23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have the right to privacy as a federally protected consumer. I do not consent to E Oscar verification Use of this number when applying electronically for your Direct Stafford Loans in XX/XX/XXXX, gave the application the same legal integrity as documents bearing an inked or wet signature. All pertinent information regarding the making and collection of your loans is contained in the Terms and Conditions and the Borrowers Rights and Responsibilities contained in your promissory note. Your federal student loans are governed by the Higher Education Act of 1965, as amended, and any applicable federal laws and regulations governing the Direct Loan Program.

As you mentioned my electronic signature is the one that brought my direct Stafford loans to life, which means I'm the original creditor ( 15 USC 1602g ). My electronic signature and my social security number is the ones that gave life to this loan nothing else as you mentioned. 42 USC 408 asking for social security number on any credit transaction or loans ( since there is no lawful money ) is considered a crime. So if I'm the original creditor, every loan and credit extension comes from my social security number. On the social security card, it used to say not for identification purposes a long time ago. 15 USC 1602 credit card means any card, Plate, coupon book, or other credit devices existing to obtain money, property, labor, or service of credit. So you must use your social to obtain a student loan, to buy a car, to get any utility services, telecommunication services. So basically XXXX took my credit since I'm the original creditor and made it Nelnets credit. Basically switching me into a debtor and asking me to pay monthly payments plus interest on a loan that I was the original Creditor. So XXXX is Lying and committing Identity Fraud. Taking someones social and putting a lien against it then taking the lien which is evidence of interest in the property and sold it on the stock market.

12 USC 1431 clearly states that banks cant loan you money since they are the borrower, banks are considered dead entities hence corporation ( corps ). someone alive has to be the one who can credit. So Federal student aid/ XXXX XXXX XXXX XXXX not loan me ANYTHING. 
So XXXX is Using my identity and saying that I owe them money when in reality they owe me everything. XXXX is taking my credit and then charging me a finance charge to do the paperwork equal to the credit that was extended. Just show me the paperwork for this if you are not committing Identity Fraud.

Since we established that Im the original creditor, ( 15 USC 1602g ) Let the credit bureaus know that you have used my identity to accuse me as a debtor falsely, let them know that you have committed identity Fraud, and mark my student loans as paid as agreed and return all my money with interest back to my account plus an additional {$10000.00} for all the emotional pain and suffering that you have caused me for the past 12 years. 

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

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
Original Creditor : 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
Product: Credit reporting or other personal consumer reports

Portfolio Recovery, a debt collection is reporting an account over 7 years from the first missed payment that led to the charge-off from original creditor which was XXXX XXXX. Please see 15 U.S. Code 1681c ( c ) that explains the lawful reporting period. Essentially the statute states that the reporting period is based on the delinquency that precedes collection and charge off. The date opened ( when the collection agency assumed the deb ) does not change the date of the start of the delinquency. Based on the before mentioned statute, this collection was supposed to be removed and no further reporting to the credit reporting agencies as of XX/XX/2024. XXXX, XXXX and Portfolio Recovery are both complicit in this false reporting are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Since initial complaint was filed on XX/XX/XXXX, I received a email from Mark I, Executive Office of Customer Advocacy for Discover Bank. That was on Friday XX/XX/XXXX. I have heard nothing since. I have emailed him 3 times ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) - No Response. Still no communication or access to MY IRS REFUND that was deposited via Mobile Check Deposit. 

CFPB has let this fall through the cracks - nothing done - and since my initial complaint - ZERO progress!! 

Here is what I initially sent in ... Regarding account ending XXXX - Jnt with My Son. 

On XX/XX/XXXX, via MOBILE Deposit, I scanned and deposited MY IRS TX REFUND CHECK into MY Discover account ending in XXXX. Two days later, my account was locked and I have been unable to access my account. Can not log in online, can not call in, as I get redirected to some RUDE people, who will NOT tell me anything. They continue to tell me that my account was closed on XX/XX/XXXX, and that I would receive information or any money in the account after 60 days ... .UMMMMM WHAT?! I never received a letter, a call, email, fax or any communication from Discover Bank, in reference to my deposit being held, my account being frozen or ANYTHING. When I call in, I am told that - you have to wait, and there is nothing I can do about it - - I have the recording ... .RUDE! Well - as of XX/XX/XXXX - 60 days would have been XX/XX/XXXX or so. So I called again, SAME THING ... .RUDE, no answers, telling me to basically kiss off my account and MY money ....!!!! SOOOOOO Done .... If they claim ( LIARS ) that they sent me something in postal mail, I want copies - again I want proof they sent me something ... Their actions are punitive, and I want my funds WIRED into another account I designate ... .IMMEDIATELY - I quite prepared to take this to court ... .My refund check was in excess of {$15000.00} - I also want all the interest they earned off MY MONEY - want all detailed accounting, showing what THEY earned from my money, and XXXX. Interest rate they will claim I earned. I consider what they are doing as misappropriation of funds, embezzlement and other major infractions. I want IMMEDIATE RELEASE of my money - wired - NOT BY PAPER CHECK - WIRE OR EFT/ACH ONLY - to an account I designate, within 3 days of receipt of this complaint. PERIOD ...! I have attached the letter I forwarded to the IRS along with other documentation.
Product: Checking or savings account

Im really feeling so bad with the bank is about my real legal whole name doesnt fit on my card and account. They cut my name on my account/ card. It is hard when i have problems with banking they cant find # easily ask me toooo many questions wasted my previous time. 
When i do deposits by check the fund is not ready to use even the teller told me you can use immediately. It always happens I dont remember exact dates. 
Also making deposit used by ATM big currency isnt acceptable. I always need to wait branches business hours and stay in long line. 
Another issue is money transfer to my another bank account. It doesnt transfer fund immediately, stuck between 2 banks. The bank didnt fix problem 2 ; 3 weeks. I need that transfer immediately i was disappointed I couldnt pay my bills on time there was late fee because of mt money stuck I couldnt use it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ( XXXX XXXX ), Account # XXXX ( redacted ) and Citicard 's CBNA ( Citi Bank XXXX XXXX Account # XXXX ( redacted ), 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 15 U.S.C 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX reported a late payment on my account for XX/XX/XXXX and Citicards CBNA reported a late payment for XX/XX/XXXX. Beyond the violation of my rights, I have paid the accounts in full shortly after. These lenders, among others are still asking for my business so I must still be considered trustworthy. No harm no foul. The violation of my rights have injured my credit and myself as a person and I want these late payments removed from all credit reporting agencies, including but not limited to ( XXXX, XXXX, XXXX ) or further action with the XXXX, attorney general and others may be applicable under law.
Product: Debt collection

have received information regarding a debt that is being claimed against me. 
LVNV FUNDING LLC Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify this debt I need you to provide the following : - THE ORIGINAL SIGNED CONTRACT BETWEEN ME AND THE ORIGINAL CREDITOR - FULL PAYMENT HISTORY OF THE ACCOUNT.

- PROOF THAT YOU OWN OR HAS BEEN ASSIGNED OR HAVE AUTHORITIES TO COLLECT THIS DEBT.

- LICENSE THAT SHOWS YOU CAN COLLECT IN NORTH CAROLINA.

After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency.

Furthermore, Under 15 U.S. Code 1692c I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response.

Regards.
Product: Debt collection

I get calls all the time from random numbers around the country saying there is a complaint against me. Sometimes they are recordings and other times they are people throwing out scary words such as " garnish, affidavit, etc '' Now they are calling my wife and my mother-in-law and this is why I have submitted my complaint to you. 


The most recent numbers are : XXXX XXXX I am more than happy to help you catch them!
Product: Credit card or prepaid card

THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THM FROM MY CREDIT REPORT. IT HAS BEEN OVER 60 DAYS AND THEY HAVE NOT RESPONSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, and XX/XX/2018 I certified mailed your company a letter to validate and confirm verification of this debt and its inaccurate reporting on my credit file, XXXX has failed to respond within 30 days. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. 

In addition, XXXX you are reporting Acct # XXXX on my credit file but then forward me letters with a different account number # XXXX. All are inaccurate. 

Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is 100 % correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly and belong to PRA, LLC. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Product: Credit card or prepaid card

I called first about the same thing on XX/XX/XXXX XXXX to dispute the same transaction and after I provided all the details they asked for I was told and so forced to call again despite i Repeatedly requested to dispute the charge and when my ability was impeded to so i tried again and this is what happened : second attempt refused and here the details of same transaction : On XX/XX/2019 I initiated and made a recorded call to my Barclays Bank to dispute an online or internet transaction of {$60.00} charged to my Barclayss frontier MasterCard credit card. It was close to midnight so the call entered XXXX XXXX when the Barclays representative refused to take my dispute despite I told her I have different forms of proofs and she resisted taking my dispute in selfish manners and suddenly stated she is calling XXXX and the phone hang up on me from the other end. For the second time refusing my dispute!!! Whats wrong with the bank these days? Barclays must be subject to severe punitive sanction for violating my right to dispute a transaction. I was still talking to my bank credit card representative when I heard her saying transferring to XXXX without my consent to that and call ended not from my end their other end. I called third time minutes after the second call to contest Barclayss discrimination against my person to take my dispute or Im XXXX different than other customers and on what?
Product: Credit card or prepaid card

Hi, My son had received a {$100.00} gift card from his school XXXX in XX/XX/XXXX. This is a netSpend XXXX Debit card and was bought from XXXX grocery store. The card was activated at the time of purchase. In XX/XX/XXXX when we tried to use the card we were unable to ( which my son wanted to use for XXXX ). So, I decided to register at netSpend.com add the card to see what was happening. I can see that a monthly fee of {$5.00} was being deducted and the card shows balance. However, it also shows the card is expired. When I attempt to call the card issuer on the phone number listed on the back of card, it does not recognize the card and does not allow reaching customer service. I tried reaching the customer service on the website but that does not allow reaching the customer service without completing a security profile. The website does not allow me to setup a security profile without a valid card ( unexpired card ). 

It is frustrating that there is no way to reach this company other than writing to them via mail. By the time my mail reaches them they would have deducted another monthly fee. My son is greatly disappointed that he can not spend a reward he earned from his school. The card shows a balance that is depleting every month, yet it shows it is expired. Attached are the statement from XX/XX/XXXX and also the card activation history and expiration date. This is pure deceit of unsuspecting consumers. 

I hope this company is banned from issuing cards that expire, especially when there is balance. I am sure there are many out there like us.
Product: Debt collection

These people keeps calling for a payday loan that I never applied for. Threatening me with civil actions if I do not pay. Calling my family about this payday loan and threatening them with civil action. Everyday calling me and leaving me computer messages. These people are horrible scammers please help.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on any payments. I'm requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove i have letters and emails attached that show no proof of me attending the school that is all rolled up into my student loans - my experian report stated that i agreed in writing that it was removed in error and i never agreed to any sort of thing i need proof of this what is showing in writing
Product: Credit card

The CARD provider provided the minimum payment distribution. 

They didn't provide how they distribute the additional payments on top of the minimum payment I paid. 

Now they have distributed my additional payments in balances in APR order from lowest to highest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$420.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My partner was suffering from XXXX XXXX and I called XXXX repeatedly. Once they arrived, he convinced them that I was starting fires and they refused to leave my home until I went in the ambulance with them and drove two blocks to the hospital. They took my ID card from my wallet and told me I would not be charged for this ride and that I could leave as soon as w arrived, which i did. Months later I get this debt, immediately called and told them the situation and they said they would take care of it. In the process of buying a new home and frankly I was surprised to see this still on. my credit report. This so ludicrous and I want it expunged immediately, if not compensation for dragging my credit score down all these years.
Product: Mortgage

I have a XXXX XXXX backed mortgage with Wells Fargo for XXXX. They foreclosed on my wife and myself in XXXX. We fought the case for years and On Thursday XX/XX/XXXX they got confirmation. They had a sheriff sale and Wells Fargo then deeded our house to their name in XXXX. Although we paid our insurance separate we had a roof claim in XXXX. We sent the check to Wells Fargo for them to sign so we could get our roof fixed. They kept the check for XXXX and our roof continued to leak which caused mold.Wells Fargo Also Placed forced placed insurance on us to inflate our payoff. Wells Fargo also sued us for more than what was due in principle. According to our note prior to foreclosure Wells Fargo foreclosing on us we were suppose to get a letter stating how much is needed to be out of default. This is important because, in XXXX we put up a cash bond for XXXX to show the lender we wanted to pay. The XXXX dollars we put up is more than the note was actually behind.We applied for modification after modification ( HAMP ) asking can we pay. We explained we had a hardship years ago but we could pay. The case was dismissed as a bad foreclose and in XXXX they returned the money and refiled petition to foreclose attempting to fix the fraud.Although the sheriff deed was vacated in XXXX, they never deeded the house back into our name so we could refinance it or get a reverse mortgage we asked them and their attorney to deed the house back in our name as the court order stated. We filed modification after modification, we used XXXX XXXX to assist us in the modification because we were not sure why they would not approve us. They never sent denial letters. They just kept saying they don't have to respond and they were not giving us one. We filed bankruptcy wanting to pay. Our lawyer over and over asked them to give a payoff. They kept sending inflated payoffs with excessive lawyer fees, forced placed insurance although they were aware we were paying our insurance. We then filed another modification all in all we filed every year for 9 years. Prior to the confirmation hearing we offered XXXX cash they would not except. Knowing the last sheriff sale only got XXXX. We have documents, phone records, and inflated payoffs.We also read about Case No. XXXX and found we had some of the same issues. We contacted the attorneys for the Defendants. We have spoken to numerous people at Wells Fargo including XXXX XXXX whom was working on the modification because it was XXXX XXXX. XXXX XXXX XXXX XXXX office of the President. XXXX XXXX direct line to executive of Wells Fargo XXXX. XXXX XXXX told us not to speak with anyone but him but he has not helped us. 

XXXX XXXX XXXX  filed a sheriff deed on our house after they sold it in XXXX. The judgement was over turned. From XXXX until the present we have asked them to put the house back in our name since the Judge Ordered them too, but they never would which prevented us from getting a refinance or reverse mortgage. It also violated a direct order from the Judge. We could not fix this because it was filed with the Oklahoma Court County records. Which means they must file another deed deeding it back to us.
Product: Checking or savings account

They take too long to clear my transaction so I add up on overdraft when I have money in my account