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

BofA caused us great consumer harm, severe XX/XX/XXXX, embarrassment and damaged our reputation for no apparent reason by freezing our account without notifying us. We have been a customer for XXXX years, have had the same phone # 's and emails for the same length of time. Sometime in early XXXX BOA froze this account causing XXXX checks to be returned. When we recieved a notice from the water company that the check was returned. We contacted the customer service XXXX number on XXXX and talked to XXXX in Delaware who informed us the account was frozen because we failed to return a form that was sent to us in XX/XX/year>, or to respond to several emails also sent. We have no record of receiving a letter or any email, then on a XXXX way call he asked us several questions that he already knew the answers to. He refused to tell us where the letter or emails were sent to. He then said the account was unfrozen. On XXXX, went to the local branch talked to the branch XXXX and he said the account was in good standing, he had no idea why this had happened and he would note our complaint and get back to us about refunding the return ck fees, as he was no longer authorized to refund. Never heard from him again. Recieved a letter on XXXX that said your request was denied.
Product: Debt collection

Complaint against Servicers and debt XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX who sends work orders and instructions to CoreLogic for unlawful property tax collections, identity theft, invasion of privacy and demand for disclosures under TILA, RESPA and CFPB. 

In XX/XX/year> XXXX, XXXX and XXXX XXXX XXXX sent a demand for tax bill to XXXX XXXX XXXX XXXX for the property located at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. XXXX XXXX XXXX I am a 100 % XXXX veteran who is exempt from property taxes. This is my XXXX XXXX and demand under TILA to disclose who hired and authorized XXXX XXXX XXXX and CoreLogic Tax Services to collect my private information for my private property if anything company claimed to be a Servicer. Please disclose that CoreLogic, XXXX and XXXX XXXX XXXX did with my information collected from XXXX XXXX XXXX  and to whom this information was forwarded. 

I demand to provide me name and contact information for an authorized individual employee of XXXX, XXXX and XXXX XXXX XXXX who has personal knowledge about the source of authority and funds to collect my personal information and pay for my property taxes. 

I demand response from the real human being employee of CoreLogic, Inc and XXXX XXXX XXXX. I reject responses from Artificial Intelligence ( robots ) from non-descript " teams '' since these responses violate my human rights to communicate with an authorized employee of the company against whom I complaint and violate XXXX, XXXX and other laws.
Product: Credit reporting

A collection account that was place on my credit report by XXXX XXXX XXXX XXXX NV XXXX XXXX NV XXXX Account # XXXX. This is Identity theft is a fraud account, TransUnion let this company put a fraud account on my credit report with proper documents to prove this my account and second this collection company has never mail me anything regarding a collection account and as well as the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the FTC to inquire instructions for instructing each of the big three to establish credit freezes for my wife and myself following the Equifax breach. I called each of the three numbers given on the FTC web page instructions : Equifax XXXX Through voice instructions was able to enter and confirm by SS # and ZIP code and then was told they could n't freeze my account. 
XXXX : XXXX requested a security free and through voice instructions was able to confirm SS #, DOB, Zip and first 3 numbers of my home address - they informed me they could not place a freeze on my credit file - I had to submit a written request. 
XXXX : XXXX requested a security freeze, supplied SS #, DOB, Zip Code then was sent to a buzy tone and disconnected.
Product: Debt collection

Under FDCPA regulations you can not collect a debt that is over XXXX XXXX XXXX I provided court documentation to establish a approximate date of XXXX to XX/XX/XXXX when the law suit was filed so the actual debt would have been XXXX or older. Furthermore this was a court case credit debt filed in XX/XX/XXXX which again is past the statue of limitations for collecting a debt which as I am sure you are fully aware of is a FDCPA violation. I would also like to add the misleading letter attached to this complaint with what appears to be threatening legal action if payment is not made? I would like to add that reaging a debt is illegal and that before we take action because of all these FDCPA violations and the fact the our rights are being violated for this clearly outdated debt. We are officially requesting all debt validation, chain of title, original creditors charge-off account, all payments made on account, and the debt purchase agreement and any other information contained there in. We request this information than after that we are officially requesting a cease and desist order for all collections and reporting of debt and removal of set debt from all three credit reporting agencies immediately. I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transaction Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This company ( Ad Astra Recovery Serv ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act,  a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

Rescission of Contract.

Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Payday loan, title loan, or personal loan

I was told to receive money for verification and I was to send it back. I sent the money to them via XXXX Then I was told that the money would be in my account next day and it never showed. I tried to cancel the loan and they told me the first time that I only have to send XXXX XXXX dollars to them and it would be clear. Once I sent the money to them. They told me that I had to send XXXX dollars. Once I refuse to send them the money, they threatened to send me to jail if I did not send the money to them and told me that I would have a negative balance of XXXX in my checking account. I thought by giving them my account information, that I would be able for them to put my loan money into my account and that was the end of the matter. Now Im in the negative XXXX dollars and I am making a complaint.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX, XXXX AND EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Debt collection

My credit is report is showing an open account under the name of Midland and is falsely and illegally reporting itself as a credit account. Midland is a collection agency and can not be reporting as a factoring company and report in type as open. I have filed disputes with all XXXX Credit Reporting Agencies and all claim to have verified the account as belonging to me. I have sent Certified Letter to Midland requesting they provide me with all documents they provided to verify this debt and have not responded. I do not recall this account nor have I ever opened an account with Midland.
Product: Money transfer, virtual currency, or money service

I had just returned a payment from a sender. Instead of reversing the transaction from the sender, Paypal initiated a withdrawal from my bank account. There was inadequate balance and a fee was assessed. I added funds to my bank account to cover fees, etc. 
Because Paypal has such an inadequate process, I then accepted the funds from the sender. However, even after I had accepted the payment they tried the same deduction again for the same payment, and this time it went through. 
I have asked them multiple times - 'Why do you keep initiating withdrawals from my bank account? No transfer should go through from my bank account. ' No response. 
I also called them today and a lady likely from an XXXX country came on the line. I mentioned the issue multiple times, but it went above her head. I asked to be connected to a supervisor and after another long hold, the line got disconnected. 

How messed up is their lousy system?
Product: Checking or savings account

Chase Bank Customer Service Department XXXX XXXX XXXX XXXX, DE XXXX Subject : Complaint regarding excessive overdraft charges and violation of fair debt collection practices I am writing to formally lodge a complaint against Chase Bank regarding the excessive overdraft charges that have been imposed on my account over the past 365 days. This complaint is also on behalf of XXXX XXXX XXXX XXXX, who has experienced similar issues with his account. 

Firstly, I have been charged a total of 15 overdraft fees within the last year, which I believe is an excessive and unfair practice. These charges have had a detrimental impact on my financial well-being and have caused significant harm to my financial stability. 

Furthermore, these overdraft charges were not foreseen or anticipated by me, as I have always maintained a sufficient available balance in my account to cover any transactions. Therefore, I contend that these charges are not only unjust but also illegal under the applicable laws and regulations. 

In addition to the aforementioned concerns, I must bring to your attention a violation of the Fair Debt Collection Practices Act ( 15 USC 1692d ) committed by Chase Bank. On XX/XX/2023, at XXXX XXXX, I received a call from +XXXX ( XXXX ) XXXX, which I later discovered was from Chase Bank 's debt collection department. During this call, profane and obscene language was used, causing me emotional distress and further harm. Such behavior is a clear violation of 15 USC 1692d ( 2 ) and is unacceptable. 

I hereby demand that all the overdraft charges imposed on my account be immediately removed, and the corresponding funds be returned to me without delay. Additionally, I am seeking compensation of {$1000.00} for each violation of the Fair Debt Collection Practices Act, as outlined in 15 USC 1692k. 

It is important to note that overdraft fee practices must comply with various laws and regulations, including but not limited to the Truth in Lending Act ( TILA ), the Electronic Fund Transfer Act ( EFTA ), Regulation Z, Regulation E, and Section 1036 of the Consumer Financial Protection Act ( CFPA ). These regulations prohibit unfair, deceptive, and abusive acts or practices, particularly in relation to overdraft fees. Charging overdraft fees on transactions that a consumer would not reasonably anticipate is likely to be deemed unfair and can cause substantial harm to consumers. 

I urge Chase Bank to thoroughly investigate this matter and take immediate action to rectify the aforementioned issues. Failure to address these concerns in a satisfactory manner may leave me with no choice but to pursue legal remedies available to me. 

I expect a prompt response to this complaint within [ state a reasonable timeframe, e.g., 14 days ] from the date of receipt of this letter. Please direct all correspondence regarding this matter to the address provided above or via email at [ your email address ]. 

Thank you for your attention to this matter. I trust that Chase Bank will handle this complaint with the seriousness it deserves and work towards a fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase has furnished a hard inquiry on my credit report without my written consent. Also credit is my RIGHT. I can not be denied my own credit. A letter was sent in and was received on XX/XX/2022 at XXXX.
Product: Money transfer, virtual currency, or money service

My concern is that XXXX was able to get directly into my PayPal account and withdrawal funds for a purchase I did want to make without asking for a password or allowing me the opportunity to choose a payment method. 

My concern is I have never authorized XXXX to automatically access my PayPal account, but 'somehow ' this connection was made. It should not have been and I should be entering a password for each transaction I make with PayPal. 

I talked to both XXXX and Pay Pal and they say its my fault and I must have done something to allow it. When I asked how, they did not know. 

I was very frustrated to learn Pay Pal would allow access to my bank and credit card information without my consent ( via a password ) - and that both companies said it was my fault - if I did 'connect them ' it was a shady hidden checkbox somewhere when ordering. 

At Pay Pal I talked to XXXX ID # XXXX and she opened ticket # XXXX, but then told me I needed to go to their website and open another ticket. Grrrrr.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please delete the following items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the items listed below : XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2017 Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I was having a hard time last year was forced to fall behind due to multiple unforeseen events no fault of my own. I contacted Ally Financial in XXXX to resolve my delinquent issues. I was offered a payment plan for XXXX months. I paid over my normal minimum payment with a XXXX months payment plan. The entire payment place since XXXX was PRESCHEDULED and on AUTO PAY. Ally continue to report my account reach month as being late when all of the payment has been made ON TIME and AUTOMATICALLY. I disputed the error and Ally would just go an report my account XXXX late right after. Case in point they removed the recent XXXX error and yesterday I receive a notification they reported my account as late again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts on credit reports 1. Us Department Of EducationXXXX {$5700.00} 2. Us Department Of EducationXXXX {$9400.00} 3 Us Department Of EducationXXXX {$5400.00} 4 . Us Department Of Education/XXXX {$1200.00} 5. Us Department Of EducationXXXX {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not showing correct information on credit reports. The have a Charge Off showing on my 3 major credit file. They have fail to provide that I was 180 days late to put a Charge Off on my credit reports. The reporting is inaccurate information that needs to be removed. The account was paid in full. The 3 major Credit Bureaus needs to follow the law and not do what they want to do! People are loosing faith in this system!
Product: Credit card or prepaid card

I recently got approved for {$7400.00} credit limit on my Chase Sapphire credit card credit reporting name JPMCB CARD. it was open and activated on XX/XX/2019 and i was using it regularly for my bills and paying full balance off. Not even a month goes by, and i'm at the XXXX store trying to purchase XXXX   for my business startup, and i get a declined at the store. Completely humiliating me in front of customers. I feel like i am being discriminated against. when i called to rectify the problem, they stated that there were too many seeking credit for too many accounts. Also, now that it has a balance of approx XXXX dollars, they expect me to pay that but not re open my credit card after reconsideration. I have not misused any of my credit and this credit card company and i really like there product but if i have to go to social media. Solution, please re open the credit card with the full benefits i had.
Product: Student loan

I graduated from college in 1993. I have consolidated these XXXX student loans beginning with XXXX XXXX. Since that time, there have been over five different companies that have taken over and restarted the principal interest, which made that {$10000.00} loan expand to what is now nearly {$16000.00}. I do not understand why after 25 years, borrowers are still expected to pay for the poor choices of companies passing this predatory activity from one to the next and the government allows this behavior. I am making monthly payments through American Education Services ( AES ) but again, that from was XXXX, and from XXXX, and from others passed through as though I've never paid anything, Can you please help to inquire and to speak for XXXX  loan borrowers who do not get any help with this?
Product: Debt collection

On or about XX/XX/2021, I received a phone call from an agent with Convergent Outsourcing looking to collect on a XXXX Account. As I do with all calls of this nature, I informed them I do not discuss any billing / debt collection type information over the phone and they need to send me proof of the debt in writing and release from XXXX so I know I am paying them instead of XXXX, should any money be due. At that point, the agent informed me that they could " E-Mail '' the information over immediately so I could have an opportunity to clear this matter up. I reiterated that I only act on Documentation that is sent via US Mail. 

Since that time, I did not receive anything from them via Call or US Mail. 

On or about XX/XX/XXXX, Convergent Outsourcing posted the Collection account to all 3 Credit Reporting Agencies ( CRA ) which resulted in a significant negative impact on my Credit Scores. I received an alert of this posting on XX/XX/XXXX. 

I reached out to Convergent via phone and spoke with a XXXX. XXXX so I could find out what was going on. I was informed by her that I wasn't aware that this debt was due since I understood it to have already been paid for by XXXX XXXX XXXX during a Phone number Porting. I then asked what I need to do to remove this account from my CRA 's. 
She then informed me that the debt amount of {$500.00} is due to resolve this debt, that amount would need to be paid, however, they will not remove anything from the CRA 's. 

I did ask for validation from " XXXX '' that this debt is still due, and I am in contact with XXXX XXXX XXXX to determine what happened and if there is a disconnect on either side. I am also following up the verbal request for information with a physical letter sent via Certified Mail today.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the with the fair credit reporting act XXXX The XXXX XXXX- the original creditor : XXXX XXXX XXXX - account number XXXX, XXXX XXXX XXXX  -the original creditor : XXXX XXXX- account number XXXX, XXXX-account number XXXX, XXXX- account number 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.
Product: Credit card

I love using my American Express Platinum and enjoy and use most of the advertised benefits. One of the benefits is the {$300.00} annual XXXX credit. I activated this benefit on XX/XX/year> and after the benefits showed Active on my account, I made a qualifying purchase for {$330.00} directly at XXXX XXXX XXXX where I live. I have not received the credit, which usually posts 1-2 days after, and the Benefits tab doesn't even show that the credit will be applied. I've contacted customer service several times, and each time I get a different answer. All I'm asking, politely, is for somebody at the bank to open a case so they can apply the credit manually and I can be on my merry way. Again, I love using my American Express Platinum and hope somebody can help me with this.
Product: Debt collection

I received a bill in the mail for {$120.00} from XXXX XXXX Account number XXXX. I called to pay the debt. They told me there was another debt of {$550.00} attached that i was going to be served on. 
I called back to speak with XXXX, she informed me that even though I had not yet been served I would now need to pay {$1000.00} for legal fees and filing fees. 
I called back on payday to pay the debt ... I STILL HAD NOT BEEN SERVED. XXXX, whom I spoke with said the total owing was {$550.00}. I asked her if I needed to pay the {$1000.00}. She asked me if I had been served. I told her no. 
She then told me I would only need to pay {$550.00} to settle the debt. That is exactly what I did. 
I received a call XX/XX/2018 from XXXX, who was extremely rude and said I still owed the remaining balance. I informed her that I have yet to be served and XXXX told me I did not need to pay the difference {$1000.00} minus the {$550.00} because I had not yet been served. She could go back and listen to the recorded phone call because I specifically asked if that needed to be paid, I had the money in hand and she told me no. 
XXXX, said she would go back and listen to the call but I was still liable for the debt. I want to know my rights and if this is true?