23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am disputing a debt that was transferred and is being collected by NCB Management Services. I initially entered into a contract with XXXX, and my original account was under their terms and conditions. However, I have discovered that XXXX XXXX XXXX XXXX is now listed as the entity involved in my account, but XXXX XXXX XXXX XXXX was never a part of my original agreement with XXXX. 

In XX/XX/XXXX, I signed a contract with XXXX for a credit product. The transaction history I received lists XXXX XXXX XXXX XXXX as the entity responsible for funding my account, but I never had an agreement with XXXX XXXX XXXX XXXX. Furthermore, I have an Assignment and Bill of Sale indicating that XXXX XXXX XXXX XXXX sold the debt to NCB Management Services, but I have not received sufficient documentation from either company proving that this debt is valid, transferred correctly, or assigned to NCB Management Services.

I have made several attempts to request proper documentation to validate this debt and prove that NCB Management Services has the right to collect it : On XX/XX/XXXX, I sent a request to NCB Management Services for validation of the debt. 
On XX/XX/XXXX, I sent another request, and NCB Management Services responded but did not provide the necessary proof required under the Fair Debt Collection Practices Act ( FDCPA ). 
On XX/XX/XXXX, I sent another request for verification, and again received a response, but without the requested proof. 
On XX/XX/XXXX, I contacted them once more, but they have continued to fail to provide the required documentation to prove the debts validity or the transfer process from XXXX  to XXXX XXXX XXXX XXXX, and then to NCB Management Services.

Despite receiving responses, NCB Management Services has failed to provide the documentation needed to validate this debt under the requirements of the FDCPA. I am requesting that NCB Management Services cease reporting this debt until they can prove its validity and show the proper documentation of the transfer of the debt from XXXX  to XXXX XXXX XXXX XXXX and then to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company ( Assetcare ) keeps rebucketing the same account ( multiple times per month and it is negatively impacting my score. This is in direct violation of the FCRA
Product: Money transfer, virtual currency, or money service

XXXX promised refunds of over {$140.00} for fraudulent charges on my account, then they continue lying and eating around the XXXX instead of just honoring the promises already made also breach of contract and theft. The refunds were all issued by the developers and XXXX kept the money and never returned them to any bank or previous account. Everytime I call I show proof and get hung up on. I sent them proof and screen shots through emails dozens of times. Cases numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and [ XXXX ] all promise they 'd fix the problem. I even agreed to credit through their play store which would even cost them anything yet instead they pull a bunch of shenanigans and try to rob me.
Product: Checking or savings account

Complaint to the CFPB : XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Banks Illegal Freezing of Account and Denial of Access to Funds Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against WORLD OMNI FINANCIAL CORP for unlawfully blocking my access to {$360000.00} in funds that were credited to my account after the bank processed my promissory note through its clearinghouse system. The promissory note, originally for {$35000.00}, was purchased by the bank, and I became the holder in due course of the account. 
However, despite my ownership of the account, the bank has frozen my funds without providing any legal justification or due process, in violation of consumer financial protection laws and my constitutional rights to property. 
Relevant Laws and Case Law : Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) : The banks conduct qualifies as an unfair and deceptive practice under the Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically under 12 U.S.C. 5531, which prohibits banks from engaging in unfair or deceptive practices that harm consumers. Denying me access to my own funds without explanation constitutes such a violation. 
Electronic Funds Transfer Act ( EFTA ) : The denial of access to my account also violates the Electronic Funds Transfer Act ( 15 U.S.C. 1693f ), which ensures consumer protection when accessing their funds electronically. Blocking my access to funds in this manner is a violation of my rights under this law. 
Truth in Savings Act ( TISA ) : The bank has further violated the Truth in Savings Act ( 12 U.S.C. 4301 ) by not adhering to its terms regarding access to funds. TISA mandates that depositors be provided clear terms for access to their accounts, which the bank has failed to honor. 
Requested Relief : I request immediate access to my funds. 
I seek a 15 % fine on the {$360000.00}, plus the interest the bank has accrued by withholding my funds. 
I demand that the banks actions be escalated to the Department of Justice and OIG for investigation, as this case constitutes fraud and a violation of fiduciary duties. 
I expect the CFPB to take immediate action to restore my access and hold the bank accountable for these violations. 
Sincerely, XXXX : XXXX XXXX XXXX All Rights Reserved Email : XXXX XXXX
Product: Debt collection

Around the end of XXXX I had randomly wondered what my credit score was since I had not looked in some time. When running my credit report it brought up an odd issue of collections for {$1200.00}. When I proceeded to look into the debt owed I quickly noticed it was not mine and someone had fraudulently opened up this card in my name without me knowing until it was too late. I contacted Citibank which then transferred me to XXXX XXXX whom were forceful in being adamant the debt was mine and I owed them. I requested proof which they sent thinking was proof when in fact all it does is confirm it's not mine. There is an address located in XXXX, SC attached as well as a XXXX XXXX XXXX XXXX XXXX, SD and the transactions are for things I don't even own ( XXXX XXXX, XXXX, prepaid cards ). Since then I have established police reports here in XXXX XXXX ( where I actually live ), XXXX XXXX, SD and after numerous calls to XXXX their police force seems inept and failed to ever return my calls. Ever since then I've been slowly filling out the recovery plan through identitytheft.gov which has led me to this point now. XXXX XXXX are a bunch of bullies and I will not lie down without a fight.
Product: Credit reporting or other personal consumer reports

This information is very wrong, I do not recognize that it is mine. 


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

In accordance with the fair trade credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

I contacted MOHELA about my XX/XX/XXXX student loan payment because I noticed that while the full payment amount was correctly withdrawn from my account on XX/XX/XXXX, they misapplied the payment and only applied it to 3 of the 8 direct loans I have. The other 5 loans are showing a {$0.00} payment for XX/XX/XXXX. I contacted MOHELA about this in XXXX to have them resolve it. I also submitted a previous CFPB complaint on XX/XX/XXXX concerning the same issue ( Complaint ID : XXXX ). On XX/XX/XXXX, MOHELA responded to the complaint saying " As of this writing, MOHELA processed the reapplication of your payment to the account accordingly per your request. The payment received on XX/XX/XXXX, in the amount of {$270.00} has been applied to loan sequences 1 through 8 '' ( see attachment ). The complaint was then closed. However, as of XX/XX/XXXX, the reapplication of the payment still has not happened. They effectively lied to me. On the MOHELA website, it is still showing that the payment made on XX/XX/XXXX is incorrectly distributed ( only 3 of the 8 loans show having a payment while the other 5 show a {$0.00} payment ). Moreover, I contacted FSA to check with them and they still do not have any updated information about my payments. Five of the 8 loans still show a last payment date of XX/XX/XXXX. This is negatively affecting my PSLF payment counts and making it appear as I did not pay 5 of my 8 loans on time when I did, in fact, make an on-time payment on XX/XX/XXXX. I have made all of my payments on time and I am being unfairly treated and lied to in this situation.
Product: Debt collection

I paid this account off in a settlement of {$390.00} on XXXX/XXXX/2020. They said theyd pay to delete. Its still on my credit report.
Product: Money transfer, virtual currency, or money service

Date : Mon, XX/XX/2019 at XXXX XXXX Subject : Absolute worst company and customer service I've ever experienced. Period.

To : <XXXX>, I was just informed my account didn't meet your compliance criteria ; however, you will still go ahead and debit my bank account!!

I'm furious at how useless your system absolutely is. And so was your supervisor named XXXX. She kept repeating herself like a brainless human being. I wish you could review the call.

I'm hereby formally complaining and requesting to immediately escalate this matter to upper management and above XXXX 's position.

I, by US law, have the right to be given a written explanation to the particulars to why all the sudden my account doesn't meet your compliance criteria. I need factual details since I have provided you with all my personal information requested and even spoke to one your reps this morning.

Furthermore, I have been told that you will be debiting my account regardless the fact you banned me from using your services. In addition, I will have to go out of my way and ask my bank and pay a fee in order to reverse that transaction. You refuse to send the money back to where you took it from.

Is this a SCAM?!

I'm also filing a formal compliant with the Better Business Bureau, the California Consumer Protection Office and the Consumer Financial Protection Bureau.

You can't denied me your services, then still take my money, and not been able to refund me my funds from where you took it.

I demanding my money back and an immediate response and resolution to these unacceptable business practices.
Product: Money transfer, virtual currency, or money service

This report will name Venmo as fault for lack of consumer protection. My other report is # Complaint Number XXXX. On XX/XX/2022, I was deceived by an imposter for XXXX XXXX, a hiring manager for XXXX XXXX XXXX, conducted an interview and hired me with a signed contract for a position in procurement. He told me to make payments for his vendors to deliver electronics for the new position working remotely. Someone posing as an employer spent the last 7 days online with me, conducted a 2 hour job interview, made a job offer, and hired me. He then requested I submit money to a vendor to buy a work computer and printer for my usage working from home. He hired me to work for XXXX XXXX as a procurement specialist, along with a written job offer and job description given. Through XXXX mobile banking, I submitted a check he emailed, under the guise of buying these electronics. He instructed I pay out XXXX payment on Venmo. He contacts me through XXXX XXXX, and is waiting for me to cash the next deposited check. The scammer is posing as XXXX XXXX, a hiring manager and investor communicating with me for the last 5 days. Job offer arrived by email from XXXX XXXX of XXXX XXXX. I have saved the email communication, Wire app communication, and screen shots of the bank transactions on my computer. I only chatted and emailed with " XXXX '' but no voice or zoom meetings, and never spoke to anyone. On XX/XX/XXXX, he asked me to make a Venmo payment, but I never saw it go through. I did not receive an email that it went through. The screen just went to the main screen instead of alerting " your payment has been made ''. Inside the account, it never said it was paid in the list of recent transactions. Nor was I alerted to this problem. All of this was cause for concern, so I did a stop-payment for Venmo payment at my bank. However, Venmo paid it anyway for {$1000.00} without my consent. Venmo is still seeking this payment though I stopped it. The sensitive information the scammer obtained was my Social Security number, home address, last 4 digits of my banking account, and my signature. 
I think I should not have to pay because of the faulty transactions from Venmo.
Product: Credit reporting or other personal consumer reports

To whom it may concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

This was my ex-wifes debt that has been investigated by XXXX, XXXX, and experian and proven as Not My Debt and removed from my credit reports. I have sent this company MANY letters showing my case results and they continue to send me settlement offers monthly that even acknowledge that it 's my ex wife s debt!
Product: Checking or savings account

On XX/XX/2021 Chime closed my checking account. I had multiple fraud claims which they would not investigate but chose rather to close out my account. I have been in contact with them and they have indicated they would send me a check for the balance of approximately {$900.00} within 30 days. It is over the 30 day mark and Chime does not want to issue my monies. I have chains of emails trying to get them to issue me a refund.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX  I received a telephone call, allegedly from Citibank just after my Citicard was refused at a local drug store. The caller said to fix my account I needed to perform certain steps online. I followed their instructions and ended up sending money through XXXX to them. ( I never use XXXX so when they said i was just entering codes, I listened ... nd ended up sending them close to a XXXX dollars. I became suspicious when they said it wasn't working and had to repeat, and the line I was to enter a code on showed a dollar sign. 
I followed up with Citibank, closed the account, and they did some kind of inquiry. i just received a letter which only said my personal info was compromised, with no offer of any compensation. It also means all of my payees, with their addresses must somehow be found and reentered into a new account.
Product: Credit reporting or other personal consumer reports

I contacted XXXX and Resurgent Capital service L.P. to let them know that my identity has been stolen and i filed a police report. They are still holding me accountable for the charges and still reporting to my credit report. This is really affecting my credit score. Please have them to stop with the reporting. I file a police report 2 years ago and let XXXX know but they said that the report must specifically state the Creditor names. 
So I have a new police report with names as well. 
RESURGENT CAPITAL SERVICES L.P. for XXXX XXXXXXXX Account XXXXXXXX XXXX for XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This IRA was created in XXXX and has rolled over every 3 months since. For the renewal in XXXX of XXXX we asked why we were not receiving the higher relationship rate. They said we never asked. We said the relationship was created in XXXX ( bank purchased subsequently ). Since rates were so low it did not matter but going forward, starting now, we are asking/telling. It took them numerous calls and a return trip but they created a 6 month CD with the relationship rate as requested. Upon receiving correspondence in XXXX of XXXX we picked up a new rate sheet and inquired as to the rollover status. They said we were all set. Fast forward XX/XX/XXXX we receive the renewal correspondence but when checking on the calculated interest and the current rates we were told we do not have the relationship rate because we did not ask again. We pointed out that the relationship did not change but they said we lose out because we did not ask again. As you will see from their literature/correspondence, it uses a number of terms to describe the process which is blatantly contradictory and ambiguous at best. Standard rate/Relationship rate/ Promotional rate ( the term sheet classifies them all as promotional ) /Choice CD. The process states If you have an eligible TD Bank Personal Checking account on the business day prior to your CD maturing, your TD choice CD will earn the relationship rate and APY. In another paragraph it states Both non-promotional and promotional TD Choice and private CDs renew into the same term non-promotional TD Choice CD at the prevailing rate at maturity. It says 2 different things but never mentions asking, much less asking again. Is this a systemic issue that that has continued for years?
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not authorize these inquiries Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXF 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  XX/XX/XXXXXXXX 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 XX/XX/XXXX Equifax inquiries Inquiry details 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax unauthorized inquiries 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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, XXXX XXXX, XXXX 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 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
Product: Student loan

I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. They have erroneously denied and/or processed my XXXX application incorrectly. Mohela is not even processing my XXXX application. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved one so this pushes the processing time even further due to their mistake. The attached employment certification form has been sent to XXXX and MOHELA on multiple occasions with no results. The most recent form was sent in XXXX and is still processing, however since the form was sent in XXXX and XXXX and was closed with no adjustment, I do not have confidence that it will finally be processed. I've attached copies of the forms. My SSN and DOB have been redacted for my security, however they are present on the forms that were submitted to XXXX and MOHELA.
Product: Debt collection

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I didnt give permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization