT, I probably would not be filing this complaint. I have spread the word about these deceptive type of practices.
Product: Student loan

RE : PREDATORY LENDING COMPLAINT To Whom It May Concern : I am writing to file a complaint against ECMC because of their predatory lending practices. I mailed out two certified letters, the first letter was a debt validation letter via cert number : XXXX XXXX XXXX XXXX XXXX and the second letter titled Notice of Estoppel via cert number : XXXX XXXX XXXX XXXX XXXX. ( Please see attachments A & B ). I  started my credit restoration with a Certified Credit Counselor in XX/XX/2018, come to find out that I have a total of 6 collection agencies trying to collect on the same school loan from XXXX XXXX. Out of ignorance, I was forced to make payments to one agency titled XXXX XXXX that collected from my weekly paycheck. This withdraw from my paycheck has caused me a real hardship, having no choice to make payments or I couldnt stay employed. I too mailed out a debt validation letter via mail cert : XXXX XXXX XXXX XXXX XXXX to XXXX XXXX and the second letter titled Notice of Estoppel via cert # XXXX XXXX XXXX XXXX XXXX ; they finally stopped collecting after my second letter of almost 5 months of paid payments collecting {$1100.00} ( See Attachment C and D ). I went through the proper channels by asking Human Resources to provide me the Order for payments. You will see that ECMC is mentioned  within the order from XXXX XXXX, ( See Attachment E ). It clearly states that XXXX XXXX is the assistant company to collect on the debt for ECMC with a new loan number. ECMC created TWO loan numbers, trying to collect on two payments on ONE loan owed to XXXX XXXX. It was never announced to me that ECMC and XXXX XXXX are working as a brother company collecting on the same debt ; separately. XXXX XXXX is announced as a referred company assisting ECMC to collect debt. ECMC is now announcing the same attempt to collect payments dated XX/XX/XXXX from my paycheck ; without answering any of my  questions or concerns from my letter ( s ) ( See Attachment F ). Since ECMC can not produce any information or material to validate that I rightfully owe them the debt, responding back with frivolous letters ( See Attachment G ). They are now maliciously going after my income yet AGAIN but this time under ECMC directly, not mentioning that their referred company XXXX XXXX collected any payments in the past 5 months. Lastly, I mailed copies of all my communication with the creditors ( ECMC and XXXX XXXX to all three credit bureaus. 

I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices.
Product: Debt collection

I need verification that this debt is valid and that they are licensed to collect debts in my state.