23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The Credit Card Company did not do a investigation but only did a rubber stamp of questionable statements. FCRA says 7 years from the " first default '' which means when I could not use the account. Which for many of these accounts was a lot earlier than there so called write offs. If you ca n't use the company 's services, like cashing a check, using the lobby, for all intents and purposes you account is closed and in collection. These organizations tend to add a 5 to 7 year extra space of deliquency saying its open but you owe and are deliquent aka default. I have ask for them to look at the additional evidence of account activity to show whether the account was active. that was ignored. This is not an investigation especially since its not an impartial agency or has investigators with adequate training.
Product: Money transfer, virtual currency, or money service

Re : Wells Fargo Bank Fraudulent Transfer of Savings Funds On XX/XX/XXXX, Wells Fargo Bank processed an unauthorized fraudulent Wire Transfer of {$25000.00} out of my Savings Account and sent the funds to a personal account at XXXX XXXX I reported this transfer directly to XXXX  by phone and in person. I was advised that the XXXX  Fraud Detection department would conduct an investigation to recover my funds. Unfortunately, WFB failed to recover my funds from XXXX XXXX 
Please take note that on XX/XX/XXXX, I made contact with XXXX XXXX  by phone at ( XXXX ) XXXX, and over the next 4 weeks managed to talk directly with " XXXX '' in loans and he looked up the account where the subject funds were sent and reported that it had been tagged as having suspicious activity. The wired funds were on hold in that account. 
Through further discussions with the XXXX XXXX Security Department, I was advised that they could initiate recovery and return of my funds when Wells Fargo Bank would sign and send a Hold Harmless Letter and Letter of Indemnity to XXXX. They asked that WFB send the completed letters to XXXX. The team of Account Managers at XXXX are available to answer questions and provide assistance at XXXX from XXXX XXXX to XXXX XXXX weekdays. ( the XXXX file information is noted under XXXX Case # XXXX Dated XX/XX/XXXX. ) Wells Fargo was informed directly through their downtown XXXX Main Office and all copies of the XXXX correspondence and Wire Transfer documentation was faxed to their XXXX XXXX XXXX XXXX at XXXX by XXXX XXXX, Manager - XXXX XXXX under the file Case # XXXX on XX/XX/XXXX. 
There was no request or inquiry from Wells Fargo recorded on XXXX 's Fraud Report ticket of # XXXX. It is important to note that the subject fraudulent Wire Transfer was accomplished without use of my WFB confidential verbal password which was in effect at the time of the transaction.
Product: Mortgage

Nationstar Mortgage LLC, the alleged servicer trying to illegally foreclose on our home, and the subject of breach of privacy complaint, ref CFPB file XXXX, who alleged XXXX to be the " current owner of debt '' on the Notice of Default that it recorded on XX/XX/2015, violates CA Civil Code 2924.17 for lack of proof of this statement. 
XXXX 's EVIDENCE - XXXX has " yet to conduct an investigation on this account '' and requested CFPB on XXXX XXXX, 2015, to extend its resolution date of XXXX XXXX complaint to XXXX XXXX, 2015 ( CFPB case number XXXX ). 

Nationstar 's recorded Notice of Default on XX/XX/2015, therefore, LACKS LEGAL FOUNDATION ... as the ALLEGED DEBT, and ALLEGED CURRENT OWNER of DEBT XXXX XXXX yes " yet to investigate the account ''. Until proven otherwise, this Notice of Default, remains to be UNLAWFUL and thus the resulting TRUSTEE Sale of our home XXXX XXXX, 2015. 

Nationstar also defaulted on XXXX 's Debt Validation ( DV ) Request of XXXX XXXX, 2015 ( relative to Nationstar/XXXX Notice of Debt Validation dated XX/XX/2015- with 30 day to validate debt ; then Nationstar violates FDCPA by recording the Notice of Default two days later, XX/XX/2015, without satisfying DV requirements ). XXXX requested in DV, among other things, to personally view the " alleged NOTE '' - per requirement of UCC 3-501 on presentment. 

Nationstar defaulting on this DV request, in addition to alleged owner of debt XXXX that has yet to investigate the account, renders this NOTICE of DEFAULT of NO LEGAL BASIS, and therefore UNLAWFUL and needs to be rescinded. 

Thank you, CFPB for your URGENT HELP.
Product: Money transfer, virtual currency, or money service

In XXXX I made a purchase on XXXX for some curtains on my paypal XXXX and received an item that was not as described. I opened a paypal dispute with photos and paypal admitted it was not the item I ordered. The said a refund was due, but I would need to ship it back. The return address was provided in XXXX. I received multiple shipping quotes that came in around {$500.00} to ship the item back. The item originally cost {$250.00}. I fought the dispute on paypal, but ultimately lost. I opened a previous CFPB complaint and paypal responded. They lied and intentionally left out information in their response to the CFPB. I opened an investigation with the credit card servicer XXXX and after some time they concluded there was definitely fraud that happened on the card and refunded my money immediately. I've been attempting to close my paypal account for the last 4-6 weeks and paypal continues to make up stories and excuses why they can't close it. They locked me out of my account and I can not sign in any longer and told me it was closed, but calling in today I found out the account is still active and mine is one of many that " that can't see to figure out how to close ''. I read this over a recorded line to XXXX on XXXX
Product: Money transfer, virtual currency, or money service

Sent {$70.00} to a CashApp user XXXX  XXXX for an online purchase. Never received my product and they stopped replying to my texts after the money was sent. 

They claimed their name was XXXX XXXX and that they were sending the mail from XXXX XXXX XXXX XXXX XXXX NC, XXXX Her number is XXXX I reported the scam on the app as well.
Product: Debt collection

I have received numerous phone calls from XXXX XXXX, United Legal Group, XXXX / XXXX ext XXXX regarding his attempt to collect a debt from someone not at this number. I have instructed him both on the phone while speaking to him and by voice mail to cease and desist calling me about this matter. This is clearly regarding an alleged debt by someone who does not reside at this residence. 

So far this month alone : XXXX XX/XX/2020 - Received phone call from XXXX XXXX and told him to stop calling. 
XXXX XX/XX/2020 - Received phone call from XXXX XXXX on my answering machine. 
XXXX XX/XX/2020 - Spoke with XXXX XXXX and specifically told him to stop calling. 
XXXX XX/XX/2020 - In response to yet another in a series of recorded phone calls, I left a voice mail at the provided number and told him to stop calling. 
XXXX XX/XX/2020 - Received phone call from XXXX XXXX on my answering machine. 

I have recordings of his phone calls as well as pictures of the caller id showing dates and times of his phone calls after being told to cease and desist calling.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian regarding their continued inaccurate reporting of my XXXX student loan accounts, despite my repeated attempts to resolve this issue through disputes and corrections provided both by myself and XXXX. Experian is violating several sections of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) by failing to correct these inaccuracies. 

Specifically, Experian is in violation of : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5531 I have attached a copy of the original correspondence from XXXX, dated XX/XX/year>, which confirms the correct balance and payment status of the accounts, proving that Experians current reporting is inaccurate.
Product: Checking or savings account

A deposit was mailed on XX/XX/2019 and was not deposited by the bank until XX/XX/2019 thus causing me to has {$140.00} in bounce fee charges. If the deposit would have been done on the second my account and checks would not have bounced. I have asked the bank to credit the {$14.00} back to my account and they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau specific to my particular file.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.
Product: Debt collection

THE COMPANY, AD ASTRA RECOVERY SERVICES INC, PURCHASED A BAD DEBT FROM ANOTHER COMPANY THAT REPORTED THE DEBT AS A " CHARGE-OFF ''. THIS MEANS THE ORIGINAL COMPANY THAT AD ASTRA RECOVERY SERVICES INC PURCHASED THIS BAD DEBT FROM, WROTE IT OFF AS A LOSS ON THEIR TAXES. WHEN AD ASTRA RECOVERY SERVICES INC PURCHASED THE BAD DEBT, THEY MADE AN INVESTMENT ROOTED IN FRAUD BECAUSE I WAS NOT MADE AWARE THAT MY PERSONAL INFORMATION WAS BEING SOLD OR SHARED. I HAD NO INVOLVEMENT WHAT SO EVER IN SAID TRANSACTION. THIS IS AGGREVATED IDENTITY THEFT ACCORDING TO 18 USC 1028A. 

According to 15 USC 3002, I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. Pursuant to 15 USC 1692 ( a ) 1 the term " Bureau '' is defined as the Consumer Financial Protection Bureau ; therefore XXXX, XXXX, and XXXX are assuming this role. They are only credit reporting agencies that assumed the role of collecting, selling, and sharing information without my written consent. 

On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following " ... ..every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts, is unconstitutional. '' AD ASTRA RECOVERY SERVICES INC is in direct violation of 15 USC 1692e which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Debt is defined as any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment according to 15 USC 1692a ( 5 ). 

According to 15 USC 1692k will be held civilly liable for violation of my consumer rights, I am seeking compensation for damages or litigation will be pursued. I also have proof from a prior complaint with AD ASTRA RECOVERY SERVICES INC of them admitting to committing fraud and aggravated identity theft.
Product: Mortgage

XXXX XXXX, 2015I previously completed a complaint against Ocwen Mortgage Company. Complaint # XXXX. However, since the complaint process was completed by your organization Litton continues to send me documents concerning Foreclosures. Ocwen is very deceptive they send you a certain report concerning the complaint ; and on the other hand they forward me different documents that they do not share with you. In fact Ocwen did forward me a document stating that the total outstanding amount of my mortgage is {$750000.00} After your agency initiated the process of investigation I received a statement from Ocwen stating that the total outstanding amount was {$390.00}, XXXX. In contrast the latest statement that I received from Ocwen states that my total outstanding mortgage amount is {$300.00}, XXXX. On Friday, XXXX XXXX, 2015, I received papers from XXXX concerning a foreclosure. All these documents that I receive from Ocwen only serve to confuse and upset me. Specially when you consider the fact that I never requested to do business with them. My mortgage loan was transferred to them from XXXX XXXX. I need some assistance and support in dealings with this very " fraudulent '' organization. I do not want them to foreclose my home. Ocwen needs to feel the full effect of the law and discontinue their deceptive practices. Ocwen was already taken to court by Florida 's Attorney General XXXX XXXX and found culpable and not adhering to lawful practices in the mortgage servicing. Kindly, assist me. I do not want to continue being emotionally harassed by Ocwen. As I said before, Ocwen continues to deceive customers, to use fraudulent mortgage practices and get away with it. 

I would very much appreciate your assistance. 

XXXX, Fl XXXXMobile Number : 305-762-XXXXOcwen Mortgage Account # XXXX
Product: Debt collection

On XX/XX/2021 I reviewed my credit reports and noticed a medical collection being reported to all three credit bureaus by ARS Account Resolution. I wrote them a " Certified Letter '' on XX/XX/2021 asking them to " Validate '' this collection account that they reported under my name and social security number. I was very specific in pointing out that this was not my debt and that I'm requesting that they provide me with documentation to validate this. On XX/XX/2021 I received a one ( 1 ) page letter from ARS telling me who they represent and that they verified the information with their client and confirmed it. I wrote them again on XX/XX/2021 via " Certified Mail '' letter two ( # 2 ) and indicated to them that the information that they provided was " Unidentifiable '' to me. I also indicated that they " Did Not '' provide me with any " Validation. '' I then received another letter from ARS dated XX/XX/2021, with the exact verbiage as their letter dated on XX/XX/2021. Finally, I sent a third letter ( 3 ) dated XX/XX/2021 via " Certified Mail '' letting them know that if they could not " Validate '' this collection in which they have placed on my credit files, they need to remove it immediately. As of this date, XX/XX/2021 they have not responded and this " Unvalidated '' collection is still reflecting on my credit file. 

They are in direct violation of the FDCPA Sec 809 ( a ) ( b ) and the FCRA Sec 623.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report, errors, fraudulent, incorrect accounts, unauthorized inquiries, miss spelled, personal information, address that's are in my credit reports ...... 
I have more than ninety-eight unauthorized inquiries twenty six different names in my credit report, I contacted Experian, XXXX, and XXXX FOR THE FRADULENT INFORMATION I HAVE IN MY CREDIT THE DONT WANT TO HELP ME. 
I need hep to get those incorrect information 's and account of my credit please.
Product: Credit card

I had a web bank credit card with fingerhut. Due to unforseen events I was unable to make payments and my debt was sold to collector Midland credit union. I was pressured into a payment plan when threatened legal action could be taken. I was unable to fulfill the plan. They call me about 9 or 10 times a day. I would tell them I was unable to pay because of medical and I had no money. They would call back when I would hang up. Which I am pretty sure you can't call back once you've made a contact. Representative didn't acknowledge I use to be on a payment plan and treated me poorly. I still receive calls but I try to block them for there is nothing I can do
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I moved into XXXX XXXX in XXXX XXXX , Oklahoma , in XXXX I have bed bugs from apartment complex, I call manager &  tell her, next day she has a note on my door telling me on which day an exterminator is going to be out & I owe {$360.00} for exterminators. I look on my lease & lease states " Tenant may or may not be charged for exterminator, I take lease to her & ask what factors in the do or do not pay? she asks owner, owner tells her " if Tenant gets a letter from last landlord stating Tenant nor last Landlords home had them then Tenant does n't pay ' I did get a letter from last Landlord stating we did n't have them so that settled that issue. also I was pro active & called numerous Exterminators & everyone told me it does n't do any good to spray 1 apart. they will go to attached apartments & end up coming back to mine & have to start the process of exterminating all over. I told apartment manager their not spraying unless they can assure me the other 3apartments are getting sprayed, she would not do that. In XXXX I get an eviction notice on my door & it stated I owe their Attorney fees. I retain an Attorney we go to court XXXX XXXX & Plaintiff Dismisses-Settled case, I move out. I apply at an apartment complex in XXXX & find out XXXX XXXX turned me over to a collection agency for a Bogus issue I left that Apartment complex paid up as you can see in the documents I 'm sending, my rent I paid in XXXX & the agreement in the courthouse on the XXXX was for me to be out of premises within 7 days & I was out. I owe nothing & this adverse account from XXXX XXXX is BOGUS!
Product: Debt collection

On XX/XX/XXXX, I received a letter from IQ Data International, advising me I owed a debt of {$13000.00} - related to a personal guaranty I signed on a lease for a business. This corporation ceased operations in XX/XX/XXXX. 

On XX/XX/XXXX, I faxed a note to IQ Data, advising them of the Release of XXXX, signed XX/XX/XXXX - and included the First Amendment to the Lease - highlighting the sections where my personal XXXX was released. 

On XX/XX/XXXX, IQ Data continued to pursue me for this debt that I had demonstrated I had no guaranty for - and I faxed a Cease and Desist notice to them. They have abided by the Desist letter - except for fraudulently reporting this debt as a derogatory remark to XXXX. 

On XX/XX/XXXX, I noticed the derogatory remark on my personal Credit report and faxed a letter to XXXX asking they remove it. I included the information provided to IQ data, and the First Ammendment to the Lease removing the personal Guaranty.

On XX/XX/XXXX, It seemed XXXX hadn't removed the derogatory remark - so I faxed a followup, this time including a XXXX County Court result - showing that in XX/XX/XXXX, the original ebt holder tried to sue me for these debts - and the Court found the case was non-suited ( i.e. it was unfounded and thrown out ). I hoped with this court result would assist XXXX  in correcting their error and removing the derogatory remark. ( Court Case Number : XXXX ) By XX/XX/XXXX, neither IQ data nor XXXX  had responded or changed their derogatory remarks, so I had a lawyer send a letter of demand to IQ data to remove the derogatory remark. 

It has been 10 days since that letter was sent, and no response has been received from IQ Data.
Product: Credit card or prepaid card

This number called me from an Arkansas area code where I live  ‭+XXXX (XXXX) XXXX‬ .  They said that I was the Discover credit card holder and I’ve paid my payments on time. It was a recording and I do not have a Discover credit card. They asked me if I wanted to lower my interest to click #1.  I am deathly sick of people abusing the phone by using an area code in Arkansas or in my area so that I will pick up the phone. I had got to the point where I wouldn’t answer any calls other than an area code from the state because I was always afraid my family was calling needing help. Now I cannot answer area codes  in my state and if I do I’ll pay for it by having to take time out of my busy life to answer the phone. I am just sick of this and it should be against the law for any wine to get on the computer and make up a phone number and call you because sometimes when I don’t answer the phone I called the number back and it says the number is disconnected or they’ll change their phone  and call me again what’s another number computer generated. I really feel this should be against the law. I know there is no discover business in Arkansas and this was a XXXX area code. Please do something about this.
Product: Mortgage

I am attempting to refinance my current mortgage. In order to do so, I have been told that I will need to provide a payment history for the last 12 months. On XX/XX/XXXX, I contacted my loan servicer and asked them to provide me with a payment history. I was told that my request has been submitted and that I should see the requested document in 7-10 business days. It is now XX/XX/02 and during that time I have made 7 additional phone calls and I still have not received the requested document. I have verified my mailing address multiple times. I have requested the document be faxed to me 3 different times to 2 different numbers. I have been told these requests have been completed but have been given no proof that they actually have been completed. I have tried to talk repeatedly to a supervisor and have been told first that that isn't an option. Then on another call was told a supervisor could call me back in 1-2 business days.

In summary, I have over the course of almost 3 months made 8 different phone calls to obtain a simple document and have not been provided with the document or proof that the document has been sent.