23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I paid {$100.00} Deposit for a sofa through XXXX for safety and was scammed never received item and them never showed up. I gave all the information to Capital one and they disregarded me and I never received my money back, they laughed at me for trusting the service. I gave them all the information and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I discovered XXXX XXXX XXXX account number XXXX XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This account was detected to have been deleted betweenXX/XX/XXXX andXX/XX/XXXX from Equifax which I have proof. Also, this account was deleted by the other CRAs ( XXXX and XXXX ) as well and has not been reinserted to my credit file.
Product: Debt collection

This company is violating my rights. They have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I previously made many attempts to try and fix this directly with them. I am aware that they are violating my rights and I am also entitled to {$1000.00} for every violation, they either pay me or delete these accounts AS SOON AS POSSIBLE.
Product: Money transfer, virtual currency, or money service

Since XXXX  I can't sell on coinbase, I can buy and convert, but can't sell or transfer to wallet. I've emailed/called them about 15 times since then. They emailed me back once saying the problem was fixed, well it's not, and I never talked to a real person. When I go to sell it says my account is restricted. They're costing me tons of money and now I'm looking for legal action.
Product: Debt collection

My wife and I cancelled XXXX because they changed our rates without warning when we had a set amount we were paying and tried to bill us for a coaxial product. We moved from XXXX XXXX XXXX in XXXX, Montana to XXXX XXXX XXXX XXXX, XXXX, Montana. We had used there free move program in the past and everything went smooth but this time they tried to charge us for coax that we already had at old house and could have taken or we could have but they never mentioned it and that I also had plenty of new to use. We were not under any contract. I spoke to XXXX before they turned this over to collections and i was told this was closed. We ended up turning our service off prior to coming to a resolution with XXXX and we now use XXXX. XXXX tried to say we signed a new contract upon installation at our new home but I told them that was not true and they said they were documenting this. At a, later date I contacted them about this and they said we signed something on the installers electronic device. I explained that I was not even home. We assumed the tech must have just marked it himself. I asked XXXX why the tech would have even had something for us to sign since we were already customers, the agent said he was not sure and would need to look into the status of our account. 
my wife and I thought that it sounded kinda shady that they would even be trying to get us to sign anything like this since we were just moving locations. We are not sure but after that XXXX said to just pay the last bill and our account would be closed but this was after multiple calls and after service had been ended. Later a collection company called AFNI started sending us bill letters about XXXX and we told them about our resolution and about how I paid the last bill with XXXX and that it was closed. They said they would check it out and if there was any problem they would let us know. They never said anything but sometime ago I noticed they had put a negative on my credit report and said in collection which is a lie and I have tried to contact them about fixing it and they never write or call me back and never take the call. They have no evidence of any bill and they know it. AFNI address and phone is : XXXX XXXX XXXX XXXX XXXX ... ... ... ... ... ... ... .. 
Afni Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX P. XXXX XXXX XXXX XXXX XXXXXXXXXXXX Hours : Monday through Friday XXXX - XXXX CST We do not owe this bill and XXXX has their equipment and the last time I talked with XXXX they said they did not know what I was talking about when I spoke with customer care but that has been a couple of months ago. Thanks
Product: Vehicle loan or lease

Illegal Repossession The company was notified on, XX/XX/2023, XX/XX/2023 and XX/XX/2023 Via certified and registered mail.

regarding notice to provide all documentary evidence from the public and private side from the XXXX per the XXXX accounting principles generally accepted in the USA. XXXX has no knowledge of nor has XXXX  ever revealed or disclosed to XXXX never intended to agree to or consented to any trust relationship or creation of trust between XXXX and XXXX. XXXX XXXX  is participating in deceptive contracts that DO NOT comply with TILA, BILL OF RIGHTS, BILL OF EXCHANGE ACT OF 1882, 12 USC 5531 ( D ), 15 USC 1962E FALSE OR MISLEADING REPRESENTATIONS, 12 USC 1431, 12 USC1435. According to the regulations set forth by the Federal Communications Commission ( FCC ), I am entitled to request and receive a physical, signed copy of the contract in question. In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services. This is a breach of contract and an adverse action for exercising my rights.

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. '' 15 USC 1692 ( a ) ABUSIVE PRACTICES There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Product: Payday loan, title loan, or personal loan

So my husband and I both got a loan in XXXX of 2020, we made a couple payments then all of a sudden she started saying my payments where returned spoke with my bank that wasn't true, now her and the guy there are calling over and over and over all day to both of us and our references showing up at the house non stop. I've just been diagnosed with XXXX and I've begged her to stop and she does it more and more
Product: Credit reporting or other personal consumer reports

Companies such as XXXX XXXX XXXX and SYNCB/Amazon used my information without my consent which got me hard inquiries in my credit report. I did attempt to apply but never got an agreement or consent to use my information to read my credit or any other personal information of mine. I wish for these two unknown credit companies to remove those hard inquiries from my credit report for no further action to occur without my authorization. These inquiries without my consent occurred on XX/XX/2022. For the right of my authority, I recommend for the following companies to politely remove these hard inquiries.
Product: Mortgage

I have a mortgage account with Wells Fargo. Any payments I make early are not applied to the principal until the first of the month. The payments are marked " unapplied '' and I do not receive any interest credit, as well. Rest assured, they are making interest income on my money. I have had XXXX mortgage accounts with them and it was the same as this is their policy. 
This seems like theft to me and I think it may be illegal, certainly unfair.
Product: Checking or savings account

Unable to access certain functions in app or website like activate new debit card or move money from this institution. Have to put in request to change phone number sent in multiple forms of id to validate id for change. Cant contact supervisors or self service. Sent numerous emails. Been days cant access funds fraud beacuse bank get to make overnight interedt on account no branch. Shut down all web banks. Including XXXX XXXX creditkarma and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$240.00} XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$6000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$2000.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$12000.00} XXXX XXXXXX/XX/XXXX Balance {$370.00} Inaccurate data and identity thief that should be removed from all three of my credit report Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed XXXX XXXX and XXXX from my file. I sent each Credit Bureau a copy of the letter of the removel letter. Please remove XXXX XXXX XXXX from my credit report as well because they were listed on the bankruptcy report. I have sent XXXX, Transunion and XXXX several disputes to get XXXX XXXX removed from all three credit bureaus.
Product: Debt collection

I recently pulled my credit report and I see that I have some unauthorized debt reporting on my credit report I believe this is Identity theft because I absolutely do not know where this debt came from thats reporting on my credit report I am honestly disturbed barely by this
Product: Checking or savings account

I deposited a check into an XXXX account on XXXX. I was told check might not clear for several days but when I called today, I was told that the account would be locked shortly because I had deposited a check with two payees into my account, but I explained to this employee XXXX that the entire point of an XXXX account is to do such a transaction. He was clueless. The bank is now requiring me and my client to come to the bank in person to disburse the funds, lift the hold, and prevent my account from being shut. I did nothing incorrect here and Chase is causing undue hardship in violation of the XXXX and XXXX Banking regs. I am so dismayed that they wasted my time and now my clients and have interfered with legitimate commerce in such a manner. Why would such a proper deposit trigger account closure when there is no basis for fraud. The local XXXX branch is just as dismayed at I am at the conduct of the bank 's back office who clearly has no idea how to run a business or XXXX account.
Product: Debt collection

I am requesting that you validate this debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information so I can properly assess the validity of this debt : 1. The name and address of the original creditor. 2. A copy of the written agreement, contract, or other documentation that establishes this debt. 3. An itemized accounting of the debt, including the original amount, any fees or interest added, and how these charges were calculated. 4. Proof that you have the legal authority to collect this debt, such as a copy of your agreement with the original creditor. 5. A complete record of all payments made and their application to the balance. Until you provide proper validation of this debt, I request that you cease all collection activities, including reporting this debt to any credit reporting agencies, as failure to validate the debt could be a violation of the FDCPA. Additionally, if this debt is found to be invalid or can not be verified, I request that you inform all credit reporting agencies to whom you may have reported this debt, and remove the listing from my credit report.
Product: Checking or savings account

Last XX/XX/XXXX, I deposited a check in the amount of {$5000.00}. The ATM machine did not inform me of any hold unlike before where it will tell me when will the funds will be made available. In this case, on the next business day, the funds are not available and i called customer service and I was told there will be a hold of 7 business days. As of this writing, the funds are still not available. 
It is my impression with the new laws allowing for faster electronic transactions, funds will be made readily available as soon as funds were verified, UNLIKE before. How come my funds were still withheld this long? It is XX/XX/XXXX and still funds are not available. I tried and talked to them more than EIGHT times in this situation and still no resolution. I was even put on hold and they INTENTIONALLY cut me off thrice. CHECK THEIR PHONE RECORD CONVERSATIONS ( if they do have it ). Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Transunion about the following negative accountsXX/XX/XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$570.00} ), BANK XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7200.00} ), XXXX XXXX BANK ( Date Opened : XXXX. XXXX, XXXX, Balance : {$120.00}, XXXX. ( Date Opened XXXX XXXX, XXXX, Balance : {$510.00}, XX/XX/XXXX( Date Opened : XXXX XXXX, XXXX Balance : {$480.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$2700.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$6600.00}, ), XX/XX/XXXX ( Date Opened : XXXX, XXXX, Balance : {$930.00} ). Its been over 45 days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act. Click on the box below.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

I want these inquiries deleted and removed because I did not authorize this company to run my credit this fraudulent.
Product: Money transfer, virtual currency, or money service

My father died as a non-resident alien with an account in the United States. 

I am the executor of his estate and non-resident probate has been granted in XXXX XXXX, New Jersey. I am a US citizen and resident. 

There is only one asset to be probated.This money is in an orphaned account at XXXX, XXXX the financial clearinghouse of BNY/Mellon. The money is in cash. It was in a cash account at a brokerage firm that went defunct many years ago which is how it ended up in XXXX. This account is NOT associated with any US business. 

XXXX had several requirements to release the money NONE of which they would put in writing, all verbal. Once I sent the latest requirement, they came back with two more. One of those I am willing to comply with as it is reasonable. 

I believe they have no valid reason for the second requirement. 

This second requirement is that I receive a transfer certificate from the IRS. Please note that the purpose of a transfer certificate is if the money is leaving the country. I am asking for the money to be transferred from my father 's account in New Jersey to his Estate account in Pennsylvania. The IRS will be able to track the money through the EIN of the Estate. 

Here are the reasons why I think a transfer certificate is not required : 1. On the IRS website, under " Transfer Certificate Filing Requirements for Non-US Citizens, it states " ... A transfer certificate is NOT required for property administered by an executor or administrator appointed, qualified, and acting within the United States. '' 2. XXXX also states that this is required because the assets in the account are over {$60000.00} ( It is about {$120000.00} ). On the IRS website under the same heading it says " If the value of the decedent 's taxable assets in the United States exceeded XXXX '' It refers you to Form XXXX to determine what are " taxable assets in the United States . '' XXXX is taking the position that the physical location of the assets determines that is a taxable asset. That is, that if in the US, it is a US taxable asset. 
Reading the instructions that is not correct. It breaks down US " taxability '' of assets based on the type asset, not merely physical location in the US. For tax reasons US situated assets include American real  estate, personal property, and securites. 
Exceptions to XXXX " taxability '' include securities that generate portfolio interest and bank accounts not used in connection with a trade or business in the US and insurance proceeds.

3. At this time the only money in the Estate account is the {$5.00} required to open it. There is no money in the Estate until XXXX transfers it. 

I have complied with all of XXXX requirements but I am not willing to comply with this one without a valid reason.
Product: Vehicle loan or lease

I purchased a new vehicle in XXXX of 2022 financed through Chase auto finance and had automatic payments set up when I initiated the loan on the car through my bank at XXXX. 
In XXXX of 2022 my mother made a payment on my account for me and at that time a customer rep from Chase without my knowledge or permission canceled my automatic payments coming out of XXXX and changed the banking information for payments from my bank to my mother 's bank. 
Unbeknownst to me after that my payments were not being made because my mom 's account was used for other bills. I will concede it was irresponsible of me not to check my statements but since I had automatic payments in place really didn't even think it was necessary so I own that fault. 
However ; the stopping of my payments and the changing of the account information was all on the finance company. 
Then on the XXXX of XXXX, my vehicle was repossessed so I logged into my online account and saw that I was in arrears I contacted Chase to bring my account current which they refused to let me do, and as I was speaking with the rep from the department responsible for the account they deleted my account information as I was speaking to her so I had no access to any of the account information any longer. 
After that, she told me that I would have to pay the full balance on the loan of XXXX to get my vehicle back. 

All I wanted was to bring my account current and get my vehicle back and continue with my original arrangement before they went and changed everything on me without my knowledge or permission. 

I don't think they are allowed to delete account information either since that was the only way I had any of the details necessary to contact an attorney to assist me with this. 

I don't know what I am supposed to do at this point so I wanted to file a formal complaint against them for unfairly treating me with respect to this matter. 

Very Respectfully, XXXX XXXX
Product: Debt collection

This stems from a deposit made to a Joint Account owned by myself and my ( XXXX XXXX daughter who was XXXX at the time this account was established ). XX/XX/XXXX several deposits were made into ( Acct # XXXX ) from another Navy Federal Account ( XXXX XXXX XXXX ). I never had access to this money or benefited in anyway. I was never informed of this discrepancy. I had requested two times prior to this incident for my name to be removed from this account when my daughter turned XXXX. These request were never honored. Then XX/XX/XXXX I received my XXXX  XXXX pay in my checking acct ( XXXX ) which {$400.00} was taken from that to pay a debt I was never notified of per banking regulations. When this happened I called the bank and they refused to entertain why the money was taken and refused to refund it. I drove 3 hours to the nearest bank the morning before I put my XXXX DAughter in XXXX XXXX for XXXX XXXX after having a XXXX XXXX over the bank and their discrepancies. I went into the bank on XX/XX/XXXX where they refused to remove me from account and demanded payment even after seeing my daughter in a XXXX XXXX  unable to make XXXX XXXX. My daughters suffers from XXXX, XXXX XXXX XXXX, and XXXX which gives her XXXX, XXXX XXXX, and problems with XXXX. She just got out the hospital a week ago Thursday and now in XXXX XXXX XXXX. Details of this monies is being investigated for criminal charges. All of this has been explained to XXXX XXXX yet they want to make me the sane person responsible for a debt I had no knowledge of until they took my XXXX XXXX and then setup payment arrangement in order to refund my {$400.00}. SAD INDEED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 someone reported to TransUnion a " collections '' account that I have no knowledge of. It is a collections agency called " XXXX  '' claiming I owe them money from their client " XXXX XXXX  ''. I know nothing of either. I have not been in a hospital in 40 years. 

On XX/XX/22 I filed a Dispute with TransUnion online. On XX/XX/22 their results of their investigation was " Verified ''. That is all of the information that I was given. 

On XX/XX/22 via an online chat from my account at TransUnion ( transcript available ) I asked the agent for clarity and the proof they have that the claim is valid or " Verified ''. TransUnion simply refused to provide me any further information. They said that I need to call this claimant directly. I am being asked to call directly the crooks that are trying to rob me and am being refused my own information. 

So my complaint is with this credit reporting agency themselves that is allowing someone to adversely effect me, and at the very least taking their word for gospel and at most simply refusing to provide to me any sort of proof or documentation that one would think they would have on file in order to validate the claim against me. They have the information, I can only assume, that shows validation and they are refusing to provide me, the consumer, that information. 

Again, I should not be forced to call the crooks that are attempting to rob me. If all is valid, I merely seek the proof from the reporting corporatation ( TransUnion in this case ). If there is no supporting proof, then the claim needs to be removed from my credit report with them.
Product: Debt collection

The company Tate and Kirlin contacted me XX/XX/year> regarding a collection account. We agreed on a settlement amount, I requested verification of payment schedule and access to the online account. They stated its down and try again later. I provided my banking information for a ACH payment. XX/XX/year> I received notification from bank regarding a check deposit. I dont quickly looked at my account Tate and Kirlin created a check and made a check number on my behalf for the payment to I made on XX/XX/year> with XX/XX/year> as the written check date. I called them immediately stating I never authorized to create a check in my name. The representative said Im the only person they dealt with that is complaining. The supervisor stated hes cancel all my payment arrangements and now I owe all of the balance. They added unspeakable amount of fees and interest. This unethical and misleading and misuse of my information. I dont even own a check book and for this creditor to create a check and make check number is not appropriate.