23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I originally called for the first time in the beginning of XXXX of XXXX. I don't have the exact date that I called but it was around the XXXX. The lady on the phone immediately asked for my credit card information. I then explained that I called to let them know that I just realized this was on my credit report and intend to pay when I get my tax return. I think it was XXXX who I spoke to and everything went well. 

I then called XX/XX/XXXX and asked for more information on the debt. The lady on the phone told me that she couldn't send me any information and that I would have to call my insurance. I told her that I would do so and give them a call back. 

I then called the debt agency back to let them know that I am now waiting for the itemized bill or validation of the bill. As I was talking the lady on the phone she asked my first and last name, when I responded, she told me that I had " too many letters ''. She then asked what my account number was and I told her I didn't know and if she could please give that info to me. 

I think this is when she started getting angry because she said my account number incredibly fast. I asked her to repeat the number and she instead kept asking me for my credit card information. I told them that I intend on paying them when I get the itemized bill and more information on how much/what I owe. She then kept interrupting me and stated " I'm going to chart that you have no intentions of paying this back ''. I kept trying to correct her and told her that I do intend on paying I just need to validate my debt. She started yelling at this point and kept saying over and over " I'm charting that you are not going to pay, we are going to further pursue this and your debt. '' I kept repeating " I do intend to pay I need an itemized bill or proof/validation of this bill. '' She also told me that they contacted me in XXXX which wouldn't have been possible, and when I corrected her she told me she " meant XX/XX/XXXX ''. She also gave me a different amount of debt from what the first lady told me and I had to correct her on that as well. The phone call eventually ended, and I managed to be respectful as I know it must be hard to be a debt collector but it was pretty upsetting and disrespectful to be talked to this way. 

When the call ended I called the agency back about 5 minutes later hoping that I would get a different person to talk to. I called back 2 times and I got no answer or a voicemail.

The 3rd time I called ( after speaking to the last lady ) I got someone else to talk to and told her that I just wanted to confirm that I was waiting for an itemized bill. She said that she would chart it, and then hung up. 

I feel that it is my legal right to have validation of this debt before making any decisions.
Product: Credit card

I applied for a loan on XXXX/XXXX/XXXX. ( Navy FCU ) .I called to get my status and was told I was turned down. They suggested I apply for a credit card ( NFCU/XXXX ). I did so so. They did not tell me they would pull my credit again. Again I was turned down and was told by the person on the phone to apply for a loan consolidation. I did so and was not told they would pull my credit. Why should they? They had done it on XXXX/XXXX/XXXX. I ended up with XXXX hard pulls and no one had told me that I would get XXXX other pulls : XXXX XXXX, XXXX, and XXXX I called on XXXX XXXX. On XXXX XXXX, XXXX I spoke to XXXX about the XXXX hard pulls. He said the notes the notes confirmed that I had given my permission XXXX times. I said I did not recall ever confirming XXXX hard pulls. He said he would check the tapes and get back to me. On XXXX XXXX, I called and spoke to XXXX who said XXXX told him he had referred the matter to the inquiries Dept. I waited and then called again to get an update and spoke to XXXX. She said the tapes showed I had agreed to hard pull credit checking. I said I did not remember doing so and to send me hard copies of the tapes. She said I would need a subpoena. I believe she is lying. 
Why would I agree to XXXX hard pulls 3 days in a row?
Product: Debt collection

This debt does not belong to me at all. I have asked several times for these companies to violate this debt and not one notice has came to me. This is in violation of my rights!!
Product: Credit reporting or other personal consumer reports

The information reported under this account is factually incorrect. I recently pulled my credit reports and noticed you are reporting incorrect information ( high balance, last verified date, remarks and late payments ) for this account ( XXXX XXXX XXXX ). 

High Balance across the three credit bureaus are inconsistent XXXX {$430.00}, XXXX {$430.00} and Equifax shows {$300.00} Date opened shows inconsistencies XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax shows XX/XX/XXXX Creditor Type shows inconsistencies shows that says it's a XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX and Equifax shows XXXX Banks XXXX XXXX XXXX says XXXX- Cancelled by credit grantor/, XXXX XXXX has been closed due to inactivity and Equifax shows Closed or paid account/XXXX  balance/account is closed by credit grantor all show signs of inconsistencies Last payments show that XXXX and XXXX has a last payment day of XX/XX/XXXX while Equifax shows a last payment as of XX/XX/XXXX XXXX XXXX Reports a late payment in XX/XX/XXXX ( 30 days late ), but all other months are marked as OK. 
XXXX : Also reports a late payment in XX/XX/XXXX ( 30 days late ), but all other months are marked as OK. 
Equifax : Reports a late payment in XX/XX/XXXX ( 30 days late ), which is inconsistent with the records from XXXX and XXXX
Product: Debt collection

Received letter ( XXXX/XXXX/16 ) from company ( " American Coradius International LLC '' ) claiming to be collections company indicating I owe {$370.00} to " XXXX '' via my XXXX account. I do not recognize the amount or the " XXXX '' name. I logged in to my XXXX account ( XXXX/XXXX/16 ) and note that no balance is present and any payments I made via credit during the past year and prior are resolved, with no indication of money owed. I have checked my XXXX and XXXX credit reports ( XXXX/XXXX/16 ) and see no indication of the {$370.00} debt or the " XXXX '' name, nor any other past due debts.
Product: Mortgage

According to the UNITED STATES SECURITIES AND EXCHANGE COMMISSION XXXX XXXX XXXX FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15 ( d ) of The Securities Exchange Act of 1934, Dated of Report : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX were sold to XXXX XXXX XXXX on XX/XX/XXXX. See attached XXXX. 

Mortgage Assignment from XXXX XXXX XXXX XXXX   to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX dated XX/XX/XXXX is invalid based on at the least these findings. 
A - According to the SEC Form 424B5 - Prospectus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cut-off Date was XX/XX/XXXX with a Closing Date On or about XX/XX/XXXX. XXXX XXXX. 
B - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX were sold to XXXX XXXX XXXX on XX/XX/XXXX. See Attached. 
C - XXXX XXXX XXXX XXXX  XXXX is the Depositor. The assignment of the note and mortgage from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rather than from the Depositor, violates the Pooling and Servicing Agreement which requires that the Depositor deliver to and deposit the original note, mortgage and assignments to the Trustee. Under XXXX XXXX Trust Law, every sale, conveyance or other act of the trust in contravention of the trust is void. XXXX XXXX. 
See Attached PSA.
Product: Vehicle loan or lease

Since starting my lease with Porsche Financial and creating a payment portal through their website, i have suffered monthly with trying to make payments with little to no success. The website has majors issues either always having a " down for maintenance error or the site continuously refreshes itself not allowing to accomplish anything. I am a XXXX  and traveling every week to different countries and online payments are the most convenient means of managing my bills. Each month ive tried to make a payment there is a site issue and when trying to contact via phone the number provided from their own site does not work either. I've had to call other the dealership in order to speak to someone who could only somewhat be of assistance. This has now resulted in a late payment that is now effecting my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

AXXXX 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  has violated my rights. Or a list of inquiries : 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 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.
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Complete Credit Solutions {$1800.00}
Product: Checking or savings account

I've been having problems with my Bank of America checking account since I opened it they freeze my card money is not coming out when I do use their ATM they can ID me I can not use my online account I've been having a lot of issues
Product: Debt collection

I have missed a few payments from Comenity Capitol Bank and I received a voicemail stating if I dont call them back they are going to place a warrant out for me. That is illegal and not allowed under the FCRA.
Product: Consumer Loan

My XXXX XXXX XXXX was Reposessed by Wells Fargo Bank on XXXX/XXXX/XXXX. Wells Fargo hired a company called XXXX that then subcontracted with XXXX XXXX XXXX out of XXXX, PA. Upon learning that my vehicle was Reposessed I contacted IRS in order to recover my Personal Property. I was informed that my vehicle had been transported out of state and that my property would cost me {$75.00} to have it returned. In addition I was told I was not allowed to have the Ball Hitch that I had purchased because it was " attached '' to the vehicle. I asked the manager there what if my boat had been attached to the hitch and she laughed and said " bye bye boat '' I reached out to Wells Fargo because I had been told numerous Consumer laws had been violated throughout the repossession process. The agent drug the vehicle out of my driveway leaving over XXXX ' of skid marks down the driveway and out onto a main road. In addition I am being told that the Ball Hitch and Lockong Pin, most definitely needed to be returned, and also that IRS was required to keep the vehicle in the state it was Reposessed in and they actually transported it over an XXXX drive from my home.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXX : Account number : XXXX XXXX : Account number : XXXX ( Original ) : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Money transfer, virtual currency, or money service

I was using the Gemini company to place and order in for crypto just in case the crypto dropped below a certain amount. I made XXXX orders, XXXX of which went in correctly and the last charging me XXXX XXXX XXXX XXXX XXXX  not the amount of money I wanted to place in the coin. Because of this, I went and canceled the pending transaction when a {$50.00} order became a {$3500.00} transaction. Gemini still ended up withdrawing my money through an ACH transaction in which I called my bank to reject. Gemini responded by sending me an email that they froze my account due to the transfer error and told me to contact them. I've contacted them several times and have been ignored, while my money is locked up and unable to access. This is the problem I am facing. There isn't a phone number or someone to speak through, it's all through email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an updated letter from Equifax, stating the XXXX account in question with a number of inaccuracies was updated instead of being deleted. The law does require Equifax when notified of erroneous information in any form that the item be deleted. Instead, they chose to update all of the missing information instead of deletion, ( five missing pieces of information ). I supplied the informatio in a previous complaint and I will attach the information once more. XXXX Acct Number XXXX. I have submitted numerous letters previous to this one that showed negligence on behalf of Equifax and your unwillingness to have this item removed, Instead, the item was updated, the law does not give a provision for an item to be updated, the law states that this and all subsequent tradelines, when disputed if there are any inaccuracies must be deleted. I am filling a follow-up claim with the CFPB to have this remedied immediately. 

Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX Sincerely,
Product: Vehicle loan or lease

The scheduled auto loan payments automatically paid monthly through ebilling. The last payment was taken automatically but did not take the overage. The access amount and fee totally {$27.00} was waived but now it is showing up on credit bureaus report as late. I disputed to Bank of America and all three bureaus but Bank of America dispute department said it was accurate. I am unable to speak to someone directly to explain. I have never made a late payment and have excellent credit until this {$27.00} late payment is showing up after the account has been paid and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that there are late payments listed during my installment period and I have made several attempts to correct the issue. Your company has continued to report incorrect information. I had several loans with other lenders at the same time and there were NO Delinquencies. These loans similar to the loan I had with you were in a deferment period. 

The loan has been closed and the debt to you has been PAID IN FULL. However, your company is still reporting this erroneous information to all credit bureaus. This is clearly a clerical error on your companies end. I do understand that things happen. But I would like to request that one of two things happen moving forward : 1. My credit file is updated with all lenders showing that the payment was not late.

2. Since the loan has been PAID IN FULL! Your company remove all records of the debt from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email alert from XXXX stating that a Hard Inquiry from XXXX was done. 

Today, I contacted XXXX to dispute the Inquiry. They said it will be removed and to contact XXXX XXXX. In addition, XXXX asked if I was interested in a freeze that would restrict new inquiry to require my authorization. As of today, the Freeze should be in place. 

I contacted XXXX XXXX XXXX department to be transferred to XXXX XXXX. They confirmed an application was received and approved. XXXX XXXX has blocked the card as of XX/XX/XXXX. They stated no cards were mailed. I was advised check with the U.S. Post Office to verify if any fraudulent change-of-address were filed. 

I am in the process of reporting the fraudulent inquiry to TransUnion and XXXX. I am also checking with the U.S. Post Office for any fraudulent address change request.
Product: Mortgage

This situation was addressed in a previous complaint that was not resolved I was denied a home equity mortgage. The bank refused to furnish me a copy of the actual XXXX XXXX report that was used to determine my eligibility. I requested a copy of the actual report because XXXX XXXX and the annual credit report website did not give me a full report with my score. 


original complaint number XXXX
Product: Money transfer, virtual currency, or money service

ON XX/XX/year> a {$5000.00} XXXX payment was made to XXXX XXXX ( XXXX ). In an all honest mistake. I reached out to XXXX and ask her to return the money but to no avail she didn't and quit replying. If you can see my payment history XXXX has never been paid by myself or have not done any business with XXXX. If you look at my activity I frequently send XXXX XXXX ( XXXX ) payments
Product: Debt collection

I cancelled the policy and they started new insurance. They claim because the policy did not start a day prior, I had to pay the remaining balance of the insurance I am no longer using. This a tactic to collect money from me that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around a month or so I submitted a dispute about the unauthorized inquiries I had on my transunion report and since then there was no updates or anything
Product: Vehicle loan or lease

On or about XX/XX/XXXX TDAUTO Finance was sent a contract by way of Certified mail, the negotiable instrument contract stated " I accept your offer in the amount of {$19000.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument ''. TDAUTO Finance redeemed the the instrument on or about XX/XX/XXXX. TDAUTO Finance has not honored the contract and continues to harass and Tarnish the credit of the allege XXXX On or about XX/XX/XXXX TD Auto had a unlawful, un peaceful repossession of the allege debtors vehicle. TD is currently extorting allege XXXX fraudulently
Product: Credit card or prepaid card

I have new and updated information. 

NORDSTROM invited me to write them when they have inaccurate information about me or what they've reported to a CRA, so I did. NORDSTROM acting as a creditor AND a debt collector at the same time isn't legal, not to mention unethical and they should know that. After reintroducing myself, I let them know our relationship didn't include them acting as a debt collector. I reminded them that I extended my open-end credit as the original creditor through a credit application, and they are the secondary creditor. The way they re-extend credit back to me is through my originating the transaction with my credit card ( Social Security Card ) to open and fully pay the account. 

My consumer reports show the receipt for the transaction on XX/XX/2022, verifying that NORDSTROM used my credit card ( Social Security Card ) to get a loan from the Federal Reserve using my identifying information and application - although they are not me and did this without my knowledge or consent - and is actively threatening me to make payments to them that I do not owe. NORDSTROM has taken MY money but has no right to do so. NORDSTROM has already been paid in full and I do not owe any alleged debt. Therefore, I have not validated any alleged debt and refuse to pay it. 

I want our credit relationship to be on the right track and told NORDSTROM what it takes for that to happen : stop communicating with me as a debt collector ; keep the account open, active and in good standing ; only report the account as paid in full and on time to the CRAs ; XXXX the balance out monthly because this is an open-end credit card that has already been paid in full when they used my credit card ( social security card ) and the card includes a finance charge which is the sum of ALL charges ; return all my monies that were illegally collected because of the false and misleading forms that were sent. 

NORDSTROM retaliated against me for my dispute and CLOSED my account. They did this behind my back AGAIN. No notice was given to me. Now they are sending the inaccurate information to CRAs and ruining my reputation. NORDSTROM has taken advantage of me and continues to violate my rights as a consumer and natural person. Whatever the internal policies of NORDSTROM, they can not and do not usurp the Truth In Lending Act, which came to be to prevent fraudulent activities. 

I want all my money back because I paid cash on this account for the time it has been active, which is illegal as the account is an open-end consumer credit plan and has a finance charge, which shall only be paid with credit. I want my account reopened with clean credit history as paid on time and in full on a monthly basis to all CRAs.
Product: Checking or savings account

Money was sent to a Joint Navy Federal savings account in error by the United States Department of Veterans Affairs educational finance Department. By the time tracers came back and verified that my name was on the account that my money was sent to in error to this joint account the money was gone and could not be recovered in the amounts of {$93.00}, {$140.00}, {$180.00}. The Va submitted a ACH reclamation letter to the Navy Federal Credit Union ACH department and did not get a response as fas as information requested to recover the funds if they were not available from any other accounts from persons named on the joint account, or information for names on the account so that the va could send correspondence to the other individual on the account to repay the debt. I am now forced to act on civil litigation with the other individual on the account and do not know if there was any violation of my own privacy before and during all of this done by the other individual. I would like the federal credit union to comply with the Department of Veterans Affairs in retrieving the money in the amounts above and to have the bank contact the individual as requested by the VA to retrieve the information requested and help the Department of Veterans Affairs finish in recovery of the money deposited in error thank you.