23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I sent navy federal a remittance coupon with my beneficiary signature with the amount due on both of my credit cards ; my green go rewards visa and blue more rewards XXXX XXXX. they wrote me back saying the debt was valid and closed my account. also with the remittance coupon i sent a cover letter notarized stating their fraud when double dipping at n cest que vie trust. the definition of a bond and coupon and etc... they wrote me back saying the debt was valid. the obligations of the united states 18 usc 8 ; obligations of the united states includes, all bonds, certificate of indebtedness, national bank currency , federal reserve notes, FRN bank notes, coupons, united states notes, treasury notes, gold certifications, silver certificates, fractional notes, certificate of deposits, bills, checks, drafts for money, drawn by or upon authorized officers of the unites states, stamps and other representative of value or whatever denomination issued under the act of congress and cancelled united states. In lament terms I am a creditor cant owe debt only the united states. credit card defined under the truth in lending act 15 usc 1601. A credit card is any card card, plate, coupon book, or other credit devices existing for the purposes of obtaining money, property, labor services on credit. Navy federal is the original debt collector and credit bureaus are 3rd party collectors. congress said under 15 usc 1692 there is an 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, martial instability, loss of jobs, and invasion of privacy. 
IN ADDITION I DEPOSITED A CHECK INTO MY SAVINGS. NAVY FEDERAL STOLE MY MONEY FROM MY SAVINGS TO PAY THE CREDIT CARD AFTER THE LETTER WAS SENT. THIS HAPPENED ON XX/XX/2022. I called to have them reverse it they refused. the supervisor was nasty and I informed her that it was unlawful but she was adamant about it. She said it was legal. i explained to her that lawful and legal was not the same. she then proceed to send me the terms and agreement which does not apply here. I am not an employee. No policy overrides law. This grounds for a lawsuit. i also sent them another letter that was delivered express mail and received on XX/XX/XXXX stating I am the original creditor and they are the debtor. they should credit my account for 3 business days from the postmark. they have not done so. i sent them a notice of liability and the terms of conditions if they refused what will be the monetary consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

PennyMac Loan Services LLC filed for foreclosure in XXXX of XXXX. The case was withdrawn now they are claiming that i requested a reinstatement quote in a letter they sent out dated XX/XX/. And they are saying I owe them {$21000.00}. I never requested any of this information and I sent out a certified letter dated XX/XX/XXXX  with tracking number XXXX XXXX XXXX XXXX demanding they produce the document that they say I sent, them requesting a reinstatement quote. They sent me out another Foreclosure Notice instead of the proof I requested. I have no reason to request a reinstatement quote because the Foreclosure was withdrawn. XXXX XXXX XXXX XXXX. also has threatened me again with filing for foreclosure this is their lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes beginning in XXXX of 2022 in regards to inaccurate items on my credit report. It has been well over 30 days and I have yet to receive any investigation or verification results. In accordance to the fair credit reporting act this creditor has violated my rights. According to 15 USC 1681 602 states that I have the right to privacy, section 604 ( A ) ( XXXX ) No one can furnish information on my credit report with without my written instruction.
Product: Mortgage

We have a VA loan through Rocket Mortgage on our home which sits on 48.8 acres. The first part of this year we applied for and followed the process to get a partial release on 15 acres of the property in order to sell that portion to a family member. We completed everything required, paid all fees and the partial release was granted and the process was supposed to be completed in XXXX of this year. Fast forward to XXXX when our family member is working with their lender to get their financing and we discover that Rocket Mortgage never actually filed the Partial Release on the piece of property in question. Upon contacting Rocket Mortgage about this we were initially told that the reason that the filing had not been completed was because the fee we had paid had been applied in error to one of our mortgage payments and so the filing fee was still outstanding. We immediately paid the fee again and was told that the matter would be quickly resolved. We are now XX/XX/XXXX and the partial release still has not been filed. We have been in regular, almost daily contact, with Rocket Mortgage and have gotten nothing but excuses, finger pointing at other teams and stalling. We were provided with a Letter of Intent from Rocket Mortgage stating they did approve and intended to release the section of land in question, but the actual Partial Release still has not been filed. We have had the issue escalated to a supervisors but have been told by him that he can do nothing because he is at the mercy of the team that is supposed to be handling the filing. No one seems to be able to tell us who has our documentation, provide us with any copies of the Partial Release documentation or explain how or why this has not been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a Federal Trade Commission Identity Theft Report. The following accounts, public record and credit inquiries listed on my XXXX XXXX, Experian, XXXX credit report, are not my accounts, public record or credit inquiries : XXXX XXXX XXXX XXXX, {$370.00}, XXXX XXXX XXXX XXXX, {$3700.00}, XXXX XXXXXXXX XXXX XXXX, {$2000.00}, XXXX XXXX  Bankruptcy, XX/XX/XXXX, Reference Number : XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTIFIED THE CREDIT REPORTING AGENCY TRANSUNION THAT I AM THE VICTIM OF IDENTITY THEFT ON MULTIPLE OCCASIONS AND THE FRAUDULENT ACCOUNT STILL REMAINS ON MY CREDIT REPORT THE CREDIT REPORTING AGENCY TRANSUNION IS IN VIOLATION OF SEVERAL FCRA LAWS I HAVE SENT SEVERAL DISPUTE LETTERS VIA USPS MAIL AND ALSO SENT A SIGNED FTC IDENTITY THEFT AFFADAVIT I AM PREPARED TO TAKE LEGAL ACTION. TRANSUNION IS IN VIOLATION OF FCRA 605 B BECAUSE THEY DID NOT BLOCK OR DELETE THE FRAUDULENT ACCOUNT WITHIN 4 BUSINESS DAYS. THEY DID NOT EVEN OPEN A DISPUTE I SPOKE WITH A REPRESENTATIVE ON XX/XX/XXXX WHO LIED TO ME AND SAID THAT THEY DID NOT HAVE TO FOLLOW FCRA LAWS ONLY THE ORIGINAL CREDITOR DID. IT HAS BEEN OVER 30 DAYS SINCE I. FIRST DISPUTED THIS FRAUDULENT ACCOUNT ON XX/XX/XXXX AND YET THE FRAUDULENT ACCOUNT STILL REMAINS ON MY CREDIT REPORT
Product: Money transfer, virtual currency, or money service

On XX/XX/22 someone called from the phone number XXXX claiming to be XXXX XXXX. The said someone my be fraudulently using my phone number to set up a new Zelle account at XXXX XXXX. I said that it was not me so they gave me a case number XXXX and then asked me to enter it into my Zelle app along with the name XXXX. I then realized that this case number was a phone number and that this was a scam trying to get me to enter this info and then make an actual transfer to them. So I hung up and later verified with Zelle that this is a common scam.
Product: Debt collection

This company has previously removed two items from XXXX that were listed on my credit report. They have now put them back on my credit report with new dates .... showing I paid them money. Which I DID NOT> they are attempting to put this debt back on my records again after the 10 year period. I contacted them via the credit agencies and again via telephone and again via a letter. They have refused to remove and have refused to adjust the dates they are showing which are incorrect and absolutely not right. 
There are 2 of these showing on my credit report again from them ... ... This is totally not fair .... 

Portfolio Recovery Associates  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account Number XXXX  XXXX Date Opened XX/XX/XXXX High Credit {$590.00}
Product: Money transfer, virtual currency, or money service

I tried to ach funds to a debit card / transfer account. PNC denied my transfer and I find it unacceptable. These financial institutions rob us every day with thier forced fees. We should be able to use our funds as we see fit.
Product: Debt collection

There is a phantom account at XXXX that the company keeps trying to bill me for. In XXXX 2014, I communicated with XXXX regarding the phantom account and XXXX acknowledged that the debt was erroneous. I have e-mail communications to this effect. I recently received a new communication from XXXX 's debt collection agency attempting to collect the debt. Evidently, they switched the account numbers but its the same debt amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXXXXXX XXXX XXXX creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that I have XXXX late payments on my account that I was never late for. The consumer reporting agencies play a crucial role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshots attached to this complaint, specifically on the dates XX/XX/2019. Please investigate and provide proof with statements showing these payments were late. If proof can not be provided, I demand these payments be updated to " paid as agreed on-time '' as they should be, due to the fact that I was never late. Thank you. Please see the screenshots attached.
Product: Debt collection

Re : STELLAR RECOVERY, INC ( Collection company ) refused to Verify and Validate of Purported Debt pursuant the Fair Debt Collection Practices Act ( " FDCPA '' ), as stated in XXXX XXXX XXXX, for partial Account Number : XXXX, - hereinafter referred to as " Account. '' Dear Sir or Madam : On XXXX 2016 I found out from my credit report that STELLAR RECOVERY, INC ( " STELLAR '' ) Address : STELLAR RECOVERY, INC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX put a collection in my Credit report. On XXXX XXXX 2016 I sent XXXX letters to the STELLAR RECOVERY, INC ( " STELLAR '' ) Address : STELLAR RECOVERY, INC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX with attention to Dispute Department, to XXXX XXXX and to XXXX XXXX via XXXX XXXX Mail ( enclosed ), but all above people are refused to provide me with the copies of the requested letters which they should sent me before STELLAR file a collection with the XXXX and XXXX ( " credit bureaus '' ). Also, in XXXX STELLAR verified above account with the above credit bureaus. 

On my first request of verification ( enclosed ), I requested from the STELLAR to provide me with all copies of letters which STELLAR should sent me before they file/put negative marks on my credit reports with the XXXX and XXXX ( " credit bureaus '' ) by FDCPA law. But STELLAR refused to provide me any of requested copies. Now, I am demanding if STELLAR ca n't provide me with those copies, then STELLAR must to DELETE above account from the Credit Bureaus within next 15 days with the written confirmation. 

I would like to ask Consumer Financial Protection Bureau to help me to put STELLAR and above names to the investigation list, I believe ( based of the complaint from the XXXX ) that I am not the first person who was harassed by the STELLAR. 

I hope that Consumer Financial Protection Bureau /Representative will be able to successfully resolve my collection reporting issue. Thank you for your help.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization.

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my XXXX  loan debt in full.
Product: Checking or savings account

On Wednesday XX/XX/2021, I clicked the contact us tab on the adopt XXXX XXXX. I received a text message from XXXX introducing themselves as XXXX the XXXX. The next few text messages with XXXX the XXXX he informed me about the puppies that were available for adoption. He sent several e-mails with photos, and video of available dogs and I picked the dog out. 
After I picked out the dog, I sent a zelle payment to XXXX of {$500.00}. 
After sending the money I proposed picking up the dog, vs. shipping the dog. That's when he provided the street address where I can drive to pick up the dog and text me back to tell me the time/date XXXX can pick-up the dog. After talking to family members, I text XXXX back about possibility delivering the dog vs. picking it up as I forgot my brother who was going to drive me tested positive for XXXX and did not receive a negative test results. 
On Friday XX/XX/XXXX, I texted back XXXX advising him to proceed to deliver the dog to my home address which I provided. I sent another Zelle payment of {$700.00} to XXXX. 
On Friday XX/XX/XXXX in the evening, I received ( 2 ) e-mail 's from the same party : Email address : XXXX, E-mail Subject : URGENT!! Health and XXXX XXXX to send {$1500.00} via Zelle Email : XXXX. Then a second e-mail threatening that they would report to the Michigan authorities. I sent a 2nd Zelle payment of {$1000.00} to Email : XXXX because my bank XXXX XXXX  blocked the {$1500.00} transaction but a {$1000.00} managed to get sent. 
On Saturday XX/XX/XXXX, I received several e-mails from XXXX about them suing me if I didn't pay the remainder {$500.00}. I told them I had no more money, they proposed me purchasing a gift card at XXXX, XXXX and sending them the gift cards. I purchased the gift cards through my credit card, and sent pictures of the gift cards to them. 
On Saturday XX/XX/XXXX, I received the flight details on how the dog was being transported, only to receive another e-mail in the evening stating the dog was at XXXX, NC airport in quarantine. 
On Sunday, XX/XX/XXXX more threatening e-mails came through, and proceeded to send additional gift card information. 
On Monday, XX/XX/XXXX, after sending the money another e-mail requesting more money and that's when I called the XXXX XXXX Wisconsin police department to report them in. I've sent XXXX XXXX all the information, websites, e-mails and text messages. I am asking the FTC to work with the XXXX XXXX Police department, and take down the website so no further transactions can be made and other U.S. Citizens fall pray to these thief 's. In the end, I never received the dog, and I'm trying to recover the {$7200.00} that was taken from me.
Product: Checking or savings account

XXXX Tried to use debit card for business and personal accounts and the accounts where locked again. They have been locking and unlocking the accounts for the past XXXX months but I did not keep the exact dates. 

I am not working at the moment and the bank keeps locking my account because I am about 1 month behind on my personal loan. I have called and requested help but was told because I am not working they can not help me by modifying the loan terms. 

They continue to unlock the account when I scream and yell and cause a fuss. It was unlock XXXX as I have been using the funds I had in the account to buy food and pay some bills. It was a loan from my sister as I am struggling to find work. 

I do not know how this is even legal. I called a local attorney and he said there isn't a whole lot they can do from a legal stand point. I don't know how this IS LEGAL, as it is my money and my choice to do what I please with it. 

They don't want to work something out with their consumers and do the right thing. 

Please help me unlock my accounts.
Product: Credit reporting or other personal consumer reports

I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.
Product: Debt collection

I moved out of this complex in XXXX of 2022. Once I moved out, I wasn't sent any final invoice, nothing showing my deposit being applied, or remaining balance. Several months later I pull my credit report and its reporting as a collection account. I've contacted the property and due to property management being change, they have no records available and also informed me they've received several of the same type of complaints from other tenants who have moved out. No one has contacted me regarding this account as well as why this hasn't been addressed. It's stating some company that goes by Pro Collect owns the account, I've never received anything from anyone regarding this account. I've tried communicating with the credit agencies for several months and they have not sent me anything either informing me of the invoice and how the entire account was verified.
Product: Payday loan, title loan, or personal loan

Loan account number : XXXX On Thursday, XX/XX/XXXX. My daughter XXXX and I were in an accident that totaled her XXXX XXXX XXXX XXXX XXXX This accident was do to the other driver not stopping at a stop sign. 

XXXX ( our insurance company ) processed a check to Suntrust ( which was being bought out by Truist ) on XX/XX/XXXX or XX/XX/XXXX. Suntrust was in the middle of being bought out by Truist. 

I work in XXXX at a bank, so I am familiar with posting items on a timely basis. 

On XX/XX/XXXX we contacted XXXX XXXX and had them stop payment on the check sent on XX/XX/XXXX or XXXX and reissue a check to Truist due to looking online and not seeing our car paid off. This 2nd check was sent to this address that was given to XXXX over the phone by a Truist Representative : We had contacted truist on XX/XX/XXXX to see if they had received the check, and they had no information on it. 

Truist Bank XXXX XXXX XXXX XXXX XXXX, NC XXXX On XX/XX/XXXX, we noticed online that the car was paid off with the 1st check- Why did this transaction take so long to post? We incurred return item fees due to them taking so long to post this check. You can see the fees listed on the XXXX statement that is attached. The XXXX statement also shows that the payoff principal payment was made on XX/XX/XXXX. Why did it take Truist from XX/XX/XXXX to XX/XX/XXXX to post the first check sent to our loan? This timeline is unacceptable to me!! 

On XX/XX/XXXX, the 2nd check still had not processed through XXXX 's account. We had XXXX  send a third check CERTIFIED to : Truist Item Processing Center XXXX XXXX XXXX XXXX, NC XXXX This address is on the statements. Here is the tracking number : XXXX XXXX XXXX XXXX XXXX This tracking number states that this check was delivered and picked up XX/XX/XXXX at XXXXXXXX XXXX. 

Through all of this, we made XXXX and XXXX payments to them. 

Our car is still not paid off at this time, XX/XX/XXXX at XXXXXXXX XXXX XXXX stated that they had no account number to send, but they sent a paper remittance that has XXXX 's name and the VIN to the vehicle. XXXX is my daughter and she is the primary signer on the account and I am the co-signer on the loan. I do NOT WANT my XXXX credit score affected by this companies lack of posting items on a timely basis. 

XXXX and I have now received a late payment notice by email, and we both have received post cards stating our loan is past due. We both received the post card on XX/XX/XXXX. I contacted the phone number on the postcard the evening of the XXXX, and the representative that answered the phone call stated that she would have a manager contact me. It is now XX/XX/XXXX and I have NOT received a phone call from the manager yet. 

XXXX and I have contacted Truist many times regarding this issue. We even gave one of the representatives the tracking number of the last check sent. I have asked them to waive the fees they have charged us also. I had one rep tell us that they will contact us on a Friday and we did not receive a phone call back.