23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I will upload this as a XXXX  in case the formatting gets lost : 1. US Bank has yet to answer the question Where did my line of credit come from? Yet they continue requesting I send them Federal Reserve Notes, as though they have actually loaned me anything. 


2. They repeatedly keep my tender of payment while claiming they can not accept my tender of payment.

3. They repeatedly refer me to the Cardmember Agreement, which has been established as fraudulent, as it is based on the fraudulent premise they have provided me with anything of consideration. Fraud vitiates everything, from inception.

4. I have repeatedly returned their fraudulent Cardmember Agreement, along with other letters requesting Federal Reserve Notes ( which they have yet to prove owe ), instructing them to stop mail fraud. However, they continue sending me said fraudulent documents through the mail, while knowing theyre engaging in mail fraud.

5. UCC 3-603. TENDER OF PAYMENT states If tender of payment is refused, there is discharge, to the extent of the amount of the tender Thus, US Bank is in violation of approximately {$10000.00} worth of discharge owed to my account.

6. The refusal of tender of payment, a Bill of Exchange, constitutes Dishonor, giving rise to my right to seek remedy for Breach of Contract.

7. I have explicitly forbidden them from sharing any negative and identifying information with any 3rd party, such as the credit agencies, and yet US Bank continues sharing my personal information having a negative impact on the credit reports. This constitutes identity theft and violation of my privacy.

8. In addition to their violation of identity theft and privacy laws, US Bank is also sharing FALSE information, as I have never missed a tender of payment and have not used my credit card in a few months- yet they repeatedly report late/past due payments as well as a high balance and high credit utilization.

9. I did not authorize US Bank to close my account. On the contrary, I forbade them from doing so in numerous correspondences. Due to US Banks failure to perform on my tender of payment, I have not had access to my line of credit in months ; and now they have categorically restricted all access to my account.

There are more violations ; however, for the sake of brevity, I will not list them in this particular section in this particular complaint.

For the Record : I hereby opt out of any Arbitration Clause I may have unknowingly - or even knowingly- opted into. I do not wish to resolve disputes with US Bank through Arbitration.

Again, I reject the arbitration clause in the US Bank Cardmember Agreement and any other contracts/agreements that I may have previously agreed to. This opt-out remains in effect even if US Bank can demonstrate their Cardmember Agreement to be valid.

Thank You for noting my account.
Product: Money transfer, virtual currency, or money service

XXXX writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX  XXXX, AK XXXX XXXX XXXX XXXX XXXX, AE XXXX XXXX XXXX Balance : {$98.00} XXXX XXXX XXXX XXXX Balance XXXX {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

there are collections accounts that I had no prior knowledge of and I demand that they are deleted. These account are hurting my credit rating, credit standing, and credit capacity as these consumer reporting agencies are reporting unverifiable information. I have never received any notices from these companies regarding their respective debt which is a violation of both FCRA and FDCPA.
Product: Mortgage

I submitted a Qualified Written Request ( RESPA ) to LAKEVIEW LOAN SERVICING LLC on XX/XX/XXXX via registered mail. Their Loan servicer, XXXX XXXX acknowledged receipt of the request with a letter dated XX/XX/XXXX well after 5 days of receipt ( 1st violation ). They assured that they take these matters seriously and a detailed written response will be sent no later than 30 days from receipt excluding weekends and public holidays. Per 12 CFR 1024 if they are not obligated to respond to my RESPA request, they are supposed to notify me within 5 business days from their decision not to respond. I have not received any correspondence from LAKEVIEW or XXXX since the acknowledgement letter dated on XX/XX/XXXX ( 2nd violation ). It has now been 41 business days without a response to my RESPA request ( 3rd violation ). This is well past the 30 days required by 12 CFR 1024. As well, I have not been notified of any15 day extension to respond to the qualified written request. I called in to XXXX today XX/XX/XXXX @ XXXX central time. The call lasted 25min 36sec with XXXX XXXX I.D . XXXX. I was calling to make inquiries and was informed that my Home is already in foreclosure status as of XX/XX/XXXX ( 25 business days after my qualified written request RESPA with no response to or about it ). I was informed that I should call their foreclosure attorney XXXX XXXX XXXX XXXX and their phone number was provided. This is the first time I'm hearing about a foreclosure. I have not been notified by any attorney, LAKEVIEW nor XXXX. This is also out of line with the FDCPA. Legal action will be taken.
Product: Mortgage

I am a customer of Freedom Mortgage and I have been since I took out a loan in XX/XX/XXXX to purchase my condo. Since then I have always paid my monthly mortgage payment which includes property tax escrow, on time. However, Freedom Mortgage and its affiliates as holder and servicer of my mortgage, in turn, did not pay my property taxes on time in XX/XX/XXXX and XX/XX/XXXX and miscalculated the escrow amounts. 
By not paying the property taxes for over two years Freedom Mortgage incurred over {$3800.00} in late fees and penalties and fines. During the time when they did not pay I sent my payments on time to them and their servicer. I was the one who alerted them to the problem in XX/XX/XXXX and they admitted fault and paid the bill. Nearly a year later in XX/XX/XXXX, they assessed me over {$3800.00} in penalties essentially claiming that I am responsible for their failure to manage my property tax escrow. They started taking this money without asking by giving me a monthly escrow overage charge of {$880.00} and overdrew my bank account in the process. They are attempting to collect the fines and overage charge that resulted from the errors made by them, their mismanagement of my property tax escrow funds and general ignorance. I paid them on time but they did not do their job as agreed. They did not pay my taxes. 

I have contacted Freedom Mortgage in writing by email and at least 20 times since XX/XX/XXXX providing full supporting documentation showing that I have paid and the mistakes made on their part. I also found a string of other errors they made while administering the escrow account. The issue is their grossly negligent miss management of the escrow account on my mortgage and the extortionist manner in which they are now taking money from me which is not theirs. 

Their response is to ignore me and insist that I have to pay for the property tax and escrow mistake made by them as the holder and servicer of my loan. Sometimes they blame their subcontractors for this mistake, sometimes not, they have stopped returning my calls, they continue to call me with autodialed calls by agents who ignore that a case is open and ignore the facts and they have not given any formal response to my written request after more than 30 days. Furthermore, they threaten to report me to the credit bureaus if I do not pay them the fines resulting from their mistakes. 

Please keep in mind that they are the ones who should be managing my property tax escrow yet they did NOT pay my property taxes on time for two years even though I sent the money on time each month. 
Additionally, the people who work there do not understand what the difference is between principal, interest and escrow. These people and company are a menace and someone needs to threaten them back because they treat their customers like garbage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account on my credit report XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items XXXX not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with XXXX, Transunion and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system may have found. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX Acct XXXX XXXX XXXX Unauthorized Credit Inquiries to be Removed IMMEDIATELY : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 


Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

This account is a charge off from LOCKHART MORRIS AND MONTGOMERY.
Product: Debt collection

XXXX XXXX XXXX XXXX, address on their website is : XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number XXXX. 
XXXX XXXX XXXX has contacted my place of employment by repeatedly calling my place of employment. They call my office at a minimum of 3 times a day. The secretary as well as myself has asked them not to contact me at work. They are collecting for a past due American Express account. They sound as if they are out of a call center in XXXX or something. I emailed them a weeks ago asking them to remove my work number and they continue to call. Just XXXX XXXX, 2021, I asked them to stop calling my work, verified my employer number to remove from the call list and they call right back the next day and the day after that. They call my work cell phone. They call and change/scramble their phone number to disguise their identity. Sometimes they call the office 3 times back to back and hangup each time. They say ok we will remove the employer 's contact number and then keep calling it. 
My money is low due to COVID 19 and missed several months from work and have been behind on bills every since. I keep explaining the situation to them and now I am scared of losing my job because they keep calling my office. The payment options given by XXXX XXXX XXXX are too high for me to afford, such as 6 payments of {$1100.00}, or 3 payments of {$2500.00}. I am so scared of my losing my job at this point and don't know what else to do.
Product: Debt collection

The debt and documents that genesis are sending for proof is incorrect, the property XXXX has fraudly sold this incorrect debt to genesis, the property never communicated with me about these extra fees or even tried to settle this debt with me because they knew it was incorrect, i will continue to fight this until it is resolved, i do not owe this amount and it is illegal to put interest on a debt that i did not sign a contract with genesis. They also call me all types of hours and days all day, making threats and being very disrespectful.
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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$5900.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00}, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2022, I called First Advantage Corporation, a tenant screening company, in reference to Application ID XXXX from XXXX XXXX apartments. A customer care representative person in charge, XXXX XXXX, insinuated there was fraudulent activity on the application and that the company needed to verify my telephone number to process the application. The customer care representative pushed the false narrative that the credit reporting agency, XXXX, had required a valid telephone number to verify information in the credit report. To whit, I firmly stated that I was indeed the account holder who had placed the fraud alert with all three credit reporting agencies. I firmly stated that I had previously contacted XXXX about an upcoming apartment screening process. I adamantly affirmed my rights to the aggressive customer service representative their company only needs to verify my name, date of birth, social security number, and current address for confirmation. I sternly stated that neither she nor the company had the right to use a phone number and the claim that a non matching one in the records gave pretext to deny my application. Doing so, I warned, constituted discrimination which is illegal and it violated statutes within Fair Credit Reporting Act. 

The heated exchange between the customer service representative, XXXX XXXX, centered upon her aggressive manipulation and attempt to promote a false narrative to deny an apartment application. As a person in charge, she failed to pay attention to the protocols in Fair Credit Reporting Act that pertain to consumer reporting agencies ' obligation to follow reasonable procedures to assure maximum possible accuracy of information, and permissable purpose for consumer reports, specifically in this instance for tenant screening. XXXX XXXX completely ignored these protocols set forth in the Fair Credit Reporting Act and treated these legal statutes as minor objections to overcome during the course of a telephone call.
Product: Mortgage

Hired to do a loan modification for our client. Submitted package via facsimile to Wellsfargo. When I called Wellsfargo to do a financial interview over the phone which is their normal procedure I was advised that my client can not be considered for any loss mitigation assistance as he has already had two previous credit decisions in which he was denied for a modification because affordability was not reached. Client was denied is XXXX and then again in XXXX. However, my client 's financial situation has changed and he should be reviewed for workout options to help him save his home. Per lender they can not review the borrower for any assistance based on Wellsfargo guidelines and investor guidelines due to the delinquency of his account. We would like for them to review our client and give them a decision rather than say that they will not even consider him for anything.
Product: Checking or savings account

I am a Wells Fargo customer and I read an article that said they may owe me money from a. Fault on their end.
Product: Student loan

My loan it seems was transferred from XXXX to Great lakes in XXXX of XXXX. I have never once received information pertaining to this via email or phone until XXXX. Now it seems I am 4 months late with my payments which have been automatically paid through XXXX XXXX for the last 11 years without a hitch. Not only will Great lakes fail to acknowledge that the y may have bade an error but are trying to charge me 2.75 % instead of the 1.75 % I had been paying for the last 9/10 years. This is a scam that must be addressed.
Product: Prepaid card

I received an American Express gift card as a gift for XXXX. Out of the {$50.00} I have only been able to get XXXX place to accept the card so far. Every other store will not accept the gift card. I was on hold with customer service for over and hours to try to see if I could just have a check sent to me with the balance and they transferred me around before I was disconnected. When I read up on the problem it seems that lots of people have this same issue. Id just like to get the remaining balance off the gift card so it can be used
Product: Credit reporting or other personal consumer reports

Attention : TRANSUNION, XXXX, XXXX Per IRS there are two qualifiers for 1099-C Cancellation of Debt : File Form 1099-C for each debtor for whom you canceled {$600.00} or more of a debt owed to you if : You are an applicable financial entity. 
An identifiable event has occurred. 

By definition of the above publication see IRS website link : XXXX XXXX XXXX XXXX # : ~ : text=File % 20Form % 201099 % 2DC % 20for, An % 20identifiable % 20event % 20has % 20occurred. 

I am not obligated for the debt that XXXX XXXX has cancelled as an identifiable event has occurred and the applicable financial entity [ XXXX XXXX ] has filed a 1099C cancellation of debt in which they have already written off. I have explained these matters to XXXX XXXX and they've stated they would investigate the matter and provide a resolution. Meanwhile, I've already provided and obtained proof of the filing of the Cancellation of Debt 1099C by the company ( with proprietary account # 's and identifiers blocked out for my protection and theirs ). This XXXX XXXX XXXX XXXX is now showing on my personal consumer report as delinquent ( which is inaccurate ) It should be shown as a closed account and not as a " charge off '' because the company has cancelled the debt as an identifiable event has occurred per their filing of the 1099C Cancellation of Debt. Also, even though the account is no longer active, the Credit Reporting Agencies are allowing the Lender to update the amount of the debt monthly reporting the amount as {$100.00} higher than the originally cancelled amount which was {$2200.00} and is now {$2700.00}. TRANSUNION XXXX AND XXXX are complicit in the violations committed by XXXX XXXX XXXX XXXX against the Fair Debt Collection Practices Act 807. False or misleading representations 808. Unfair practices and is in Violation of Fair Credit Reporting Act. The lender has made their money back through insurance and is now trying to collect in addition to what they've been able to recoup which goes against TILA ( Truth In Lending Act ), this practice has not been disclosed in the agreement signed with the Card company. The Bureaus job is to operate in favor of what is right by law for the protect of the consumer, in this case as with many cases, this is not what has been the experience and something needs to change.
Product: Credit card or prepaid card

I was denied the Home Depot Credit card even though I have excellent credit and long standing credit history. The decision on which Citi said they made the decision is incorrect. I've escalated this to their executive response unit multiple times over the last few months with no resolution. Given that this decision was made in error, I have asked them to remove the hard credit inquiry which they won't do and is leading to this complaint.