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

I was denied access to my bank funds and I received treatment that I believe to be discriminatory. On XX/XX/22, I went to the same Bank of America Branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on two different occasions. The first occasion was to get two rolls of quarters to wash clothes. I was waited on by XXXX XXXX. I was informed that I can only receive one roll of quarters. The excuse I was given was the coin shortage. I shared information from the FDIC that there was no longer a coin shortage. I also requested the written policy and protocol on receiving rolls of quarters. I was told there wasn't a formal policy and I was given the option by XXXX to either receive the one roll of quarters or to withdraw all the money from my bank account. 

I waited and spoke to the Branch Manager ( XXXX XXXX XXXX ) to no avail. I took the roll of quarters and left. I needed additional quarters to wash my clothes, so I returned to the bank later that day. I made a request to withdrawal {$950.00} ( waited on by XXXX XXXX XXXX ). XXXX processed the withdrawal ( withdrawal slip attached- please note that when I requested the slip XXXX XXXX it out before giving it to me ), but when I requested to receive the amount in quarters, he refused to give me the funds and reversed the transaction. 

I feel it's unjust under Availability of Funds and Collection of Check ( Regulation CC ) [ Federal Reserve Board ] for Bank of America to process my withdrawal for {$9.00} and refuse to give me the funds because of the legal tender that I want it distributed in. The {$9.00} withdrawal was not a roll of quarters. Under the direction of the Federal Reserve Board, I believe a consumer should have the right to access their available bank funds. 

I felt their actions on both occasions were discriminatory based upon the fact that I'm XXXX XXXX and several of my XXXX and XXXX neighbors ( who also need quarters to wash their clothes ) received more than one roll of quarters from this branch. In addition, XXXX stated the branch must follow rules ; however, according to the branch rules, the branch closes at XXXX XXXX. XXXX, XXXX, and XXXX disregarded this bank rule and allowed XXXX XXXX customers to enter the bank after hours ( one around XXXX XXXX and one around XXXX XXXX ) to process their request. 

When I expressed my concerns of discrimination to XXXX ( the fact that the " branch rules '' were not being enforce equitably between XXXX  and how my XXXX XXXX XXXX neighbors received more than XXXX roll of quarters on several occasions ), XXXX gave my the additional roll of quarters ( after two trips and about an hour of waiting ). However, XXXX told me not to return to the bank.
Product: Credit reporting or other personal consumer reports

I asked the XXXX XXXX to do a verification of everything on my XXXX XXXX and they did, they stated that everything was accurate. I then did a through research myself and found improper inaccuracies on the credit report after the bureaus through investigation. All XXXX XXXX are reporting different scores and accounts which is XXXX 

" I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit card or prepaid card

I have made a purchase on XXXX site on XX/XX/XXXX. Subsequently have returned the merchandise as per Return Policy and requested a refund. However the company issued a Partial Refund. So I started a Dispute with Chase Credit Card on XX/XX/XXXX. As of now, there is no action whatsoever on my Dispute. As I have returned merchandise in the Unworn condition and have acted strictly by the Return Policy that I still have a screenshot of, I am requesting a Full Refund, yet Chase is n't moving. My Dispute is for the balance of the purchase in the amount of {$57.00}.
Product: Credit reporting or other personal consumer reports

This debt is showing on my credit report as a charge off. This account was included in bankruptcy and was paid in full when the car was totaled in 2019. The account was showing correctly for years and suddenly was reported as a charge off. I sent multiple requests for debt validation via certified mail : XXXX, received by XXXX  XX/XX/XXXX XXXX, received by XXXX  XX/XX/XXXX XXXX, received by XXXX  XX/XX/XXXX I also included proof of bankruptcy and the insurance information verifying the loan was paid. Per the Fair Debt Collection Practices Act a debt can not be reported if not validated. The 30 day timeframe has elapsed with XXXX response to my requests. This is debt parking. The statute of limitations has passed for this debt, 4 years for auto debt, in the state of Indiana. 

Numerous complaints exist for this company for their unethical practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding LLC C/O Resurgent Capital Services, XXXX XXXX XXXX, XXXX SC XXXX is reporting a collection account against me on my Credit Reports for an account originally belonging to XXXX XXXX XXXX with an account number ending in XXXX. I have never opened an account with XXXX XXXX XXXX. I believe an ex used my personal info and opened an account perhaps. I have never opened an account with XXXX XXXX XXXX so I demanded proof of my owning the account. Since I never worked with them, I know that there can not be proof. Proof of ownership has not been provided, yet they still will not delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an old account with XXXX XXXX as a charge off. The account was paid in a settlement and should reflect paid as agreed and Is Not a charge off account Both XXXX and XXXX have this reported correctly. 
Equifax has stubbornly and unjustly refused to address this simple issue. 
They seem to be trying to punish me because I have taken steps to correct this.
Product: Debt collection

I have no contract with this company. I send them a letter verified requesting debt validation. I requested for the original contract bearing my signature and also my letter asked to show proof that the debt was under limitation. Also I requested proof of the collections agency being licensed for my state. According to the contract send by XXXX they are reporting outdated information falsely re age this account to collect. This collection agency has re aged this account according to the original creditors date of first delinquenc in a letter they send me.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 states a consumer reporting agency can not furnish a account without my written instructions u.s.c 168 ( c ) a 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information another adverse item of information other than records of convictions of crimes which antedate the report by more than 7 years 15 u.s.c 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has responsible cause to by liens that the information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions inc XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I would try to dispute a charge and it would take me to support from an ai and wouldnt let me get my money back that i was wrongfully charged for
Product: Mortgage

On XX/XX/XXXX Select Portfolio Services offered me a repayment plan with the following details : {$3300.00} for 6 months and {$70000.00} balloon payment. The 1st payment will be due on XX/XX/19. This information was provided by two representative of Select Portfolio Services, XXXX XXXX and XXXX XXXX who represented themselves as 'Supervisors '. However during this time that I was under review for a Hardship program, Select Portfolio Services was pursuing a foreclosure date of XX/XX/XXXX. I understand this is a violation of Federal Dual Tracking law that a lender can not pursue foreclosure while reviewing a homeowner for a loan workout program. Because Select Portfolio Services was illegally pursuing foreclosure for the next day, I was forced to file bankruptcy to save my home. Now they are telling me the repayment plan has been cancelled because of the bankruptcy. The bankruptcy I wouldn't have had to file if Select Portfolio Services hadn't violated Dual Tracking law. 

Select Portfolio Services currently has a sale date on my home for XX/XX/XXXX even though I am protected by Bankruptcy. They sent me a letter stating the home was protected by a 'Stay ' but have a sale date anyway. I understand this violates US Bankruptcy law as well as the Fair Debt Collection Practices Act. We were told this by Select Portfolio Services representatives XXXX XXXX on XX/XX/19, XXXX XXXX on XX/XX/19, and XXXX XXXX on XX/XX/19, all of whom represented themselves as supervisors. They refused to recognize there was an illegal sale date and simply told me they would look into it and get back to me. I never received a call from anyone at Select Portfolio Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items or have Experian get back to me with regards to the issue. Here are the items that concern me :
Product: Student loan

My student loan has defaulted and gone to a collection agency : Allied Interstate. I received a statement from said collection agency on XXXX/XXXX/2016 stating that my balance was {$11000.00}. Three days later, I received a statement from the Federal Offset Unit stating that my tax return had been offset in the amount {$9800.00}, with the amount of {$9600.00} going to XXXX XXXX XXXX, the creditor, for payment on the balance of that loan. I just received a statement today, XXXX/XXXX/16, from Allied Interstate with a new balance of {$7900.00}. According to them, only {$3400.00} of my offset went towards the balance. I called Allied Interstate to ask where the rest of the money went, and a representative told me that there were possibly collection fees and interest, but he could n't tell me how much and he could n't provide me a written statement. He then gave me the number to contact the creditor for any further inquires. I then contacted XXXX XXXX XXXX and requested the balance. A representative told me that my balance was {$77.00}, and that amount was all that I was required to pay. They are sending me a statement with the payment and balance as proof. If I had not contacted them, Allied Interstate would have proceeded with garnishing my wages at XXXX % for a debt that they could not verify.
Product: Credit card

I contacted Barclays several times to find out why my Frontier airline account did not receive XXXX XXXX status and the 60,000 mileage awards after I fulfilled the terms of the agreement in XXXX XXXX. Around XXXX XXXX I found out that they ( Barclays ) had created a new mileage account number with Frontier airlines - I was not aware of this and that was not part of the credit card agreement. 

My credit card application used in XXXX XXXX had my Frontier mileage plus # on it. Because of their error, I was told I had to merge accounts : from the new one that I didn't create to the one I have had with Frontier for years. That took a week. 

Neither the credit card company or Frontier acknowledged the elite gold status until XXXX. Because of this I missed out on travel rewards and elite reward miles when I traveled in XXXX on Frontier. Frontier says that's because I booked the travel in XXXX, when neither company recognized my elite gold status. But if you ask them now, they'll say my effective date it is XXXX XXXX 

My take- this is fraud. I fulfilled the terms of the credit card agreement. And they got away with keeping the official date of XXXX XXXX as elite gold status without recognizing my flight in XXXX that should have been elite miles along with priority boarding, etc. It was not. And, no one contacted me directly to say that they had created a new mileage plus number away from the agreement- I found that out after extensive chats & calling. 

I researched this problem online on XXXX and found several customers of Barclays Frontier credit card had the same problem. And, each person had no idea that Barclays was creating new Frontier mileage plus numbers instead of using the existing number on the credit card application. 

I have contacted both Frontier customer service and Barclays customer service and neither will agree to the flight I took in XXXX as being elite. Nor will they change the elite gold status date to XXXX ( from XXXX ) to reflect their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the XXXX credit bureaus ( XXXX, XXXX and Experian ) disputing a collection account ( XXXX XXXX XXXX ). I asked for validation of this alleged debt for the past XXXX XXXX months. I got a written response from XXXX and XXXX stating the account was verified but no supporting documentation on how their company retained the results and Experian sent response vie email stating that their company verify that the account was accurate. I would like to see supporting documents of their finding when I received a letter dated XX/XX/2021 from XXXX XXXX XXXX that this company required the account from XXXX XXXX XXXX.
Product: Checking or savings account

I have already submitted a complaint about them cashing a check that they said was fraudulent and then closing my account after the fact and tryjng to tell me I am responsible for paying for it. Even though the check was never able to be cashed after the fact because it had already been processed.
Product: Checking or savings account

On XX/XX/2020, via MOBILE Deposit, I scanned and deposited MY IRS TX REFUND CHECK into MY Discover account ending in XXXX. Two days later, my account was locked and I have been unable to access my account. Can not log in online, can not call in, as I get redirected to some RUDE people, who will NOT tell me anything. They continue to tell me that my account was closed on XX/XX/2020, and that I would receive information or any money in the account after 60 days ... .UMMMMM WHAT?! 

I never received a letter, a call, email, fax or any communication from Discover Bank, in reference to my deposit being held, my account being frozen or ANYTHING. When I call in, I am told that - you have to wait, and there is nothing I can do about it - - I have the recording ... .RUDE! 

Well - as of XX/XX/2020 - 60 days would have been XX/XX/2020 or so. So I called again, SAME THING ... .RUDE, no answers, telling me to basically kiss off my account and MY money ....!!!!

SOOOOOO Done ....

If they claim ( LIARS ) that they sent me something in postal mail, I want copies - again I want proof they sent me something ... 

Their actions are punitive, and I want my funds WIRED into another account I designate ... .IMMEDIATELY - I quite prepared to take this to court ... .My refund check was in excess of {$15000.00} - I also want all the interest they earned off MY MONEY - want all detailed accounting, showing what THEY earned from my money, and XXXX. Interest rate they will claim I earned. 

I consider what they are doing as misappropriation of funds, embezzlement and other major infractions. I want IMMEDIATE RELEASE of my money - wired - not by paper check - to an account I designate, within 3 days of receipt of this complaint. PERIOD..
Product: Debt collection

around XXXX I had a bank account with XXXX  XXXX XXXX  XXXX ACCT : XXXX ) which my card was used and over {$500.00} was spent without my authorization while I was sleeping in my bed around late 2018. My bank card was used with me being present and the it showed as a pending transaction is what I awoke to notifications on my phone. I called and reported it to customer service, and they found I was a victim of identity theft and returned my money. I withdrew my funds and closed the account the same month. XXXX  XXXX XXXX  did not close my account and allowed my account to accumulate excess fees which overdrawn the account after i called to close it months before being that I was an identity theft victim and never used my card but to withdraw from the banks atm only. I suspect someone working inside the bank 's branch was stealing customers account, bank card and personal information this is why I closed my account now I have a collection and ChemSystems for {$250.00} from XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, UT XXXX.
Product: Credit reporting or other personal consumer reports

My account with the company has always been in good standing, and I have never been late with a payment. I have a stellar payment history with XXXX XXXX, with all payments set up on Autopay. The reported late payment is due to a systematic error on their part in processing my payment. 

This is a clear billing error by the company and does not reflect my actual payment history, which is a violation of USC Code 1681eb. This mistake has significantly harmed my reputation, character, lifestyle, and family.

I demand that the late payment reported in the specified months be removed.

The company is not in compliance with 15 USC 1666b, which outlines the requirements for treating a payment as late. They reported my payment as late without following the law.

According to 15 USC 1666b ( a ), a creditor can not consider a payment late if they have not adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is sent to the consumer at least 21 days before the due date. 

The company failed to send the periodic statement and the necessary disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date in good faith pursuant to rule 1002, but this proof was never provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

Please remove the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I requested a copy of the certified letter and my signature to see if Lobel Corp to see if they even allowed me the opportunity to dispute this debt instead they responded by asking me for a police report or FTC REPORT?? I also noticed that Lobel Corp does not have licensing in the State of Florida to collect debt!! I need this fraudlent account removed from my credit report ASAP License/Registration # : XXXX Original Issue Date : XX/XX/2024 Regulator : California - XXXX License/Registration Name : Debt Collection License Resident/Registered Agent Company : Lobel Financial Name : XXXX XXXX Title : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ) ( SS # XXXX ) ( XXXX XX/XX/year> ) Contents of Complaint : This CFPB Complaint has been filed to request pursuant to FCRSA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit report agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an Auto loan open on XXXX XXXX at XXXX XXXX XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the Consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commision that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. My personal educational records were accessed and shared without my express written or verbal permission in violation of the Family Educational Rights and Privacy Act ( FERPA ). I have filed a formal complaint with FERPA directly. I urgently request that you investigate this happenstance. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and it is their responsibility to safeguard my information. 

My personal education records, including but not limited to Social Security Number, payment records, bank account information, bank payment records, and Federal Student Aid account details and records were accessed without my express permission by members of the Department of Government Efficiency beginning on XX/XX/XXXX. This information is included in my personal education records. My records were made available to employees/contractors/members of the Department of Government Efficiency ( DOGE ) commission without my written or verbal express permission. I became aware of the disclosure on XX/XX/XXXX, the date on which the information was made available, through newspaper articles via the media. I have had no communication, verbal, written, or otherwise, with any members of the Department of Government Efficiency ( DOGE ). I have not been properly notified or officially communicated with by any members of DOGE in any capacity. I believe that this improper disclosure of my personal information is a violation of the Federal Privacy Act of 1974. 

The following article titled " Inside DOGE 's takeover of the Education Department '', posted on XX/XX/XXXX and published by XXXX XXXX XXXX the access that the DOGE team was granted regarding files within the Department of Education. This article was written by XXXX XXXX and XXXX XXXX. The article details specific members of DOGE who have been granted access within the Department of Education 's email system, and provides additional details regarding XXXX XXXXXXXX XXXX access to the back-end systems of the ed.gov website on XX/XX/XXXX. The article specifies that sensitive personal and financial data from the Department of Education is being fed into artificial intelligence software by the DOGE commission. 
XXXX XXXX XXXX