23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I purchased a vehicle on XX/XX/2023 from J.D. Byrider. The next day XX/XX/2023, I started to experience issues with the car while driving. I heard loud sounds so I reach out to XXXX and let her know the issues the issues that I was having with the car. They had me to bring the car back to them on XX/XX/XXXX so that they could run a diagnostic check. They told me that they needed to order part to fix the car and to bring it back in once the part was in. On XX/XX/XXXX, I dropped off the car to them to make the repair. About XXXX hours later, they called me and told me that the car had been fixed. I picked up the car that day and later that evening the sounds started again. Let them know that the car was doing the same thing. On XX/XX/XXXX, the car started running hot. I reached out to them and told them that I would like my money back because this car is a " lemon ''. They told me that I could not get my money back so I asked to placed in a different vehicle and again they told me that they could not do that either. They kept the car over 7 days and said that the car was fixed again but I heard the sounds again. They stated that they could not hear the sounds, although the sounds were obvious, so they didn't know how to fix the car. They stated that they would like to cancel the deal. I dropped off the car. On XX/XX/XXXX, I returned the car to them. I was told that since I disputed the down payment, I had to pay or they won't fix the car. The XXXX was adamant about not fixing the car or giving my down payment back. On XX/XX/XXXX, I received my down payment back from my dispute however a repossession was placed on my credit report. I question them about why they put a repossession on my credit and they stated that since I abandoned the vehicle it becomes a repossession although the vehicle was in their possession for repairs.
Product: Vehicle loan or lease

This company uses harassing tactics to obtain payment. They call repeatedly during the day. They have called me in excess of 8 times on a sunday. They even harass on holidays. They agreed to change my due date for my repayment schedule and it was never adjusted. The company stated they only extended a courtesy for that time being. Which was completely false. An associate clearly asked me was there a better day throughout the month that would be easier for me to make my payment. I replied yes. We both agreed on the XXXX of the month. When I brought this up on one of their numerous harassing phone conversations they refused to pull this particular call and I was told that was only a one time courtesy, which was false. They called me 6 times on the XX/XX/22. I receive up to an excess of XXXX calls from them daily and these calls begin on the XXXX of the month before what would normally be considered close of business, XXXX pm and continue every single day until payment is made. They wont even give it XXXX hours after payment is due to begin to call. This is causing undue stress and Im in the process of obtaining legal representation to stop this harassment.
Product: Checking or savings account

As stated before my identity and various things were taken XXXX XXXX since then there has been many unauthorized withdrawals made on my account. I've gotten a new card and reported the events to the bank and I haven't been compensated for any of them. I've just given up on the possibility that someone would be kind enough to hear me and help me. I use the direct express bank card to recieve my SSI and XXXX checks. I'm on a fixed income I can't afford to keep letting people take my money. Due to my circumstances I'm not able to call or even attempted to try. My calls are XXXX and I'm exhausted
Product: Debt collection

Midland Credit Management Inc. ( MCM ) notified me in XX/XX/XXXX that they were trying to collect an outstanding balance from my account with XXXX account for the amount of {$1800.00}. MCM informed me that the address on the XXXX card application was 15005 N.E. 6th Ave., # XXXXXXXX, FL XXXX. Thereafter, the credit card statements were sent to XXXX XXXX., XXXX, PA XXXX. I have sent MCM XXXX written dispute letters, with evidence, stating that ( XXXX ) I have never lived in Florida nor visited Florida anytime in XX/XX/XXXX or thereafter and, ( XXXX ) I have not resided at XXXX in XXXX. I previously lived at a different XXXX address but moved to my new home towards the end of XX/XX/XXXX. I also filed a police complaint with the XXXX Police XXXX. on XX/XX/XXXX to report this identity theft and issue with the XXXX. Since the police report was incomplete, the XXXX police department, is investigating this case again and helping me resolve the issue. Additionally, I have reported the disputed credit card balance and placed fraud alerts with the XXXX credit card reporting agencies. On XX/XX/XXXX, I again renewed my fraud alerts with the credit reporting agencies. 
Despite my letters and evidence I provided MCM, their XXXX Department alleges that they have not received any written communication from me disputing the outstanding credit card balance in my name. Note : MCM 's legal dept. also informed me that they have not received any of my disputed reports from the credit card balance from the credit reporting companies. Subsequently, they have subpoenaed my to appear before the XXXX on XX/XX/XXXX to contest the claim. 
Upon receipt of the subpoena, I called MCM 's legal department and its Consumer Support Services ( CSS ). MCM 's XXXX informed me that received reports of my dispute for the outstanding credit card balance from the credit bureaus on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX also notified me that they have received my written dispute letters contesting the MCM claim. 
I had previously provided them proof of my previous and current address, records from XXXX city hall to show that I was not an owner of the XXXX address. I also sent them a copy of the police report. However, MCM has been harassing me and refuting receipt of any information from me. To ensure MCM 's receipt of this information, I will be sending them all mentioned proofs again, together with an FTC report. Please investigate MCM and advise any further actions
Product: Credit reporting or other personal consumer reports

I recently reviewed my Experian credit report and I noticed there were inquiries that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact on my credit report
Product: Student loan

I was not clearly explained the interest and the details on the forbearance. I was given bad information about my loan repayment and was told that it could not be consolidated and that the interest rates would continue and that i did not have to make any payments. I was not told correct information about my loan.
Product: Vehicle loan or lease

They are calling excessively- a minimum of five times daily. I have spoken to them and told them to call the primary person on the loan to discuss the late payments ( I am the cosigner ). They say they will, but then I will receive further calls from them that same day asking the same questions repeatedly. The people on the other end of the phone are rude, harassing, unreasonable, and persistent. I would like the phone calls to stop.
Product: Checking or savings account

I have been a customer with Citizen 's bank for some time now ( XXXX yrs ). Over the course of time I have found their ATM check deposit service dismal. On XXXX occasions the check was either destroyed in the ATM or the ATM completely shut down losing the check inside. This occurred for the third time at the Reading, XXXX  brank yesterday ( Sunday ) XX/XX/year> around XXXX XXXX XXXX XXXX. I entered my card and then the check to be deposited and the machine went into complete shut down mode. I called the number on the back of my ATM card and spoke with the representative who offered no solution other than to return to to the bank the following day to resolve the issue. I asked what would happen to the check that was stuck inside the ATM and there was no other guidance than to call the issuer and request a stop payment. After completing the call with the Citizen 's representative I called XXXX XXXX, the issuer to the check, to request a stop payment and reissue of the check. The XXXX XXXX representative also suggested I contact the Citizen 's branch the following day to let them know if the check is found it should be destryoed. 

Today, Monday ( XX/XX/year> ) I called the Citizen Branch in Reading, MA and spoke with the XXXX - XXXX. It was after XXXX calls and the phone ringing almost XXXX times that my call was answered. XXXX was very unpleasant and would not listen to my issue only claiming that the Citizen 's representative provided inaccurate information and and 'incident report ' should have been filed so that when the bank staff came in to the branch today they would help resolve the issue. I tried to explain the reason for my call was to inform her that, should the check be located, it should be destroyed. She was speaking over me and not listening and I needed to elevate my voice to which she said I was " yelling at her and the entire bank could hear me ''. I then explained that due to the poor service I have received over time, as well as her inability to listen to my concern, I plan to end my relationship with Citizen 's bank to which her reply was that she will proactively help to close my accounts.

I finally called the Citizen 's help number ( XXXX ) after speaking with XXXX to escalate my concern to a XXXX named XXXX who listened and offered an apology.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX I call Chase Bank 's customer service line to ask about an incoming international wire transfer. The representative said I would only be charged {$15.00} by Chase Bank. I asked specifically about intermediary bank fees and was told that Chase does not use any intermediary banks so there would not be any intermediary bank fees. 
I then opened an account at Chase Bank to receive the {$40000.00} wire transfer. When I received the money on XX/XX/XXXX, {$120.00} was missing. When I inquired why, a different Chase representative said that intermediary bank fees had been charged and that the initial information was wrong and that the bank would not refund the fees despite the misleading information that caused the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. LVNV FUNDING 2.XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my file coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXXl XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I field a complaint with CFPB regarding to Ally to resolve a matter. However Ally is calling me on an automatic system and blocking their phone calls without resolving these matters. They call my house all day long more than XXXX times. We are in dispute and they refuse to resolve the matter as I am waiting for a supervisor to return a phone call to me however this is an automatic system and then they block the calls the rest of the day.
Product: Checking or savings account

Im in the process of increasing my credit score so I hired XXXX XXXX and as a part of there service I get identity information on XX/XX/2021 I got information JP Morgan Chase pulled my credit of activity. So that day XX/XX/2021 I called JP Morgan Chase customer service and asked about this above information according to the XXXX department there wasnt any about myself or my credit.. very strange. On XX/XX/XXXX I received via mail a New checking account and debit card to activate. I called Chase in conclusion it was identity theft and the account was closed on XX/XX/2021 Im going to freeze XXXX credit files and contact XXXX law and my local police to file a report thank
Product: Credit reporting or other personal consumer reports

inquiry XXXX Elan Financial Services Do not know the company
Product: Debt collection

This account has been paid off and sold to another creditor therefore, i am not liable for this account anymore, please remove. IT is still reporting on my credit and it is reporting erroneously that i was 30 days late in XXXX XXXX it was never late See the attachment
Product: Debt collection

I reviewed my credit report on XXXX at XXXX, XXXX and XXXX. I discovered I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX, XXXX, and XXXX. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount.
Product: Bank account or service

I had a savings account with American Express Savings Bank FSB. I requested for an account closure, however there was a remaining balance in the account. I have never received any of my money from my account.
Product: Debt collection

I am writing to dispute the inaccurate reporting of a fraudulent account on my credit report, which is a clear failure to comply with the law. Upon contacting the respective banks, it was confirmed that an error occurred. Additionally, assurances were given over the phone that the account would be promptly removed. 
XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I have a car that is financed with Regional Acceptance. I make a payment online every month, on time through their website. The website requires that I enter my information every month so I have not given them permission to auto-debit or store my information. This morning I checked my account and it has been debited for the full amount of my normal payment which is always more than the required amount. I contacted Regional and was told this was a glitch with their payment processing company and the payment was duplicated in error for numerous customers. I have 3 issues with this explanation ( 1 ) I never gave them permission to store my payment information ( 2 ) What 's to keep this from happening going forward ( 3 ) There is no payment reflecting in my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below is a list of the disputed account. 
XXXX XXXX Balance OweXXXX : {$0.00}
Product: Prepaid card

On XXXX, I submitted in writing, via return receipt, my intention to close my SERVE/American Express XXXX card. I submitted my correspondence to the address on the back of the card. That address was American Express-SERVEXXXX XXXX XXXX XXXX XXXX XXXX XXXX I was locked out of my account so I could not close or delete my account. I still received emails from them regarding my balance which is XXXX. I activated this card on Monday, XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving notification that there's been a change to my credit report I have sent multiple letters to Absolute Resolutions. At first, I admittedly was ignorant to the process of how I had 30 days to get them to validate the alleged debt. However, after being denied for car loans, credit cards and other opportunities, I decided to educate myself on my rights as a consumer. I came to find out that I had the right to ask them to validate the debt by sending me all documentary evidence including all reports, accounting ledgers, contracts that would give them rights to holder in due course. This company has never had my expressed or implied consent. This company has never attempted to satisfy my requests although in my letters I explained that it was not a refusal to pay, however its my right to validate. The only thing that I received was terms and agreements that did not bear anything that showed my name, signature or consent. Since XX/XX/XXXX, I have written multiple letters and sent via certified mail explaining my situation and what I would need from the company to resolve this issue. My last dispute had taken place in XXXX. I have all specific dates from copies of my correspondences, certified mail return receipts and the terms and conditions that they sent me that did not accompany any other documents that bear my endorsement. However, I'm typing this from the library and did not bring those documents with me. I could however bring these documents back and scan them if it would help me get relief from this nightmare. I also had filed multiple disputes with XXXX and XXXX through certified mail and these disputes have came back verified. However, when I asked for the method of investigation, who conducted the investigation and the information that was found to substantiate the right to furnish this on my report I have gotten nothing. My report showed that the " dispute is resolved but the consumer disagrees ''. I was under the assumption that consumer reporting agencies had a grave duty to with impartiality to make sure that they report fair and accurate information. This dispute has taken countless hours of my time going to the library to research, type letters, mail said letters, and ultimately wait for no results to date. This reporting has tarnished my image, misrepresented me as a natural good person and caused my financial damage while missing out on opportunities to better my life. 

15 usc 44, irs publication 583, ucc 3-302, 15 usc 1602 ( a ) ( 5 ), 15 usc 1692 a-k, 15 usc 1611, 18 usc 1961 , 15 usc 1681 604 ( a ) ( 2 )
Product: Debt collection

Repeated Calls Calling my Work told XXXX XXXX to stop calling i would settle any debt with the original deter he then said i will just keep calling and hung up the phone 30 seconds later called me back i did not pick up 1 min later he Called me again then called me 2 more times after that