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

In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & fair Debt Practices Act 15 U.S.C. 1692 XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ! 5 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805 A states : A debt collector may not communicate with a consumer in connection with the collection at any unusual time or place, or a time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 Causing a telephone to ring or engaging in person in a telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.
Product: Bank account or service

I am a Chase customer who had fallen to hard times. I had charges against my account that were NOT paid by the bank, as in declined due to negative balance. Yet they still charge XXXX for each zap. I dont wnat to have an extra {$500.00} negative balance just in fees for NOT having the money and accounts charging were not paid either. I accept NSF fees only if the overdraft is paid.
Product: Debt collection

XXXX XXXX of XXXX New Jersey ( XXXX ) tried improperly billed my insurance. I was a XXXX recipient and had private insurance. XXXX billed XXXX first but was supposed to contact my private, primary insurance. This caused a year long dispute, where they acknowledged their mistake. They billed my primary health insurance and then attempted to get XXXX of New Jersey to pay the remaining balance. Throughout this process I remained consistently communicative. I called their office every time I received a billing notice and explained that they needed to contact XXXX of New Jersey for the remaining balance ( XXXX had my XXXX information ). I called in XX/XX/2021 and was told they would send me another balance notice if XXXX did not pay. Instead they sent this to a collection agency without notifying me. I contacted XXXX of New Jersey who informed me they illegally sent my balance to collections as there is a New Jersey state statute stating that they can not balance bill a XXXX recipient, meaning whatever my primary insurance paid should have been considered " paid in full ''. I notified XXXX  of this on XX/XX/2021 and they told me they would drop the balance to {$0.00} and notify the debt collection agency National Recovery Agency, yet I received a bill from National Recovery Agency, a debt collection company dated XX/XX/2021 that I still owed the remaining balance. XXXX contacted National Recovery Agency on this date and they still attempted to force me to pay a bill I never owed. I called them on XX/XX/XXXX and the woman I spoke tried to convince me that XXXX would not pay a bill that old, when in actuality, it is against New Jersey 's state statute to not balance bill XXXX recipients. On XX/XX/XXXX I contacted XXXX about this notice and they called National Recovery Agency again on the same day. I then contacted National Recovery Agency and the woman I spoke with informed they had no record of XXXX contacting them and that I still owed the remaining balance. After longer discussion ( the conversation was recorded ) her supervisor came on the phone and told me that the balance was {$0.00} and XXXX had closed the account and her employee didn't know because of " lack of training ''.
Product: Checking or savings account

Months ago I was using my Bank of America Checking account for my personal needs, get my paycheck the companies I work with and everything was ok. 
One day I went to the branch located at XXXX XXXX to request the cancelation of my credit card once I wanted to be free of Debt. Once the employee ( Think his name was XXXX, but not sure ) saw the type of account I was using, he told me there was a better account to avoid my maintenance monthly fee, just setting a minimum Direct deposit and it would be cheaper than the XXXX dollars I was currently paying, that sounded good and I accepted the product change. A few months later I was checking my statements and I found that the new type of account the employee gave me comes with a XXXX dollars Overdraft fee and he never told me about it, it was supposedly better for me and now I see Ive paid 2 Overdraft fee in XX/XX/XXXX in  XX/XX/XXXX in XX/XX/XXXX. Which means {$150.00}, In XXXX when I found what was happening I started changing my paycheck to another bank and I called to customer service to inform about this and claim the funds once nobody told me and I felt abused, but they told me that I should go to the branch and put the claim there, they cancel my debit card stating that once the close the account I couldnt get any money back. I went to the branch one day and Ive waited for 20 minutes while the person at the door could find someone who could take care of me and they were just in the back talking and talking and then Ive been told I could wait until the same financial advisor could talk to me. By the way not in a nice way. 
I dont understand why they didnt help me and customer service just said they couldnt either.
Product: Credit reporting

During my duties as a XXXX of XXXX, XXXX, a XXXX company on XXXX XXXX, XXXX of my duties was to perform company vehicles purchase. I quit to my duties on XXXX, XXXX on XXXX, 2014 and leave to work for another company on the state of XXXX. In many occasions I requested to XXXX XXXX XXXX to release my name from that account due to those purchase were perform as a company representation. Even the name on the account is the corporation but they keep saying that I will be responsible even if I transfer the account to another person on the corporation or that I can sell the vehicles to the corporation, that is something that does n't make sense because the vehicles are already at the corporation name. 
I am requesting to XXXX XXXX XXXX to remove any negative information on my credit report.
Product: Debt collection

Williams & Fudge has been attempting to contact me for perhaps a year about a debt that I supposedly owe ; but since they've been leaving voicemail on a phone I rarely use, I've let it go until recently. ( I've blocked the number, but that doesn't stop them from leaving voicemail, unfortunately. ) A month or two ago, they sent me a letter that said I can either dispute the debt ( and gave me several options to check as to why I was disputing it ) or ask for details on the situation. I checked " I don't owe this debt '' ( or whatever was similar ) and attached the slip to a detailed letter saying why I felt I didn't owe it. In it, I stated what I believed the debt to stem from, the fact that they were outside of the statute of limitations in three different states ( the state I reside in, the state the school is in and the state the lender is in ) and the exact legal citations pointing out the statute of limitations in all three. I also said that in the unlikely event I'm not outside the statute of limitations, Williams & Fudge still won't be able to collect a debt off me, as I am on XXXX and only federal student loans can garnish that, not private. I sent the letter and assumed that would be it. 

Earlier this month, I received a large manila envelope ( with no return address ) with a thick sheaf of paper. The cover letter said it was from Williams & Fudge and it was the details of my debt, complete with credit reports for my cosigner and I and paperwork I don't remember signing. ( I, in fact, did not physically sign these papers ; they were marked with a digital signature, so I have no way of proving that they were not forged. ) There was also a pair of affidavits noting that disclosure statements for both my cosigner and I were missing from the file. ( I think this is detrimental, but I can't say for whoit may, for example, state the length of time it takes for the debt to go default, so I may not be outside of the statute of limitations after all. 

I did not ask for this waste of paper ( and it was truly a waste, because there were multiple copies of several things and no clear reason why there was ), and the only thing I learned from itbesides the fact that no one read my letteris that they were pursuing a debt from a different school than the one I wrote my letter about. Regardless of which school, the statute of limitations has expired and they need to stop calling me and sending me junk.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which an
tedates the report by more than seven years. 15 U.S.C.
1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX   XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  Company Inquiries XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX/XXXX  XXXX XXXX XXXX
Product: Debt collection

In light of these violations, I insist that you promptly delete all these collection accounts from my credit report.
Product: Credit card or prepaid card

I have a recording of this call saved on my phone. 

On XX/XX/18 at XXXX, I called to make sure my entire balance was paid off. 
I spoke with a representative from Citi who told me that : A ) my automatic payment could not be increased to pay the full balance B ) that if I had an automatic payment, it would pull money each month even I didn't have a balance (???? ) C ) that he would make a payment ( which he NEVER did ) Now I have a late payment. I am very concerned that this behavior will continue to innocent consumers.
Product: Checking or savings account

On XX/XX/year> I received a notice of a suspension of my account. I called and was advised to send copies to secure docs of my license, ss card and bank statement showing address. I did and received confirmation of receipt within 30 minutes. I have called 10 times to get information only to be told to wait for an email first 48 hours then 72 hours, now no time frame. I contacted the housing bank Community and was told if could not get help call them back, they then would research the matter as they have several other complaints like this. My information address, phone email ect. have not changed since opening of this account. I have my SS direct deposit with you also. My rent is due with 4 days and I need my money freed up.
Product: Debt collection

They provided their proof of the debt, but it still isn't fully correct. The debt has been bought and sold over several years by many collections agencies and the debt amount keeps increasing. The original debt was less than {$1200.00}, but now the debt is almost $ XXXX. The debt was from a credit card I had in my name, and my ex husband had forged my signatures etc and caused the debt. I did not learn about it until after our divorce was finalized. And that debt is well over 15 years old.
Product: Credit card

On XX/XX/year> I accessed my credit card to set up payment and my account was restricted. I contacted Capital One on XX/XX/year> and I was informed my account was closed due to a bankruptcy. I then requested a copy of my statement. The representative advised me a request would need to be submitted and will be notified by email when I will be able to access my account to obtain my statement. I never received an email. I contacted Capital One again on XX/XX/year> and received the same response that I can not access my account due to a bankruptcy and that I will receive a statement. Apparently the company realized the error and reopened my account without notifying me of the changes. Due to their error and restricting the account the last payment made was on XX/XX/year>. Because I was not properly notified of the account closure and the reopening of the account with restrictions, Capital One assessed late fees for non payment. On XX/XX/year> I made a payment of {$1000.00} and my account is again listed as restricted. I contacted Capital One XX/XX/year> and advised that my account be restored or will file a complaint.
Product: Credit reporting or other personal consumer reports

Transworld Systems Inc responded to my CFPB complaint with insufficient evidence regarding the account XXXX. I instructed this company to verify that I have entered a legally binding consumer credit transaction with Transworld Systems Inc. They have not provided that however they have submitted pdf documents of information they received from another company in which that does not prove XXXX owe XXXX anything. Now according to 15 USC 1692 ( f ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. The document I received violated this law along with 15 USC 1692 ( e ) ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. This company has not verified the debt nor can they provide first hand knowledge regarding the account. I have contacted you multiple times to give you a chance to rectify the account in question your willful noncompliance will be considered aggressive and you will be liable in a court of law.
Product: Money transfer, virtual currency, or money service

I was attempting to use Wise Inc services to make a domestic transfer from one personal account to another. However, the cancelled my transfer and requested that I submit information regarding how I get paid. Now, this is not a banking company and under privacy laws, I feel I have no obligation to provide such information to them. However, as a courtesy only, I did provide the requested information to them. After submitting that information, they claim that it's still not enough to verify my transfer. Although, at account creation I legally verified who I am and they did not require this separate information from the start. The amount in question equals {$10000.00}. They are now withholding this money from me and keeping it captive in my account with them. I feel they have absolutely no right or reason to do so. They're claiming security measures but I think that is just a rise for them to commit Grand Theft against me and take my money. I attempted to file a police report, online, with the XXXX XXXX XXXX, since their address is based out of New York City, New York. However, upon submitting that report, the online form stated that it's not a valid address. Therefore, I believe fraud is afoot and that this company should no longer be allowed to conduct business with XXXX on or offline! I have gone through major frustrations trying to resolve this matter with them and to no avail will they relinquish their hold over my funds. Please, I need some serious help in recovering said funds from them. Any additional information that you need, I will be more than happy to provide. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I got a call from XXXX XXXX, a person impersonating as a Police officer extorted money from me. He told me my XXXX  was under check and I was a criminal. Failing to comply will result in prison for at least 5 years. I made Chase know about this situation and the unauthorized charges but they refused to register the charges as Fraud. 

I have also filed a police complaint with incident # XXXX and # XXXX and below are the transactions. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For months, i have been asking XXXX  & XXXX  to comply with my disputes. Both companies are reporting a bankruptcy on my credit report. Both Companies have said they verified their information from LEXIS NEXIS. However not only is it an FCRA violation to seek information from third parties companies, Lexis Nexis has already sent a letter to me saying this information was UNVERIABLE and is NO LONGER in their system. However BOTH companies are still saying they verified the information from lexis nexis. 

furthermore, its been months of the same thing, and i have had no choice but to hire an attorney to initiate a law suit against the non complying company.
Product: Credit reporting or other personal consumer reports

Capital One- account was charged off and closed in XXXX as bad debt. Requested 1099-C, company still trying to collect after charge off. Reported payments incorrectly. For example, Last payment reported to XXXX on XX/XX/XXXX, but reported to XXXX with the date of XX/XX/XXXX. Also, per the GLBA, consumers must be given the opportunity to opt out of having their personal information shared with nonaffiliated third parties. The failure of Capital One to provide this notice compromises my rights and exposes my personal information in a manner that I do not consent. 

er the GLBA, consumers must be given the opportunity to opt out of having their personal information shared with nonaffiliated third parties. The failure of Capital One to provide this notice compromises my rights and exposes my personal information in a manner that I do not consent. 

XXXX XXXX account was charged off. Requested 1099, company still trying to collect after charge off. Disputes with company for fraudulent reporting, company did not attempt to fix issue they just reported that an update was made to the credit reporting agencies. Also requested that per GLBA, to removed the account from my reports as they did not provide an opportunity to opt out.
Product: Debt collection

Our lease expired on XX/XX/2018. We had contacted the office to ask if we could lease on a month to month basis as our home was not ready. We in fact did not need to go month to month and moved out of the apartment before our lease was up. We had signed our notice to vacate 3 months prior. We did not sign a renewal on our lease. We are not responsible for the amount owed.
Product: Debt collection

i was looking at my credit report and i see a collection on my credit report and its affecting me from getting my life together. i would like verification of the this debt.
Product: Credit reporting or other personal consumer reports

I went to check my XXXX score from the bank. I notice it took a hit so I look at credit report. There I discovered XXXX XXXX put a claim against me. I know this is false because I have had/ have XXXX for close to 14 years. It also showed I lived in California ; which is incorrect also ( only lived in XXXX states since I was born ). Both states are east coast. The day it was opened was XX/XX/XXXX, I have bank / debit information showing I was in town at that time. When me and my wife upgraded our phones late XXXX XXXX had us show Drivers License, XXXX bill, etc. And had to sign tablet for contract. I can/ have provided where we pay for phones, cable, & internet with XXXX. When I contacted XXXX, XXXX, and TransUnion they all said it was accurate. They need to show proof. I never would have thought how little the credit agencies really do not want to do their job. i will seek legal coucel to go after all XXXX companies that need to do better.
Product: Payday loan, title loan, or personal loan

I took a an installment loan with American First Finance back in XXXX. I made all of my timely payments and when I called them to give my new card information they advised me it would be updated right away for my next payment for the following month. When the month rolls around and I notice that payment was not taken I called them to get issues resolved. I was told by a representative by the name of XXXX that someone would call me back with an update of why my account was not updated with correct card. As days went by I decided to call back and each time I called I was told someone would reach back out to me. It never happened and when I saw the company reporting on my credit report to XXXX I called American First Finance and requested they fix the issue and remove the negative late payments off of my Transuion report. They advised me it was an error on their part and update with XXXX. It has still not been updated and I ask to speak with a supervisor they never put one on the phone. I was told to send a dispute letter the company and they would research it and fix the problem. They sent me a letter stating they were reporting accurately which was incorrect. I asked then to listen to the calls that I made and they stated there were not any phone calls recorded. This has caused XXXX XXXXXXXX and preventing from trying to save our home because of negative account information. The company is located at XXXX XXXX XXXX XXXX, TX XXXX. If they do not update then I will seek legal counsel.