23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

SPS is basically caught in violation of all XXXX XXXX XXXX XXXX. XXXX XXXX is part of a Wrongful Foreclosure with XXXX XXXX and XXXX XXXX Sheriffs. XXXX XXXX is selling off my information without Right, Consent or Contract with SPS employees stealing my ( our XXXX and I ) Identities creating new loans and debt with no contract. There is no mortgage. It is paid off, attached is the proof. XXXX XXXX is running now that I am suing them ... SPS just added themselves to it if no Out Of Court settlement for this Fraud and Mail Fraud. 
SPS must prove and show the contract XXXX and I have with them and we both know there is none = they now owe us Compensation. These contracts pertain to ARTIFICIAL LEGAL PERSONS so when you send mail to the ALL CAPS NAMES in attempts to extort the man or woman via the ARTIFICIAL PERSONS = 18 USC 1341/1342 Violations which I 100 % proved happened. 
I require/request CFPB to get my Compensation of {>= $1,000,000} per 18 USC 1341/1342 reads. 
SPS was faxed, mailed and called to CEASE AND DESIST ... they kept trying to contract and sending mail = MAIL-FRAUD and Harassment. If they attempts to send a man with a XXXX to my house to extort us for SPS = XXXX XXXX = XXXX defense activated. SPS & XXXX XXXX nor any other Corporation has STANDING to Collect, Foreclose, Auction or Administrate property ( man/woman ) via Color Of Law and ARTIFICIAL LEGAL PERSONS, the Mortgage Scheme is fullyexposed. The Foreclosure Defense Handbook shows it all and I back it up with an Audit and Proof of National Mortgage Contract Fraud using Grammatical Deception. The Legal/Legalese system fraud is exposed in all my cases. 
When you lower yourself to the U.C.C. = no immunity using your job/Color Of Law to steal proerty no one owns, lent money towards or is a real party of interest as CORPORATIONS can't talk, aren't real or can claim anything. 
So, SPS has until XXXX to show the contract or they're out millions/already owe me for 18 USC 1341/1342 Violations. 
I DEMAND/REQUIRE CFPB to go after XXXX XXXX and SPS for Contract Fraud & Identity Theft .
Product: Checking or savings account

On XXXX XXXX I deposited a U.STreasury Check that was provided to me by the XXXX XXXX after I paid for Burial Expenses for my Father who Passed away due to XXXX XXXX. BofA put a Hold on the check due to reason that the check stated that the check could be returned because it had been written on the check. I have a copy of the check from XXXX and it does not indicate that in the front or back of the check. They put a 7 day hold without informing me at the counter. The teller told me it was a hold for XXXX. I called BofA and they said they would honor the check and give me access due to my Father XXXX XXXX. They they put it back on hold and I spoke to another mgr whos said their Employee made a mistake. I believe they should honor the check and not give me a cheap excuse. My Father and I are Veterans of the XXXX XXXX we have served our country faithfully and would do it again. Unfortunately for my Father he XXXX XXXX due to the XXXX XXXX and the effects of XXXX XXXX. I just want them to honor their original reason why they lifted the restriction and they understood the circumstances that I paid for my fathers burial costs. I have Been hung up on and called again and was neglected by the manager XXXX. Now he put me on Eternal hold probably hoping I will hang up because by him doing this to me. Can Veterans get some Sympathy and consideration for Helping to keep our country Safe? and help these citizens live with the Freedom we all Enjoy? Pleas help me on any way you can. It would be greatly appreciated by me and my Father.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Navient regarding their unauthorized and illegal reporting of my educational records, specifically the transaction history, to consumer reporting agencies. This action by Navient is a clear violation of the Family Education Rights and Privacy Act ( FERPA ) of 1974. 

The Family Education Rights and Privacy Act ( FERPA ) safeguards educational records, encompassing a wide array of information, including but not limited to grades, transcripts, disciplinary records, and personally identifiable information ( PII ) directly linked to a student. Transaction history pertinent to educational loans or financial matters, although not explicitly outlined in FERPA, falls squarely within the realm of protected information due to its direct association with the educational journey and financial status of the student. 

As custodians of these records, Navient is bound by FERPA regulations. However, they have egregiously disregarded these regulations by reporting transaction histories to consumer reporting agencies without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under FERPA. 

Moreover, the Privacy Act of 1974 supplements FERPA by regulating the collection, use, and dissemination of personal information by federal agencies. This act establishes stringent measures to ensure confidentiality, accuracy, relevance, and proper use of personal information. 

Navient 's disclosure of my transaction history to consumer reporting agencies without my explicit consent constitutes a blatant violation not only of FERPA but also of the broader principles established under the Privacy Act of 1974. These actions compromise the confidentiality and privacy protections afforded to my educational records and personal information, resulting in tangible financial damages and emotional distress. 

Despite my attempts to rectify this matter directly with Navient, their failure to acknowledge or resolve the issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking not only accountability for Navient 's actions but also compensation for the financial damages and emotional distress incurred due to their illegal reporting activities. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by Navient. Pursuant to 15 USC 1681n, I seek damages of {$1000.00} per violation as a result of their unlawful actions. 

Enclosed with this letter are relevant documents supporting my claim. Please do not hesitate to contact me for any further information or clarification needed to pursue this matter. 

Thank you for your attention to this urgent issue. I trust that the CFPB will take necessary steps to address this grievance and ensure justice is served.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts that were discharged in my bankruptcy on XX/XX/2020 that are still reporting as late and charged off that need to be immediately and completely deleted from my credit file per applicable bankruptcy laws.
Product: Mortgage

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. These are the dates that I Have called Flagstar bank for updates on my Morgtage Loan. i applied for a Grant through the Homeowners Assistance program which provides struggling homeowners funds to apply to their mortgages to help them catch up on the arrears. This program was created by the Federal Government due to covid 19.The Program awarded me XXXX to pay for the arrears, taxes, HOA, Escrow, insurance. This total will completely catch me upon my Mortgage account. Flagstar Bank received the Wire transfer on XXXX XXXX. It was signed for by an Flagstar Bank Employee. However, the employee never posted the funds to my account. As of XXXX XXXX at XXXX, the funds have still not been posted. On the above dates I have called and tried to get answers, in which employees Of Flagstar have left me on hold for extended amounts of times 30 mis, transfer to several employees leaving me on hold for at least 30 mins, refused to transfer me to Supervisors or Supervisors refuses to answer the phone after i have been holding over 30 mins. Finally on XXXX XXXX i spoke with XXXX XXXXXXXX XXXX XXXX.said he was a supervisor and can't give his last name states he will send an email to the processing dept. 4th email. But have no ideal where the Funds are located. Please assist me in this matter to help prevent my home from going into Foreclosure. Other Employees i have spoken to ARE XXXX, XXXX, XXXX. All of whom would not give their last names or Id Numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit card or prepaid card

On the XXXX of XX/XX/2022, I had a call from Costco CITI Credit Card Customer Service harassing me and my wife that they are closing our personal business bank and switched us to our Business Name to one account. My wife and I had two CITI Costco Credit Cards with my name and her name, and we have been using the business cards to purchase items for our business for years. Unfortunately, My wife was next to me when I explained to the customer service representative for Costco CITI Credit Card Customer Service that our account is closed due to non-payments, and I tried to explain to them why it is closed when they are taking out money from our bank accounts! The customer service representatives for Costco CITI were very persecution and unprofessional verbally harassing us for payments over the phone when we tried to explain to the customer service representative that why they closed out our personal business account, took our names off the credit card and instead they out our business name in one card. Unfortunately, the customer service was verbally ill-mannered and disregard my questions and demand my wife and I to pay up front and told both of us that we no longer have our names in our business card but our business name instead. I tried to explain that why didnt they follow up on us for months when we tried to explain to the customer service that they take out money out of our bank account for months and now they told us they are closing our account for no reason. I immediately filed a complaint through the Federal trade Commission, The XXXX XXXX XXXX XXXX, and the Consumer Financial Protection Bureau to investigate that they are doing us wrong as business owners here in XXXX Ak. I am a XXXX XXXX Veteran with a XXXX XXXX that my wife and I hold ; and a Business Owner that my wife and I hold our position running a business for 7 years. Also, a landlord that we own a couple of properties to have our tenants rent our properties. I am also a XXXX XXXX XXXX under the XXXX XXXX XXXX XXXX. We believe that we have been harassed by Costco CITI customer service and they should retrain their customer service skills and the CITI Credit Card Service should be investigated for doing us wrong.
Product: Debt or credit management

I requested a refund from Lexington Law. They said that I didn't qualify. However that's farther from the truth. I actually told several people to do business with them. I was affected by this scam and was told that I don't have a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

My latest Equifax report reflects serious reporting errors that are negatively effecting my credit standing. I made multiple attempts to have this information corrected by way of sending disputes to Equifax referencing these error. Equifax continually ignores, and refuses to correct these errors in spite of the factual based evidence of their FCRA non-compliance issues. My findings on my latest report that was sent to me by Equifax has once again certified falsified information that pertains to me in their credit reporting - The account in question is a XXXX XXXX installment account beginning : XXXX and ending : XXXX. This account was reported as paid in full in XXXX of 2021, yet on one latest report published by Equifax, they report a payment for XXXX of 2021, as well as a late payment in XXXX of 2021. On the report from XX/XX/2021, this same account that was paid and closed in XXXX of 2021, Equifax reports payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This is false reporting as this account does not even exist. No matter how many times I point out these inaccuracies to Equifax, they refuse to correct or remove the account from my credit file which they are bound by the FCRA to do. The 5 plus times I send these disputes to Equifax, they don't even look at them, their automated process continually violates my consumer rights, as well as publish falsified information. It is time for Equifax to hold themselves accountable for their actions as these reporting inaccuracies cause massive harm to consumers and can be remedied through costly litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lakeview Loan Care has put a 30 day delinquency on my impeccable credit report because of their mistake and the previous loan companys ( XXXXXXXX XXXX ) mistake. 
The loan was scheduled to transfer on XX/XX/XXXX from XXXX to Lakeview however the loan did not transfer as anticipated. The delay in the transfer of the mortgage was caused due to a disconnect within the internal process at XXXX. On XX/XX/XXXX, XXXX automatically drafted {$560.00} first before Lakeview could draft the mortgage payment. The loan servicing transfer was not completed until XX/XX/XXXX and a bulk check was issued to Lakeview which included my XXXX payment. 
Lakeview is putting a delinquency on my credit for a late payment for XXXX and XXXX, when in reality the loan wasnt even transferred until XX/XX/XXXX. 
That means that I was still protected under RESPA and Lakeview has no right to put a delinquency on my account.
Product: Debt collection

This collection is being reported on my credit in violation of the FDCPA. For that reason I am disputing it, until the investigation is finished I ask you to stop reporting the account on my credit report, otherwise I will file a small claim
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Recently I check my credit for accuracy and I was surprise to see delinquent accounts in my credit when I never had this accounts in my credit, it seems someone had opened these accounts without me knowing, so I have been victim of identity theft, that's why I'm making this report.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2023 at around XXXX EST I sent a wire for {$610.00} at my Synovous Branch in XXXX XXXX SC XXXX Branch # XXXX and User ID # XXXX ). The wire was being sent to XXXX XXXX XXXX in XXXX, GA. 

When filling out the wire order, the bank employee put the information for the receiving bank branch in the section for the " XXXX '' and omitted the details of the actually beneficiary other than the routing and account numbers. 

Due to this error, XXXX XXXX XXXX returned the wire and no information was included about the account holder 's name or contact information. This information was provided in writing to the bank employee. Furthermore, both Synovous and XXXX XXXX XXXX charged fees so that I lost {$81.00} and the wire was not sent. This error also caused me to incur a {$100.00} late fee for the payment I was making with this wire. 

XXXX XXXX XXXX only returned {$570.00} of the {$61000.00} amount, so in my opinion, both banks have acted inappropriately.
Product: Credit card or prepaid card

I had been using XXXX for purchases and as a seller for many years. I have a bank account connected with the company, where deductions for purchases and deposits for sales occur automatically. 
When I was making a purchase, ( XXXX, 2017 ) an ad for XXXX XXXX came up. It offered free delivery. I decided to click on the ad to see if the service would be beneficial. I made a {$13.00} purchase. I never received the item. Instead, I received an email that said there was no safe place to leave the package. This was a blatant lie. # 1 I was home all day. # 2 I lived in the country, had a secure porch, and # 3 before I had XXXX XXXX, XXXX delivered literally dozens of packages to my porch. I canceled the service. 
I assumed I would be charged and refunded to my normal bank account. I did n't give it another thought. 
Recently, I was contacted by " XXXX XXXX, '' telling me that I had an outstanding debt and that fees and late charges were being applied. I told them I never heard of them. 
I never applied for an account with that bank and never signed anything indicating I wanted a new credit card. I also told them I never received a card in the mail. They said they would mail one. I told them I would rather they cancel whatever this account was and leave me alone. The harassing calls continue, and now I receiving paper bills in the mail. I never received a bill for the XXXX purchase ( which I never received ). 
They refuse to leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.
Product: Debt collection

They have called more than 7 times in less than 24 hours. 7 times in one day and then an 8th can the following morning.
Product: Money transfer, virtual currency, or money service

Venmo some {$500.00} from me on XX/XX/XXXX. I recently opened a venmo account and received a debit card in the mail. I had to pay a XXXX XXXX to XXXX  my driver 's license so I used my XXXX XXXX XXXX money to place {$500.00} in cash on to my venmo card at a XXXX. Been immediately suspended my account and won't release the funds. They have now stated they will not return the money to me because they suspect fraud and they will no longer communicate with me and they stop taking my emails. This is not the first time at venmo has done this I had an account in XXXX where they stole over {$800.00} for me and I'm not going to take it anymore. This has happened to a lot of people, from what I've read online. I need that money to XXXX my driver 's license so I can work this is a huge hardship.
Product: Checking or savings account

To Whom it May Concern, On XX/XX/2020 my TD Bank checking account was comprised and there were combined fraudulent purchases in the amount of {$260.00}. In addition, these fraudulent charges caused my account to be charged 3 overdraft fees in the combined amount of {$100.00}. Upon realizing the charges and penalties on XX/XX/2020, I immediately contacted TD Bank for assistance ( all charges were still pending ). Customer Service insisted I couldn't take any action until the charges were fully processed. Therefore, I had to wait until XX/XX/2020 and XX/XX/2020 to summit formal claims. TD Bank did an " investigation '' and concluded only 2 of the 3 charges were fraud and only reimbursed me {$100.00} for 2 false purchases and {$35.00} for 1 overdraft fee. This conclusion is nonsensical because all of the charges took place at the same time so to conclude that only part of it is fraud doesn't hold up to critical thinking. After multiple phone calls and holding for a combined wait-time of over an hour their customer service has informed me there is nothing more they can do aside from reopen the dispute. I reopened the dispute on XX/XX/2020 and did not hear a single thing so reopened it again on XX/XX/2020. 
I'm hoping someone can help correct this situation so future customers are not robbed by TD Bank. I am still due {$160.00} from a fraudulent purchase and {$70.00} from two overdraft fees. There is a global pandemic and financial crisis occurring due to COVID 19 and I am struggling to get by. This bank, which charges me a monthly maintenance fee, was not able to provide sufficient help when my account was compromised during this trying time. This is how TD Bank treats a customer of 10 years that was hacked during economically challenging times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately deleted on my credit report since no proper evidence is shown as derogatory. Simply presenting a computer generated printout is no strong evidence as accurate. This is unfair reporting practice and will not be tolerated as such. So delete XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO CONSUMERS LAW I NEVER GIVEN ANY COMPANY PERMISSION OR SIGN-UP FOR ANY REPORTING TO MY CREDIT REPORT NEVER EVER!!! 

THIS IS THE LAW
Product: Debt collection

Portfolio recovery seems like a debt collector than strive off of misinformation & bullying people into paying debt that doesnt belong to them. If I owe a debt I have no problem paying it. What I will not do is pay a debt that is not mine. Because I know this debt is not mine I have written over 15 certified letter to portfolio recovery asking for them to validate the debt. They keep sending their computer generated letter saying their investigations are correct but no proof. They even restarted the debt to benefit there personal gain. They even reported the account as an individual but when I did my own investigation its a joint account open by my X husband without my knowledge or permission. I explain to them that they would never see a transaction signed by me because I never had or seen this card. They refused to remove this fraudulent account. They have been unable to provide any of the requested documents to validate they account & think what they say goes. I have rights & in a world where so much fraud is being done to every day people I refuse to be held liable for someone else debt. I was not even aware of this account because I had my own XXXX XXXX XXXX  & was thinking the information was on my card not a fraudulent account not done by myself. Portfolio recovery refuse to validate the debt in the correct way & have the nerves to report a joint account as individual to trick me into thinking its my account & my debt. They are violating my rights & is even breaking the fair credit act. Even tho the Credit bureau have all the proof of this company basically committed fraud against me & reporting inaccurate information on my report being harm against me 2 of the 3 agencies have refused to remove it & I know Portfolio has not validate this debt in the lawful way. And I want to hold XXXX XXXX XXXX also accountable. They can not run a company base on lies for there own personal gain. By law if they can not validate & proof this account belongs to me then they must remove from my credit report. They keep sending me transaction history than can be done by anyone. Thats the purpose of fraudulent activities. Nothing showing a transaction made with my wet signature just computer generated papers that anyone can print up on a computer. They need to be a full investigation against this company.