23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i received a extortion attempt from a company, CAPITAL MANAGEMENT SERVICES LLP, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX, demanding funds from me. This demand alleges they have been ENGAGED, ( whatever that means ) by XXXX XXXXXXXX XXXX to extort funds from me in the amount of {$4900.00}. I am acutely aware that if any alleged original lender, thus sold this debt to a debt collector, they also wrote off this debt on their TAX FILINGS, which relinquishes any and all obligations, i might have had to pay. This now becomes a criminal, extortion attempt for funds, im not obligated to pay, by this illegal enterprise, who surprisingly, no one signed this extortion attempt, taking any liablity, from this criminal enterprise. He who makes the claim, accepts the liability.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  I paid down my credit card but it has a high balance which which has since been reported i disputed it will all the agencies multiple time but has been unsuccessful getting the information changed balance is showing XXXX paid XXXX and now its XXXX and still reporting XXXX i called the company to get a updated statement but they said the account was sent to someone else but they still accept my payments.
Product: Credit card or prepaid card

I XXXX XXXX, have had account for over three years with CITIGROUP. I started this account as a secured credit card, and graduated to a regular to a credit card. I took very serious due to the fact that I was rebuilding my credit.This card is my oldest open account on my credit profile. I received a letter on Monday XX/XX/2019 stating that the account was due to a returned payment from an account that I also have with CITIBANK. There was some unexpected transaction that was posted on the bank account that caused the payment to be returned. I was willing and able to cover the transaction and any fee/fees that may be associate with the transaction. I fine it very unfair to consumers that after years of building or rebuilding credit, that the account could closed for such minor infraction, especially given that it reflex negatively on consumers credit report to have closed accounts.
Product: Credit card or prepaid card

I received my tax refund on a American express Card.thuough XXXX XXXX.On XX/XX/2018 the day I was suppose to leave for my vacation.I swiped my card to purchase a rental car.The Merchant declined my card.So I checked my balance to find out there wasn't any transaction but the card holder took XXXX off of my card for a transaction that didn't even take place I called over a dozen times including a conference call with the merchant and the card holder American express to get a understanding to why was it even taken off. if there wasn't a purchase.American express says there's nothing the can do.but wait 30 days for them to deposit it back to my account.where is the cusumer right in this I did not authorize American express to take anything.My vacation to XXXX  was ruined.this can't be justifiable.
Product: Student loan

I made my first payment on XX/XX/2023 by bill pay from my bank account. Payment was posted & MOHELA states they never received payment. I keep getting letters that state I am past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been invited to open a Discover credit card approx. mid to late 2015. I had just secured social security. and had no credit useage for many years prior. apparently my score brought in all the credit offers. the offer was 12months 1 st year at no interest. they started off wrong right out the gate. I hadn't set up any account for discover on my computer and was awaiting my first bill. they failed to mail to my residence my first bill. of course being a new customer I hadn't monitored time frame. I was also under personal crises and family matters. by the second month I did my inquiry. received my billing. they said they mailed but not my correct address. that could have been made by intrusions or failures on there part. nevertheless a late fee had been installed. im certain I had also set my due according to my finances. I believe it wasn't changed. then it seemingly was to there liking. idk where to point finger or why, but I did have a personal crises in Domestic financial abuses he may have been in involved idk. I kept paying late fees and seemingly never got my one year of no interest. despite my faithful payments. I was not being taken serious about my payment due dates. so as soon as I knew I had paid all I had charged on discover card I requested to close account one year later. I paid all I charged and late fees. in lieu of there non compliance and the financial abuses and possible fraudulent manner he may have had in tampering with my account or discovers unwillingness to honor my requests, this service as a hinderance. I am victim to both sides. I had paid all I charged and late fees. they had continued charging these late fees. I do not owe and im on limited income too. I would still be a customer if I was treated fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to LexisNexis stating the issues with the errors in my file dealing with two bankruptcies and asked them to delete them. It has been more than thirty days and they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identify Theft : 1. XXXX XXXX XXXX XXXX I have disputed this account over 150 times and never have I done business with XXXX XXXX XXXX. 

Name and/or badge number of the law enforcement personnel who processed the report : XXXX XXXX XXXX Sheriffs Department XXXX XXXX XXXX  Case Number # XXXX XXXX, XXXX XXXX
Product: Mortgage

I've contacted SunTrust and raised the issue with whomever called me back however there's no potential resolution at their level. 

SunTrust is not reporting mortgages in forbearance as " delinquent '' to the credit agencies - that's in accordance with the existing regulations. However, SunTrust is in fact putting a " delinquency notice '' on mortgage statements that harms consumers attempting to secure loans in the lending market.

Imagine customers who are economically disadvantaged or historically disenfranchised ( minority populations ) who already struggle to get loans only to have their application require a current mortgage statement from SunTrust that says at the top of it " Delinquency Notice ''. SunTrust is putting, in effect, a Scarlet letter on their mortgage statements and it eliminates consumers ' chances to be approved. I've been told that directly by loan processors and underwriters.

SunTrust needs to amend their mortgage statements and remove those delinquency notices from them. I'm fortunate that I have resources and can work around these kinds of tricks that mortgage companies play however it's wrong and harmful to other consumers.
Product: Debt collection

They repeated call stating that they are collecting a debt which frankly I do not have or owe anyone- not even credit card! never gone into collection! They call everyday at all odd hours.
Product: Vehicle loan or lease

I filed bankruptcy in   XXXX   Chapter  XXXX . It has since been discharged.  General Motors c alled my lawyer and we arranged a day to pick up the  XXXX  as I surrendered it in the bankruptcy. They picked it up  XXXX . My husband filed chapter  XXXX  who was also on the loan with me. 2 months later they called and demanded he pick up the vehicle at the towing lot that day. We called and asked why they said it was ours pick it up or it will be surrendered to the towing agency. Now on  XXXX  they send a towing company to my old address asking for me and demanding the vehicle. Then they come to our present address and speak to my husband and demand to only speak with me. He was talking to him through the screen door the repo man attempted to open my door to yell in the house for me. He would not speak to my husband who is the only responsible party for the vehicle as my chapter  XXXX  had been discharged. He told him that I would be responsible for the visit fees the repo fee and towing fees and that he needed to explain this to me before he would leave.he also stated that this would not go away it would be added to the total I owed GM after they found the vehicle and took that I was just racking up fees to pay. I know that after chapter  XXXX  I am not legally in no way responsible for this vehicle, I can not be billed for it and I ca n't be threatened with legal action and fees because I filed Chapter  XXXX  and it was discharged. This company harassed people at my old house harassed my husband and threatened me.  XXXX  broke the law. The repo man works for them and it is their responsibility to ensure they are doing the right thing.
Product: Student loan

I did not understand the interest on the balance, the amount is more than what I was told and not I 'm seeing a decrease with my payments.
Product: Mortgage

M & T Bank and XXXX XXXX have fraudulent foreclosed on my XXXX property in Florida with out bring in me in the case. They actually listed my property for sale in XXXX. XXXX started the foreclosure with out bringing me in, and when I filed a complaint against them, they immediately sold the loan in the middle of foreclosure to M & T Bank who finished the foreclosure. These XXXX banks had put a cloud on my title & Now XXXX is washing their hands and passing it to M & T Bank.
Product: Student loan

This is a duplicate complaint from XXXX. However, I made a separate complaint that was erroneously combined with Transworld. Within a few hours, TransWorld responded. However, my issues were separate on the same matter. Transworld did not answer my questions either but I wanted them kept separate so that younomics would respond. I need a response from Younomics. Hence I am resubmitting the complaint as this derailed that process : Have attempted to contact younomics regarding details on my loan and potential involvement in privacy violations. After the CFPB [ Case number : XXXX ]. I was informed that my loans were subject to a security interest at XXXX XXXX. This was not apart of the original documents. The loans holders had changed a number of times. Due to privacy violations etc I was experiencing not sure if this had something to do with it. As it was not interest on a loan and there could very well be security issues. Either way, I believe they were being used by others to facilitate privacy violations. Upon following up with Younomics. They had no information from this complaint, while it was listed that younomics is the company complained against XXXX XXXX XXXX handled the complaint. What I found disconcerting is that Younomics had zero information. They could not answer my questions about anything. They could not produce any documents and could not produce any info. Furthermore, they would not answer questions about who their management team or ownership structure was ( including historically ). While XXXX XXXX was a surprise, that could be either a interest on a loan or a security interest that means there is underlying security issues which would fit my own concerns. I do n't know. When my questions are n't being answered, that 's a problem. I made a complaint regarding XXXX XXXX to XXXX. However, with younomics. They ultimately contacted university accounting service who then put my account in do not contact status. The issue is, I believe these things are being used by others in an adverse way or have been. I ca n't gain any details on the company. It 's not clear who owns them, who manages them and what laws prohibit them providing me this info. Furthermore, it 's not clear how my information being handled as they had access to none of it. I made a complaint concurrently to the NY Department of financial institutions but I do n't know if they did anything? It 's number is XXXX
Product: Debt collection

Received a letting in the Mail on XX/XX/XXXX from MEADE & ASSOCIATES INC for a debit owed of XXXX in my name. I called that day and spoke with a " XXXX '' ( would not provide his last name. I informed him that this was not my Debit and they have the wrong person. I asked him to send me any Doctumation they have in this case. 

Received the requested documents on XX/XX/XXXX showing that there was a {$3500.00} billed amount that was paid. It also had a signature that was not mine. 

I called XX/XX/XXXX and spoke with " XXXX '' I asked if he looked over the Doc that he had sent me and he informed me he did. he was not able to Identify where the {$1200.00} came from. I said that was not my signature anyway and that I could provide a copy of my official signature from my license but he was not interested. I asked to please remove this from my name. He informed me he would put it in " disputed '' and to file a police report and get an affidavit sent to him. He refused to send me paper work saying this is distributed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was lost and/ or stolen awhile ago but I did not forsee these damages being done inwhich has compromised my credit file. All the accounts in question are unknown and unauthorized. I'm now demanding that these accounts be removed and blocked from my credit file., as following .... 

1 ) XXXX 2 ) XXXX  XXXX XXXX XXXX  {$28000.00} 3 ) XXXX XXXX XXXX XXXX {$43000.00} 4 ) XXXX XXXX XXXX XXXX XXXX XXXX 5 ) US Dept of Education {$2000.00} 6 ) US Dept of Education {$3600.00} 7 ) Dept of ED/XXXX  {$3000.00} 8 ) Dept of ED/ XXXX {$1700.00} 9 ) XXXX   {$2000.00} 10 ) XXXX XXXX XXXX XXXX {$670.00} 11 ) XXXX XXXX XXXX {$4000.00}
Product: Debt collection

The online seller company charged every cost of the order I placed before company shipped their products. No one online seller will ship out their product to buyer if they has not charge the full payment from buyer, either the payment method is paper check or credit card. In my case, this company always charged the payment from my credit card account. I can show all the payments I have paid and orders that I have placed.
Product: Credit reporting or other personal consumer reports

Experian has demonstrated a complete lack of compliance with the Fair Credit Reporting Act ( FCRA ). Additionally, they are denying my right to access my free annual credit report via XXXX, further obstructing my ability to monitor and protect my credit. 
This negligence has caused ongoing harm, including wasted time, frustration, and financial insecurity. Experian is not only violating the FCRA but also showing willful disregard for my rights as a consumer. 
Im invoking my rights under 15 U.S.C. 1681c-2 of the FCRA, requiring Experian to block and permanently remove fraudulent accounts and inquiries from my credit report without further reinvestigation. I have already filed a verified identity theft report numerous of times. 

Under the FCRA, once a consumer provides a valid identity theft report, credit reporting agencies are required to block or remove fraudulent items within XXXX ( XXXX ) business days of receiving the request. Reinvestigation is not permitted in cases of identity theft as specified in 15 U.S.C. 1681c-2 ( b ) .Under the FCRA, once a consumer provides a valid identity theft report, credit reporting agencies are required to block or remove fraudulent items within XXXX ( XXXX ) business days of receiving the request. Reinvestigation is not permitted in cases of identity theft as specified in 15 U.S.C. 1681c-2 ( b ). 

Please remove fraudulent account ( XXXX ) and unauthorized inquiries. 
Account ( s ) : XXXX XXXX Account : XXXX Balance : {$0.00} Date Open : XX/XX/XXXX Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX By willfully violating the FCRA , I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 

Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certied Funds to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX. XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$210.00} Money was withdrawn from my bank account without my authorization or participation, when this was brought to the attention of my bank, i was told that " I DID IT ''. and that there was nothing that they can do about it. i was prepared to give a polygraph exam to prove my innocence. I am retired and living on a fixed income. Also, I am a XXXX XXXX XXXX Veteran ( At the beginning of the XXXX XXXX XXXX ). How can you say to me THANKS YOU FOR YOUR SERVICE ( not only to my country, but also to my bank ). then show me such DIS-SERVICE NOT EVEN GIVEN THE THOUGHT OF MY INNOCENCE. The bank did not adequately consider the possibility of my innocence. Even though I had XXXX remove from my account, and requested new credit and debit cards, and changed my account password. And I filed a police report with the XXXXXXXX XXXX XXXX A thorough and complete analysis of this case is not only appropriate, but warranted, And that I should be compensated for my pain, suffering, stress, and for XXXX PROFILING, and violating my consumer protection rights using deceptive practices and ignored proper protocol. ( Their investigation team ).
Product: Vehicle loan or lease

After making the first payment online, I had set up Auto-Pay, but may have accidentally set the first Auto-Payment to start the day after I made a payment, causing me to go through a process to refund the Auto-Pay payment as well as cancel it. After that, every payment period I attempted to make a manual payment on their website XXXX but after triple checking my information after numerous attempts, the payment still wouldn't go through, with their website telling me to contact my bank if the issue persisted. After contacting my bank, XXXX XXXX, they told me everything was fine with my account and that it must be a bug in Hyundai Motor Finance 's system instead. So I called the number for their customer service and tried paying over the phone, which required a fee of about XXXX dollars or so, to no avail. Same issue. I got in contact with what I thought was a Customer Service agent but was actually a Collections Dept. agent that said to make a payment with them it would incur a fee of XXXX, but due to my situation they would waive it. But even after being on the phone with them for about 20 minutes the situation seemed unchanged, where giving them my bank information and triple checking with them it wouldn't go through. After that they wanted to try using my Debit Card, which didn't work at first, but after a bit of silence they said it finally went through. Sounds fishy, and very irritating. That was the first time back in XXXX. In XXXX the same issue happened online and the same stuff happened, only that was the time I found out I was calling Collections instead of Customer Service, and when I asked to be transferred to Customer Service they told me to call a certain number, not giving me any instructions after I told them it was the same number I've been calling them at. XXXX I had the same issue, but I had them use my card which apparently was still on file with them. XXXX, today, the same issue but I finally got in contact with Customer Service, hoping to get to the bottom of my issue. After telling them my issue, repeating myself more than once about the information, they went through the same process, telling me that they'd waive the over-the-phone fee " one time only '', even though either their website or something else internally was causing my payments to not go through. After getting my confirmation number of the payment, I asked if there was anything that could be done to prevent or fix my issue, such as set up an Auto-Pay or maybe there was something on my end that could cause the issue, but they told me instead that after 48 hours that I should call again and set up Auto-Pay. And that was it. That was their solution. No promises of fixing the issue. There is no actual support being done, giving me the feeling I should instead refinance with a credit union, but I worry that's their goal : to have my loan debt be bought off in its entirety and profit of the possible interest to be accrued.
Product: Credit reporting, credit repair services, or other personal consumer reports

In sight of recent investigations brought upon Experian, I find that my consumer file is being irresponsibly tampered with. Over the past few months, I have made several attempts to remind Experian of their duty pursuant to 15 USC 1681. It appears Experian intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. in XXXX and XXXX of 2022, I made a dispute to Experian to verify some of my accounts. They were supposed to do a clear investigation, which they did NOT do. Most of everything on my credit report came back verified. Did Experian conduct interviews? Who did Experian talk to? Did Experian interview my friend? What was the procedure like? Send me the proof. Please send procedure of the investigation. In order for credit bureaus to conduct an actual investigation of the accounts that are on a consumer report that the consumer is disputing, they have to conduct an investigation a certain type of way, which is taking interviews from neighbors and friends about the information thats being disputed pursuant to 15 usc 1681a ( e ). 15 USC 168li ( A.5 ) says that after the reinvestigations. all of the unverified information must promptly be removed. Experian has failed to provide a 100 % accurate investigation for the accounts that are on my credit report. None of the accounts on my Experian profile can prove I owe a debt. Experian couldnt provide me with any contracts and/or accounting ledgers from any of the accounts on my Experian consumer report. I made a call as another attempt to have these errors corrected on my consumer report. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX US DEPT. OF EDUCATIO ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX XXXX 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 Pursuant to 15 U.S.C 1681a ( 2 ) ( 15 u.s.c 1691 ( a ) ( 3 ), 15 u.s.c 1691a ( e ), 15 u.s.c 1691 ( e ), 15 u.s.c 1642, 15 u.s.c 1681M, 12 CFR 1002 there should be no transactions reported onto my credit report. This includes late payments. 

Experian never had a Permissible purpose of my consumer reports. 15 U.S. Code 1681b ( 2 ) never instructed Experian to furnish or create any report. I never consented to any account on my report on the first place. 

15 U.S. Code 6821 Congress made it clear that Experian assumed the role of a financial institution through association.