23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was billed twice for XXXX XXXX XXXX for XX/XX/XXXX season. 

I have been double billed for my XXXX XXXX XXXX account for XXXX. 

Initial charge was on XX/XX/XXXX XXXX XXXX XXXX XXXX - SEASON XXXX CA {$99.00} Subsequent charge was on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX {$99.00} I have written XXXX emails to XXXX XXXX XXXX support at XXXXXXXXXXXX I have also disputed the charge with XXXX twice and had long discussion with them for second dispute. The second dispute was denied today as they said it was not the same merchant. That an online merchant could use multiple billing methods seems beyond their comprehension.
Product: Payday loan, title loan, or personal loan

I was contacted by Lending Tree stating that I was approved for {$3000.00} and that they would be depositing insurance money in my account and I would have to go to XXXX XXXX to purchase a sponsored prepaid debit card for the amount. I was at work during the time and expressed that to the loan officers " XXXX XXXX '' and " XXXX XXXX '' but before I could get off they had called the police on me stating that I had run off with federal funds. All they did was break into my account and reverse a ton of transactions to equal {$1300.00} I called the gentlemen back at XXXX and he asked me to purchase a {$500.00} XXXX gift card which I did from XXXX because this company had called my local police department on me and I was terrified. 

I spoke with XXXX XXXX and asked him to take all of this money back because now I am terrified that I have committed a crime. 

He asked me to XXXX XXXX the remaining balance of {$800.00} to $ XXXX XXXX XXXX XXXX XXXX. XXXX XXXX kept declining the transaction stating it was fraudulent. 

My bank ( XXXX ) will not allow me to receive instant payments via XXXX XXXX but the Loan Manager XXXX XXXX asked me to XXXX XXXX back to myself. I explained to him that my bank won't allow me to receive instant payments it would be 24- 48 hrs before it would post. He then says I will put the money back in your account don't worry about anything.
Product: Student loan

My loan is with Navient ( XXXX ) My first complaint is that when my daughter was in the military and the military was going to pay off her student loans my daughter and I asked Navient to release my name from the loan so it could be paid off Navient refused. Therefore the military could not pay it off. 
My 2nd complaint is that I 'm a public school employee so I contacted Navient about getting on the loan forgiveness program and Navient said I would have to pay more on my monthly payments to be in the program but financially I could not afford to do so. 
Lastly when I was forbearance I was charged interest. 
The payment plan I 'm on will result in me paying approximately 51 thousand dollars by the time I 'm done which is almost twice as much as what my original loan was.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

XXXX  Account # XXXX  has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I, XXXX XXXX, the consumer never gave Equifax any written consent to report anything on my consumer report. I explained this in depth in my dispute letter and Equifax still decided to post these accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Massive data breach involving consumers personal credit information by Equifax!! Ridiculous and this needs to be addressed and a reckoning. I am dumbfounded how my personal information could be compromised by a large credit reporting agency and expect something to be done about this.
Product: Mortgage

On XX/XX/XXXX I acquired title to property located at XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. This property is encumbered by a first mortgage in the amount of {$100000.00} assigned to XXXXXXXX XXXX XXXXXXXX XXXX XXXX. Since XX/XX/XXXX, I have contacted via email said bank to obtain account information in order to make payments. On the same date, XXXX XXXX, Property Account Compliance Administrator of XXXX XXXXXXXX  told me that we should contact PHH Mortgage, servicer on this loan. Since that date, we have spoken and written to PHH Mortgage Corporation in countless occasions asking for the account information to no avail. Florida Statute 701.04 provides that a record title owner of a property shall be given this information and even after obtaining a third party written authorization by previous owner and original mortgage debtor, which was sent to PHH, to this day, more than two years after my initial request, the mortgage lender won't provide the information on the account to me, the title holder. 
By not providing the detailed information to which as title holder I'm entitled according to the preceding statute, I'm not only being prevented of the sale of the property, but also being harmed by unnecessarily increased charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one bank USA account XXXX not showing on XXXX  credit bureau. This had been removed since XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems LLc XXXX XXXX XXXX XXXX XXXX, MN XXXX REF # XXXX NOTICE TO, CEASE & DESIST COMMUNICATION AND COLLECTION ACTIVITY UNDER FDCPA AND SOCIAL SECURITY FRAUD CEASE & DESIST COMMUNICATION AND COLLECTION ACTIVITY UNDER FDCPA This constitutes as first written communication for the record, and this is not a validation request so do not send any validation, if you do I will TAKE LEGAL ACTION AGAINST YOUR COMPANY under the FDCPA for false and misleading representation 15 USC 1692e ( 10 ). Jefferson Capital are indeed third party debt collectors under the very definition of a third party debt collector in accordance with 15 U.S. code 1692 ( A ) ( 6 ), and are subject to the civil liability within The Fair Debt Collection Practices Act. Lets be honest, if this debt was valid you would not be sending me a collection letter assuming the debt was valid now would you?. Pursuant to 15 USC 1692c ( C ), Jefferson Capital is hereby on notice to cease & desist communication and collection activity immediately or I will take legal action under the FDCPA 15 USC 1692k ( a ) ( 1 ) ( A ) {$1000.00} US and I only need to show one violation to establish a FDCPA claim. See 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 gave no value to any security and have no attachment and enforceability of a secured interest in accordance with XXXX XXXX XXXX ( b ) ; Jefferson Capital have no original contract or promissory note ; you are no contract assignee holders in due course in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). FOR THE RECORD, Summary of accounts are not a valid claim to defame my character, if I am denied credit or employment based on third parties misleading representation and defaming negligence will be a cause of action. See United States XXXX XXXX XXXX, XXXX XXXX, Case No. XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX. Jefferson Capital, you DO NOT have my CONSENT to use my social security number for commercial gain acting as XXXX of my services, you are committing fraud and Identity theft and I will contact the office of Inspector General XXXX and file a report with the federal authorities. I demand you provide the following documents immediately if you continue to use the fiction name for your entitys personal commercial gain then ; Send a copy of your Commercial Bond and Oaths to do business in the State of Georgia ; provide name and address and phone number of the Underwriter of your bond ; provide name, address, and phone numbers of the owner ( s ) of Jefferson Capital ; Provide name, address and phone number of your insurance company
Product: Debt collection

NCB Management services has refused to supply proof of investigation of a fraudulent Acct # XXXX I have written NCB Management services on several occasions. They have responded and told me that they will not reinvestigate the matter. Under section 616 of the FCRA XXXX is required to supply proof and method of their investigation. NCB Management services has yet to abide by the law. This blazing attack on my credit worthiness has caused me great financial harm. Therefore, I'm giving one final goodwill reach out before suing under section NCB Management services also claimed to CFPB that they need approval for account due to me listing another source on the complaint. This is not true NCB Management services has again used another stall tactic in order to circumvent the law. XXXX XXXX XXXX has full authority to access my account just as much as they have allowed an erroneous account to be reported without any true verification. 

This is another stall tact NCB Management services XXXX XXXX XXXX has had ample time to correct this erroneous information. They have yet to send me document level information baring my signature. I request that NCB Management services send this document from their address showing proof NCB Management services has in possession of any document baring my signature. I do not consent to any form of electronic investigation using XXXX XXXX or any other data collecting firms that also have erroneous information NCB Management services actions has caused me financial damage and credit worthiness. I plan to pursue every legal action available to rectify this problem. Including but not limited to civil lawsuit.
Product: Debt collection

Company responded to last complaint threatening to sue. Ironically enough they share the same address with the attorney ( is this even legal? ) something is a little off about all of this - the company needs investigated. 
Also - they threw Kansas Statutes Annotated 16-201 in my face for interest however, it states NO MORE than 10 % per annum - according to their response to me the debt isnt even a year old and theyve racked up almost 12 % in interest fees already. 
Id like more information regarding the debt in question, as I believe its less.
Product: Credit card or prepaid card

Wells Fargo through its GoFarRewards Program offered me a promotion whereby I would receive XXXX GoFarReward if I enrolled in the promotion and made a purchase with XXXX XXXX greater than {$100.00}. 

After enrolling online, on XX/XX/2019, I made a purchase with XXXX XXXX for {$100.00}. 

Since then, Wells Fargo has refused to honor the terms and conditions of the promotion stating I never enrolled in the promotion. This is blatantly false and an attempt to not honor the promotion.
Product: Checking or savings account

On XX/XX/XXXX I made a bank account with Wells Fargo. On XX/XX/XXXX XXXX I deposited a check worth {$870.00} into the account. When I tried to take cash right after I deposited the check I was told to come back the next day. Then on the same day I received an e-mail that stated my account would be closing on suspicion of identity theft. The email said the account was expected to close by XX/XX/XXXX. Once I saw this email I went back to the physical branch the next day to ask what happened. They told me I would be able to make a new one but the first one would have to close. I asked about my money and they said as long as I get my money about before the account close everything would be fine. The money never got deposited into my account and then on XX/XX/XXXX I got an email saying my account was officially closed. When I saw this email I went to a branch to find out what happened to my money. I had to wait in line for an hour if not longer only to be told to call the loss prevention phone number. I then had to wait on hold for over an hour before a representative answered and told me to go back to a physical branch and have them call the same number they gave me and then they would co-ordinate what to do to solve the issue. The 3 weeks that followed were me trying desperately to retrieve my money as the bank gave me excuse after excuse like " There's a hold on the account, '' or " we have already mailed the check. '' Finally I decided to go one last time and say I wouldn't leave until I got my money. After waiting in line for almost an hour and a half, I had to beg the teller not to send me home empty handed. She then told me if the money didn't reach the account it probably wasn't deposited and I should go to my employer and ask for a new check. I then went to my employer and was then told the check had been deposited and there was nothing they could do for me. So here I am now over three weeks later being told I have to wait for a letter which I've been told was either never mailed or was mailed 2 weeks ago. I have been stressing over this for three weeks now needing the money to contribute to my rent. It is utterly absurd that this happened in the first place and it is unacceptable how the people at the bank handled it.
Product: Debt collection

While attempting to apply for a home loan, I was informed that XXXX XXXX XXXX had sent an unpaid bill for {$210.00} assigned to me to Franklin Collection agency, case # XXXX ( XX/XX/XXXX ). I never received written notice by either XXXX XXXX XXXX or Franklin that I owed any money. Also, when I contacted XXXX XXXX XXXX to explain and itemize services performed for this bill collection representatives had no record of this account ( XX/XX/XXXX ). I submitted a written notice of dispute to Franklin on XX/XX/XXXX. 

I followed up by contacting ( XX/XX/XXXX ) and requesting Franklin to explain and itemize services associated with this account and have yet to receive correspondence. However when I asked why my credit rating was lowered for a charge I hadnt received, Franklin customer service admitted the billing address on file for this account was not my mailing address. In addition, the filed address they provided is actually not a valid mailing address according to the US Postal Service. It is important to note that the invalid address Franklin had on file was provided to them by XXXX XXXX XXXX. 

I am currently an XXXX XXXX XXXX customer with current contact information on file. I have never missed a payment for any bill sent to me by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau Experian, XXXX , & XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. Experian, XXXX, & XXXX has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the XXXX law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the XXXX law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Experian, XXXX, & XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 



I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile.
Product: Student loan

Dear Navient formally Sallie Mae, After my Dad finished settlement with you over my Law School loans that were originally in my name, but after I tried on numerous occasions to get a copy of my loan agreement from you, You decided to fraudulently start sending him bills for my law school loan, thus ending up in settlement, which you lost, and during that period of settlement, You we're allowed to obtain control of my XXXX loan that was currently being managed by the Department of Education. 
You then amped up my interest, royally XXXX  my credit, and refused any settlement offer. 
Having no choice, and knowing that I was being punished by You, because my deposition in the case my Father brought against you was key to bringing you to your knees in humility, I scraped and borrowed and used everything I had to pay you {$35000.00}, for an original loan balance of {$12000.00}. I knew after having dealt with you before, that I was just a spec on your XXXX. Thus, also knowing that every day you were in control of my student loan debt, that dollars upon dollars would continue to mount in interest and I would just be further under your control. Thus, I paid You off!! In full. And even complained to the department of education about all the extra interest, but to no avail. 
But even after that, my dept I had to you is still being reported as current to other lenders trying to offer my student consolidation loans. Even the three credit agencies have still been reporting my debt to you for 5 years after I paid it off. 
And the icing on your cake was never delivering to me my 1045 - 1049 IRS form so I would recoup what amount of interest I had paid to you.. 
So after all of these unscrupulous wrongs to me, I am now coming for you. Your wicked ways have escaped justice for too long. I am strong, and I'm back to cut off the head of the evil money grubbing monster. You have somehow managed to escape regulation and oversight from the United States Federal Government. You will suffer me.
Product: Checking or savings account

A fraudster gained access to XXXX XXXX 's email account - and, in turn, accessed his Wells Fargo account ( he was using the same email and password for both ). On XX/XX/XXXX, the fraudster deposited a {$4500.00} fake check ( I can supply a copy of the fake check that Wells Fargo Fraud Department sent to us ) and then withdrew {$1000.00} via XXXX to XXXX XXXX XXXX XXXX on XX/XX/XXXX and {$500.00} via XXXX to XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX. The fraudster also accessed XXXX XXXX XXXX app and sent {$500.00} as " Purchase Authorized on XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX CA XXXX Card XXXX ''. 

We reported the theft on XX/XX/XXXX when my son received notification that his account was in the negative and reported the crime immediately to Wells Fargo. We are dealing with Wells Fargo now, and have also filed a claim with the XXXX XXXX Police Department ( CONTROL # XXXX ). We have not heard from the police though XXXX has called them numerous times with no response. 

Wells Fargo has credited us {$500.00} for the XXXX transaction, but is refusing to credit XXXX the other {$4000.00}, so XXXX has not had access to any of his other money that was in the account before the theft. Wells Fargo has denied our claims TWICE so far, without looking at his affidavit the first time... 

XXXX completed and signed an affidavit attesting to the fact that he did not do any of the fraudulent transactions nor did he allow or permit anyone else to do the fraudulent transactions. XXXX does not know who did this nor does he know XXXX XXXX. 

We are requesting that the FBI, Wells Fargo, the police... anyone who has the authority, to please find the fraudster and prosecute to the fullest extent of the law. We also are begging Wells Fargo to credit XXXX XXXX account so that he can access his hard-earned money! Wells Fargo has been exceedingly rude and disrespectful, never calling us nor following up with us to let us know they were denying our claims or why. We have deposited our paychecks into our Wells Fargo accounts because we had trust in them that our money was secure, yet they refuse to give us the same courtesy back to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XX/XX/XXXX XXXX XXXX put on my credit report a charge off for {$4000.00} dollars i do not owe XXXX XXXX any money and i want this off my credit report and i had a XXXX credit score and this situation dropped my credit score down to XXXX so i am making this formal complaint of unfair business practice 's especially in theses difficult times i take pride in my credit and i feel there is malfeasant 's going on at XXXX XXXX!!
Product: Debt collection

I sent a piece of certified mail to BANK OF AMERICA on   XXXX   XXXX  , 2017 and it was received by BANK OF AMERICA on   XXXX   XXXX  , 2017.. This demand letter for specific validation was never responded back to within 30 days of receipt of my certified letter. BANK OF AMERICA is in violation of my rights under the FAIR DEBT COLLECTION PRACTICES ACT. I then sent a certified letter back to BANK OF AMERICA on   XXXX   XXXX  , 2017 and it was received on   XXXX   XXXX  ,2017 informing them that they did not respond back to my direct validation dispute and they are required to remove this from my credit immediately. Currently BANK OF AMERICA is still on my credit and they will need to remove this trade line from my credit immediately.
Product: Vehicle loan or lease

Request for Accounting under Article 9, Section 210. 

since XX/XX/XXXX my Balance does not seem right XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX as to XXXX they call on sundays and throughout the week until I complained to the federal telephone. 
The fees they charge {$25.00} per month from XX/XX/XXXX was unfair as they never sent the coupon or statement where to mail the check. 

The care dealer sold the cheapest and oldest cars in their inventory at the highest markups and was never listed or out in the car park it was just brought to the front and I was told this is it and I was in real need of a car. 

The markups from the dealers ( XXXX XXXX ) was based on my credit. 
They are trying to put me into a borrower defaults. By Adding the missing XXXX payment. 
According my credit report I have paid every month. 
Credit acceptance is in a practice with dealer to hold false advertising, fraud, deception and violations of the Truth in Lending Act. and misrepresnted my mileage on the car when I bought it and lack of disclosure, and overcharged and spiked the interest rate.
Product: Debt collection

Debt collector is withholding insurance proceeds of {$8100.00} from me. It was my insurance policy. I put money out of my pocket to pay for the home repairs after the Hurricane and I am the one who negotiated with the insurance adjuster, met the follow up inspector and submitted my claims for the recoverable depreciation. The {$8100.00} collected is due me - the consumer - not the 3rd party debt collector. Each check sent in was done so via Special XXXX XXXX XXXX for the benefit of the beneficiary, ie me. Please help me get this returned. I am submitting this request in a good faith attempt to resolve this issue administratively. If necessary, I will go to court next. Thank you kindly, XXXX