23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan was reported charged off in XX/XX/XXXX after I reported the car was in an accident and a total loss in XX/XX/XXXX they refused to hold the account for the total loss settlement that they were going to receive when I notified them in XXXX and charged interest which is the against the law as the law states finance charges and payments cease when the vehicle has been deemed a loss and is expecting a large settlement to pay the principal balance. They charged interest until they got the settlement in XX/XX/XXXX which was made at their request for tax purposes due to the fact they could claim the charged off balance as a tax liability reduction or offset for XXXX and then gain the settlement as pure profit the following year when they received it. During the relationship XXXX denied my request when negotiating the contract to purchase gap insurance to protect the asset I was not able to gain the ability protect myself from a loss because of this decision and because of it could not gain the money I put down on the car back from XXXX XXXX XXXX I requested during the loss.I endured a loss and because of XXXX financial decision not to approve and deny the purchase of guaranteed asset protection that would have protected me from financial loss during the loss of the vehicle. XXXX also disclosed at the neogiation of the contract that they would purchase services to protect themselves in the situation of a loss of the vehicle or loan. They did not give me benefits from the services they purchased and geared the contract for me to incurr financial ruin because they stipulated that I would not be able to protect myself from a loss under the contract and not afford me benefits that I have a right too for services that they purchase of insurance that they are required to have for funding this loan to incurr and guarantee that I would be in financial ruin during a loss of the vehicle because they behaved in a predatory manner to not enable me to gain benefits that are required to be afforded to me or services that I could purchase to protect myself from a loss under the contract provided. In addition the interest rate for the loan was 27 percent, others in my credit range are provided loans at rate 12 percent less than I was charged. I do in fact believe that I was discriminated and a loss was staged by several parties involved in the act because of their predatory behavior that immobilized my life because of the event of loss that occurred in XX/XX/XXXX. I have reason to believe that there many parties were involved in creating a loss of thousands of dollars and the immobilization of my life to move freely and forward confined me to loss of employment and poverty. There were no rights or protections courtesy proper services provided by anyone including the dealer the lender the insurance company and other parties trying to profit through victimizing me by forcing me to incurr a loss that financially and lifewise immobilized and ruined me for years to come.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased motorcycle fairings from ebay from a vendor with multiple positive reviews. When I received the fairings I attempted to install them only to find out the fairings did not fit the motorcycle. 

I called the vendor to notify them of the issue and after exchanging several pictures of the misalignment they offered a {$20.00} credit or I could ship them back to an address in XXXX for a full refund. 

Shipping back to the address they requested would cost twice the original purchase amount of {$570.00}. 

I asked to return to the origin address shown on the box the fairings arrived in, a California address, only to be told that I had to ship to XXXX. 

I opened a dispute with Pay pal credit and presented the pictures of the defective fit, the communication between myself and the vendor, as well as the cost to ship to their requested return address. Paypal credit denied my dispute 3 times stating the vendor is willing to accept the return and I have to follow their rules. 

This is a scam. How is this not treated as fraud when a vendor is shipping misrepresented merchandise and then forcing the customer to accept the item without a reasonable return option?
Product: Credit card or prepaid card

On XX/XX/XXXX I submitted two applications with Chase Bank for XXXX branded credit cards. ( One business, one personal ). 
I read the terms and conditions which included XXXX XXXX points for as a welcome bonus for each card. After submitting the applications I received an email stating that my applications had been received. Chase then changed the terms and conditions and claimed that I did not meet the new terms and conditions for the welcome bonus. They suggested I submit proof showing my application was submitted on XX/XX/XXXX which I did ( I sent the emails I recieved from Chase with time stamps ). Chase then claimed my application came in over 24 hours later and says they have no record, and can not pull up the emails in question. They have advised me that I can get the cards without the welcome bonus. 
This is bait and switch and an unfair business practice. 

XX/XX/XXXX Submitted application First week of XXXX - called customer service twice XX/XX/XXXX Submitted proof of application date and time. Was told I would be contacted within 7 business days XX/XX/XXXX No response so I submitted another message asking when I would be contacted. Recieved another message saying I would be contacted in 7 business days XXXX Received message to call customer service XXXX Talked with customer service. Call escalated. Was told I would receive a call back. 
XXXX Received call. No resolution so call was was escalated. Told I'd receive call in 24-48 hours XXXX missed call from Chase. Called back immediately. Supervisor could not talk. 
XXXX spoke with Chase. Said they'd look into it an respond in 24-48 hours. 
XX/XX/XXXX Final call from Chase. No resolution offered. Claims there is no way to look up emails that were sent to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number XXXX I just received my credit report, I noticed you are reporting this account incorrectly. This late payment reporting not Only as PAID OR PAYING AS AGREED, but it also shows on my EXPERIAN ACCOUNT, that the following it states that XXXX and XXXX we're paid on time But however when I took a look on my XXXX ACCOUNT it shows that XXXX, XXXX, XXXX, XXXX were paid on time now if you look at my EXPERIAN ACCOUNT its show that I was late XXXX AND XXXX now that's false. According to the FCRA I have the right to an accurate credit report. Please remove this account from my credit report immediately from my credit report .Please provide me a copy of my new credit report reflecting this account removed upon completing
Product: Debt collection

XXXX XXXX XXXX XXXX continues to report a medical debt in the amount of {$62.00} that was paid by my insurance provider. XXXX XXXX purchased this " debt '' from XXXX XXXX XXXX. XXXX XXXX XXXX no longer has any information on this alleged debt. Their number is XXXX. XXXX XXXX XXXX is reporting that this alleged debt has been delinquent since XXXX. That is not true as XXXX is the date that we were serviced. I spoke with XXXX at XXXX on XX/XX/29 who stated that she could see that something happened to my son 's arm and demanded that I pay the debt. My son is a minor and she should not be able to just spread that information regarding what he was seen for. Her supervisor XXXX XXXX. He will not return my emails. The information that XXXX blurted out is a HIPAA violation. Further, XXXX XXXX began collection only 120 days after the bill was paid by my insurance provider. This is a violation of the NCAP settlement agreement. Per the NCAP policy collection agencies are supposed to allow 180 days from the date of delinquency to pass before attempting to collect on a debt.The 180 days is to allow the insured and the insurance provider to ensure that the medical bill has been paid correctly and to sort out any issues of coding error, policy error, administrative errors, etc.The payments regarding this service were made in separate check increments. Attempting to collect additional money on this claim is a violation of the FDCPA. XXXX XXXX keeps verifying that this is a valid debt with XXXX only in an attempt to collect on it. Both XXXX XXXX XXXX XXXX XXXX XXXX XXXX are located at XXXX XXXX XXXX XXXX, TX XXXX. Please find attached a copy of the balance sheet provided to me by XXXX XXXX XXXX XXXX that proves that the services were paid and the date that the claims were paid electronically to the providers.
Product: Debt collection

National Credit Management a/k/a National Collection Systems , Inc. ( hereinafter called, " Collection Agency '' ) did not provide me with a debt validation letter and itemized statement of account in regards to the purported indebtedness any time in history. 

I have written the collection agency on five separate occasions disputing the validity of the debt and each time therein for the collection agency to provide me with a debt validation letter and itemized statement of account for the purported indebtedness to no avail.

The collection agency has intentionally failed to follow the legal procedures outlined in the FDCPA and FCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TranUnion a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/XXXX. I have yet to receive any response back in regards to the matter. The following accounts follow : 1. The following account is not mine XXXX 2 . The following account is not mine XXXX 3 . The following account is not mine XXXX XXXX 4. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/XXXX 5. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/XXXX A 30 day demand to comply was also sent to TransUnion as well, which they failed to adhere to.
Product: Credit card

Wells Fargo customer. I have two credit cards on my account that I do not recognize. 
I discovered information on my XXXX credit report.
Product: Money transfer, virtual currency, or money service

I BOUGTH A MONEYORDEN ON XXXX, # XXXX. The company that I send the moneyorden returted because the funds on this moneyorden are froze. Also this situation caused me {$35.00} for late fess and {$35.00} for returned check. I feel that this company sigue robed me.
Product: Credit reporting or other personal consumer reports

I am writing to demand removal of a series of inaccuracies and Rights Violations Transunion, XXXX, XXXX and any other 3rd party agency, i am writing to demand removal of a series of inaccuracies and Rights Violations from my report. this is a violation of 15 usc 1681 ( a ) 4 and my right to privacy, will be forced to notify the CFPB and FTC of violations of both my rights as a consumer and your obligations as a consumer reporting agency. require 1000 per day if this reporting continues. 15 USC 1681a ( 2 ) a ( i ) clearly states transactions are to be excluded from the report. I would like all further reports to reflect this. I have no contract with Transunion, XXXX nor XXXX and ANY sharing of my private information, my non public personal information, my financial information, medical information is a violation of not only the FCRA but also HIPPA, GLBA.
Product: Credit reporting or other personal consumer reports

Im contacting you regarding the recent investigation findings. I disagree with the conclusions and demand complete accuracy. I am not satisfied with the efforts made to contact the creditors/agencies responsible for the information on my report. I request further information on the following accounts : XXXX XXXX XXXX Balance : {$74.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$25.00} ; XXXX XXXX XXXX  Balance : - ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX  Balance : {$110.00}. As per the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I request a reinvestigation and update of these disputed accounts. Provide the names and addresses of the individuals contacted during this process. You have fifteen ( 15 ) days from receipt to complete these actions unless informed otherwise. Failure to verify within this timeframe constitutes non-verification, necessitating prompt updating of the accounts as per Section 1681i ( a ). In accordance with 15 U.S.C. Section 1681i ( d ), notify me once the accounts have been updated. Provide an updated copy of my credit report following this resolution.
Product: Debt collection

XX/XX/2018 i contacted THIS THIRD PARTY COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THE ORIGINAL CREDITOR IS Original Creditor Name XXXX XXXX XXXX ADVISED THEM ONCE ITS SOLD ITS WRITING OFF THEY ARE TRYING TO COLLECT ON A OLD CLOSED ACCOUNT ONCE IT WAS SOLD THIS IS A NEW CONTRACT THAT I NEVER SAW NOR CONSENTED TOO BUT HAS BEEN DONE ILLEGALLY ars in reference to two accounts being reported as bad debt..i first asked them to furnish me with the original application showing my signature..Rep said she didn't have to SHOW that i told her according to fdcpa A debt has to be proven BY SIGNED CONTRACT BEING PRODUCED she said their is no such thing ... 2nd i asked when did i come to agreement with XXXX  to have access to my XXXX records AND ALSO I TOLD HER THIS COMPANY HAS VIOLATED MY HIPPA RIGHTS GAINED ILLEGAL ACCESS TO MY PERSONAL MEDICAL RECORDS I ADVISED THEY NEED TO REMOVE THESE 2 ACCOUNTS FROM ALL THREE OF MY CREDIT BUREUAS SHE STATED IT WILL STAY ON MY CREDIT AND DAMAGE IT..i advised her i need proof of such occurrence..she placed me on hold..a supervisor got on the line stating if debt was not paid they could garnish my wages even sue me i asked for this in writing they disconnected the call.. I called back another representative came on the line and immediately said we refuse to talk to you and disconnected
Product: Credit card

I paid off my credit card on XXXX XXXX of XXXX, on XX/XX/2024 a hacker was able to get my card number and max my card out. I noticed the charges the evening of XX/XX/2024 and call the credit card company Concora about my Milestone Mastercard and no one was available to talk to so I froze the card through the automated system. The following morning on XX/XX/2024 I called Concora to report my findings and they told me they would investigate and follow up by mail within XXXX XXXX. XXXX XXXX later only XXXX charge has been reversed and XXXX XXXXeing prompted to make a payment on XX/XX/XXXX for charges that I did not authorize. I called Concora again today and they say there is no active investigation and they can start a new investigation which will take XXXXXXXX XXXX. This is unacceptable, my credit score has decreased due to having a maxed out card all with fraudulent charges that I did not charge. When these charges were pending, they easily could have disputed and reversed them. Why am o still waiting for action to be taken XXXX XXXX later.
Product: Debt collection

I wrote to XXXX XXXX of Stuart Lippman Associates of XXXX on XXXX XXXX, XXXX to protest the extortive demands of their client, XXXX XXXX XXXX or XXXX : Under the provisions of Massachusetts General Laws, Chapter 93A, Section 9, The Consumer Protection Act, I am writing to request relief as outlined in that statute. 
On or about XXXX XXXX, XXXX, the following unfair or deceptive act ( s ) or practice ( s ) occurred : Your debt collection entity called Stuart-Lippman and Associates , Inc. ( SLA ) purchased an unsubstantiated debt file from XXXX XXXX XXXX XXXX with the intent of making a modest profit on fabricated claims. To clarify : my brief and indirect connection to XXXX XXXX ended when the group leader left after less than a year and disbanded our team. I left XXXX shortly afterwards and I have had no further communications them. The bill of attainder that SLA forwarded is pure fabrication. I never had an office at XXXX XXXX, never used the telephone, never had a voicemail box ; I didnt use the XXXX, or the fax. I paid for my own health insurance and my registrations/licenses, so I am not only puzzled but annoyed that I am being charged for alleged services that I never received and then hounded by your extortionist claims. The form letter that your entity, SLA, sent to me refers to a commercial debt and warns that you will pierce the corporate veil of my non-existent company. Clearly, your entity has confused me with someone else. There is no company, no corporate veil, and no debt. 
I can depose the former team leader of our small group to confirm that we met no more than XXXX times in XXXX. We explicitly chose to not rent overpriced and unused space there ; we all used home offices. It is remarkable how barren the support from that firm was to assist our team in business development. In addition to the total absence of office amenities, there was no marketing support, no lead lists generated, no outbound calling, and no clerical support. 
I believe that your practices are declared unlawful by Section 2 of Chapter 93A, which declares unfair methods of competition and unfair or deceptive acts or practices in the conduct of any trade or commerce unlawful. I hold you and your entity accountable for threatening me with legal action, with damaging my credit, and with regulatory action. 

Given the nature of my work, your entitys threat to damage my credit and to lodge a regulatory complaint that is based on blatant lies undermines my ability to pursue my professional career in financial advising. 

This letter serves as my request for the following relief : XXXX. Under the provisions of Section 9 Chapter 93A, I am providing you with the opportunity to make a written offer of settlement of this claim within 30 days. If you fail to make a good faith offer of settlement in response to this request, and I institute legal action, a court may award me double or triple damages, attorneys fees and costs if the court finds in my favor.
Product: Debt collection

I have medical bills debt that are not mine i have called letting this not mine. i have medical insurance they took my information and never return my call the debt still shows in my person credit. 

the company is XXXX XXXX XXXX XXXX created XXXX XXXX 2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX
Product: Debt collection

Me and the apartment complex I lived in while in college had a disagreement about me having a XXXX XXXX XXXX XXXXold to me by XXXX XXXXXXXX XXXX  department. It was serious enough that they gave them XXXX  days to fix it. Since then I started to be XXXX. The place never kept a XXXX while I was a tenant. Most correspondence was through emails which I still have from XXXX 2018. 
XXXX  XXXX came in when my lease was up and went about things the wrong way of cleaning up the complex. Tried to track on extra fees and charged almost a month after I moved out. I disagreed from the beginning and was threatened with balance bring place in credit report.
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint BK OF AMER about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting

I am addressing a Public Record Information on my credit profiles that I feel is inaccurate in its filing. I did not follow through with completion of any action with the Federal Court. It is my understanding that " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization. As an American consumer I have the right to know WHO and HOW someone is verifying information that is holding my identity and credit under " HOSTAGE '' for 10 years. As a Federal Government entity, the Bankruptcy Court has confirmed that they did not verify or report to any agencies. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
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 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: Checking or savings account

I am filing a complaint with CFPB regarding Capital ones failure to deposit my direct deposit from my employer and other incoming depsits. Capital One has citied technical issues, which may violate The Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about it consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Checking or savings account

Hi Im filing a complaint with td bank I received two overdraft fees labeled something else on same day the account went negative even though brought process I advised them this is only bank that does this and what gets me is it isnt even labeled as overdraft when I look I was told this I also made another transfer instant transfer always been instant in my account unless account is negative its almost like their playing the cards to charge you these fees I spoke with rep after rep with no success on even listening to what the guidelines and procedures for overdraft is I was only told oh thats how it will be next month I would like this looked into cause I feel they are doing some shady business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My account was negative {$40.00} on XX/XX/XXXX. I made a cash deposit at an ATM that evening at XXXX of {$41.00}. The account was positive XXXX  cent. On XX/XX/ I also recieved a direct deposit in the amount of {$370.00}. The bank charged me {$180.00} in fees and stated my deposit of {$41.00} didnt apply until the XXXX of XXXX not XX/XX/XXXX. I brought in the receipt of the deposit from the ATM which clearly stated the deposit had been made onXX/XX/XXXX. The bank refused to credit the overdraft fees.