23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Account Number : XXXX The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
My XXXX XXXX XXXX mortgage account has 30-Day delinquencies for XXXX and XXXX. My original mortgage servicer was XXXX and was bought out by XXXX XXXX XXXX in XXXX. Due to the recent XXXX settlement, XXXX XXXX XXXX was one of the lenders who were found guilty of extensive mortgage servicing misconduct and deceptive practices during the XXXX settlement. Therefore, my 30-Day delinquencies are a result of their misconduct. 
At this time, I ask that you remove the 30 day late payment immediately off of my account and credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any association with this creditor. This was not approved and or authorized. 

XXXX XXXX Inquired on : XX/XX/XXXX Comment : Real Estate on behalf of XXXX XXXX  XXXX . This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit card

I am an active duty service member. I have a credit card with American Express. In XX/XX/XXXX I requested SCRA benefits because I had heard American Express wil waive the annual fees for their account holders which American Express did. However, I am currently on a XXXX from XX/XX/XXXX to XX/XX/XXXX. I uploaded a copy of XXXX to American Express again to have SCRA benefits applied for the time of my deployment which should be a reduction in interest rate to 6 %. However, American Express keeps telling me that because my interest rate was previously adjusted for SCRA benefits they will not apply them again. At the moment I am currently deployed and paying a higher interest rate than 6 %. I have made this compplaint multiple times with American Express and have received XXXX letters saying my account was previously adjusted and no further action will be taken at this time.
Product: Vehicle loan or lease

I am writing to make a formal complaint against FOURSIGHT CAPITAL LLC starting XX/XX/XXXX demands for XXXX XXXX payments on a loan persisted even till this day with negative credit reporting placed on my XXXX credit report as of XX/XX/XXXX however previously the account showed " Paid in Full '' as of XX/XX/XXXX. However I recently discovered I couldn't have made a payment when there is no money. Per Justice XXXX XXXX 's supreme court decision on XX/XX/XXXX in XXXX XXXX XXXX XXXX XXXX " all forms of XXXX XXXX issued without intrinsic value-legally null and void, effective immediately ''. " Additionally, any debts derived from such currency were deemed invalid, based on determination that the foundational practices of modern banking and credit are inherently fraudulent ''. FOURSIGHT CAPITAL LLC never gave a loan or financed any transaction but there is a contract to evidence the fraud. A loan could not be given when all forms of XXXX currency-money issued without intrinsic value is legally null and void. A copy of this complaint will be forwarded to the DOGE at XXXX to inform them that I've had some hardships and I have the right to discharge this debt. All debts public and private are that of the United States Treasury and any bill from FOURSIGHT CAPITAL LLC should have gone to the United States Treasury. There clearly has been an accounting problem on part of FOURSIGHT CAPITAL LLC because all rights, title and interest should be put towards the alleged balance and I would like my credits returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft. Please let me know if you need any other information from me to block this information from my credit report.Thank you.
Product: Credit reporting or other personal consumer reports

I have 2 issues I have reported to sezzle that this account doesnt belong to me and that it was fraudulently opened. But they only closed the account at first. Then it was removed off of all 3 credit reports and few days later they wanted to report again a closed account that doesnt even belong to me. SO AGAIN ACCORDING TO THE FCRA I DID NOT GIVE PERMISSION FOR MY INFORMATION TO BE USED TO OPEN THIS ACCOUNT LET ALONE GIVE WRITTEN CONSENT FOR THIS ACCOUNT TO BE REPORTED ON MY CREDIT REPORTS!!! IT NEEDS TO REMOVED AT ONCE OR ILL WILL BE SUEING BOTH THE CREDIT BUREAUS AS WELL AS SEZZLE. THIS IS CRAZY AND RIDICULOUS I LET YOU KNOW THE LAW YOU ARE VIOLATING AND YET THEY REFUSE TO DO THEIR JOB
Product: Checking or savings account

This complaint is against Wells Fargo Bank. When one is experiencing identity theft, there is tremendous stress involved. And this can require several hours of work each day. Very aggravating when the identity theft was created and caused by a XXXX XXXX XXXX XXXX XXXX XXXX. And to make matters even worse, when everything was put in place to prevent what Wells Fargo allowed to happen- specifically my Retirement Savings drained- as I had all accounts deactivated and disabled????? 14 months thus far, back and forth with Wells Fargo. In dealing with Wells Fargo, I have been passed through many departments, many Escalation Representatives, Executive Office Case Specialists, Deposit Product Support Services, Mediation Program, Claims Assistance, Executive Office ( many times ), Enterprise Complaints Management Office ( countless times ), etc., etc., etc., This entire ordeal has been very aggravating, and made much worse in dealing with such a hateful and anti- customer oriented bank such as Wells Fargo. I need a Cashiers Check mailed to me for $ XXXX which is the amount that Wells Fargo allowed to fraudulently removed from my Retirement Savings. I need ONE DEPARTMENT and ONE STAFF MEMBER to work with me for a Resolution!!!
Product: Debt collection

The company Portfolio Recovery purchased a debt from another company and I had no involvement with this transaction. As a natural person pursuant to 15 USC 3002 I, XXXX XXXX am a consumer and am not in charge of this name in all caps. Pursuant to 15 USC 1692b2 this company has reported that I owe them {$450.00} via the three credit reporting agencies ( XXXX XXXX and XXXX ) which is a direct violation. 15 USC 1681 states that the only ways information could be furnished in a credit report is by court order or with a consumers written consent and in this case neither was furnished. Also on XX/XX/1933 congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declaration that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment legal tender for public and private debts.
Product: Checking or savings account

Hi I am trying o get a bank account opened and they are refusing to open one account called check free hassle there now I did reach out to the bank myself and they refuse to help out there and I do have the names of the prism I did contact need some help there
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, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Money transfers

I sent money through Money Gram as I often do every month, on XXXX/XXXX/16 at XXXX. They put a hold on XXXX of my transactions. They said to call them back in an hour to see when the funds would be available. I have tried to get this resolved seven times calling them back and waiting on hold and not being given a reason for the hold. I had sent another separate transaction and there was no problem. They keep on telling me to call them back and they keep on saying they are e-mailing the department that puts things on hold. It is now XXXX/XXXX/16 and they are telling me the same thing. Now, I just want my money back and I will go to XXXX XXXX.
Product: Checking or savings account

The Consumer Financial Protection Bureau ( Bureau ) intends to initiate an administrative proceeding against Navy Federal Credit Union ( Respondent ), under 12 U.S.C. S 5563 and 55 lection of overdraft fees from consumers on transactions that had transaction but then late overdraft fees from co the reasonable expecta Transaction were : not available. in vir U.S.C. 5531, 5536 it the time Respondent authorized the ficient balance, and ( ii ) collection of actions consumers entered into under received through an Original Credit XXXX use when in fact those funds were unfair acts or practices
Product: Vehicle loan or lease

Subject : Formal Request for Assistance in Obtaining a XXXX Tax Document Dear CFPB Team, I am reaching out to formally request your assistance in obtaining a XXXX tax document related to an account that was charged off by PRESTIGE FINANCIAL SVC. Despite my efforts to resolve this matter directly with the creditor, they have refused to provide the necessary tax documentation, leaving me unable to properly address my tax obligations. 

Below are the details regarding the account in question : Creditors Name : PRESTIGE FINANCIAL SVC Date of Charge-Off : XX/XX/year> Approximate Debt Amount : {$12000.00} Under IRS regulations XXXX creditors are typically required to issue a XXXX form for canceled or forgiven debts exceeding {$600.00}. The refusal of PRESTIGE FINANCIAL SVC to provide this document has created unnecessary complications for me, and I believe this situation warrants your intervention to ensure compliance with federal regulations. 

I respectfully request that the CFPB review this matter and assist in obtaining the necessary XXXX document from [ Creditors Name ]. Please let me know if additional information or documentation is required to process this request. 

Thank you for your time and assistance in resolving this issue. I look forward to your prompt response.
Product: Vehicle loan or lease

I am an XXXX American female. I purchased a Lexus vehicle from XXXX Lexus in XXXX Md in XX/XX/2019 through Toyota Motor Credit Corp. I recently received a refund check for some unknown reason. I contacted TMCC who explained that they randomly reviewed my interest rate and decided I was eligible for a lower interest rate. After the call with TMCC, I found out that they recently settled a large class action lawsuit in which they were sued by XXXX groups for being charged higher interest rates because they were XXXX XXXX groups. 
File No. XXXX XXXX TMCC is still in violation of Consumer laws by discriminating against me by charging me a higher interest because I am XXXX American.
Product: Debt collection

I have been receiving emails using a XXXX address from a XXXX XXXX claiming to be an attorney representing US Fast Cash XXXX threatening legal action up to and including prosecution if I do not pay an amount of {$950.00}. I have never had any dealings or even heard of this company. When I asked for the company phone number and address, XXXX XXXX failed to provide it.
Product: Consumer Loan

I am trying to establish credit to purchase a home. My credit report came back that I owed XXXX to Sandtander on a repossession. I lost my job and could not afford the vehicle so I asked them to come and pick the vehicle up. I did not receive any other info from the company outside of the vehicle being auctioned off. I have tried to contact Sandtander about my obligation for the last year with no success. When calling the XXXX # it ask for an account #. I did manage to get the account # and after speaking with a representative, she could only tell me that I purchased a vehicle and for any additional info I would have to Call the XXXX # who has no record of my name or vehicle information.
Product: Credit reporting or other personal consumer reports

I have contacted early warning services for months and still they have not deleted the fraud bank accounts that were open up in my name XXXX XXXX XXXX, XXXX XXXX and all the XXXX XXXX and XXXX XXXX  accounts all are fraud. I have sent police reports several times the banks did not do a fully investigation. I have included new evidence signatures in front of notary and a new police report.
Product: Debt collection

I pulled my credit report and see that you are reporting an alleged debt on my consumer report that I am requesting be VALIDATED, pursuant to the FDCPA validation of debt section, 15 USC 1692g. Since I am disputing this alleged debt pursuant to the Fair Debt Collection Practice Act, you are required to Cease and Desist all collection of this alleged debt which includes reporting to my
consumer report with XXXXXXXX XXXX XXXX XXXX. I am also specifically requesting the ENTIRE PURCHASE AGREEMENT, not just the Bill of Sale associated with this alleged obligation. Please also provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN THE WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE AND MISLEADING.
Product: Mortgage

On XX/XX/2019 XXXX XXXX transfer my loan to SN SERVING CORPORATION to collects payment but SN SERVING CORPORATION never filed the transfer of ownership in the mortgage records. On XX/XX/19 via Certified Mail a request for RESPA QUALIFIED WRITTEN REQUEST; COMPLAINT; DISPUTE OF DEBT; VALIDATION OF DEBT; AND TILA REQUEST.I received a letter from the Attorney At Law XXXX XXXX. XXXX  on XX/XX/19 said he was enables the servicer to identify the borrower and list information sought by the borrower.(see attach). I need the truth from SN SERVING CORPORATION ABOUT THE DEBT.I need the FBI and other Federal organization Investigate this type of fraudulent.
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX These entities have 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 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: Money transfer, virtual currency, or money service

Scam Description : I received a text message from what I thought was my Wells Fargo account saying that there was a login attempt to my bank account in XXXX, Arizona. Then, another text from the same number ( listed above ) that a Wells Fargo transaction for {$100.00} was now processing on my debit card from XXXX. I shop at XXXX regularly so I panicked. Then, I received a phone call from the SAME Wells Fargo number on the back of my debit card ( XXXX ). This is a legit Wells Fargo number for customer service, so I answered and believed I was speaking with a Wells Fargo representative. The man said his name was XXXX and that he was calling about suspicious activity with my Wells Fargo bank account. He knew my full name, somehow. He had the hold music and everything. Then, as we were securing my bank account, I received another text message from the same number that I received the previous text message saying that a Wells Fargo transaction for {$1000.00} was now processing from my Savings account from in a XXXX wire transaction. I panicked even more and the man was so calm and polite saying that we now have to dispute this XXXX transfer. Then he walked me through filing and opening a dispute for the XXXX transfer. Somehow, he manipulated me into adding a recipient onto my account ( XXXX ) named XXXX XXXX. He claimed that this was the XXXX fraud manager and that in order to file a dispute and have my money reimbursed to me by Wells Fargo, I had to follow his instructions carefully.Panicking to the point of an XXXX  XXXX, I ended up sending XXXX XXXX {$1000.00} from my Savings account by XXXX. He assured me that I was not sending anything, just opening a dispute and this is how to open XXXX disputes with Wells Fargo. He also kept assuring me that the number he was calling me from was a verified Wells Fargo number and I could see it on the back of my debit card. He told me that tomorrow, I would be reimbursed for the {$1000.00} taken ( from the previous fake text message XXXX came ). He tried to get me to send more money, but that is when realization set in and I realized this was a scam. I asked him for his full name and he would not give it to me. I hung up the phone and immediately called the actual Wells Fargo and filed a complaint with them.The XXXX account that scammed me info : XXXX XXXX Phone : XXXXXXXXConfirmation : XXXX I filed a complaint with Wells Fargo on XX/XX/2023 for the XXXX scam above. I received a document on XX/XX/XXXX saying the claim was denied. I have no idea if Wells Fargo even looked into who scammed me. They did not notify if they were filing a police report at all. They have the information of the scammer ( XXXX phone number, scammer phone number ). They could easily ask for the information from the bank that the XXXX money was sent to and trace the transfer back to the scammer bank account. This scenario is covered under the The Electronic Fund Transfer Act ( EFTA ), regulation E.
Product: Checking or savings account

My issue is with Wells Fargo Bank Checking Account. I had funds in my account on XX/XX/23 and I was charged overdraft on XX/XX/23. I called the bank XX/XX/23 and they gave me a partial refund of {$17.00}? Why give a partial refund? I also have a deposit pending with Wells Fargo on XX/XX/23 which should have posted XX/XX/23. It's now XX/XX/23 and I've been charged again for overdraft. Can Wells Fargo hold a deposit while they charge overdraft fees? Technically they are the ones who have my money so I can't do anything until they decide to post my deposit while charging me?
Product: Debt collection

I moved out of the XXXX XXXX in XXXX, Texas in 2022. I sent written notice via email that I was moving out within their requested period of time. 

I did not receive further communication about any debt from them or the company they sent to collections until I saw my credit score affected.

I disputed it, was contacted by the property manager at the time of the apartment complex and worked out that the debt was wrong and she agreed. It has still not been removed from my credit score and I still don't have any itemized list of issues or why I owe anything after almost 2 years.
Product: Credit card

Thought card was on autopayment, it was not. I attempted to submit payments online through Capital One 's website and thought everything was good. I 've paid on time with Capital One ever since I opened my account. They sure were quick to report me as 30 days late on all credit bureaus. I contacted them and they told me they can not do anything. I contacted all XXXX credit bureaus and they informed me to contact Capital One. I 'm stuck in this endless loop. I understand that they do n't have to make any adjustments. But, I believe their website had issues and I do n't understand why they are so adamant about not helping me.
Product: Student loan

I am in the process of a payment schedule arranged by the loan servicer in order to prevent my account from being any further delinquent albeit still reported late while making agreed to payments. When the payment arrangements were made, I was informed by Navient that I had exhausted the ability to be in the " interest rate reduction program '' which has been a great deal of help to me as it makes the payments under {$300.00} possible with earning a salary under {$30000.00} per year, 10 years after graduation from a for-profit institution in which predatory lending practices were undoubtedly deployed at the time of taking out the loan by both the school and the lender, Sallie Mae. 

Based on the fact of ballooned salary figures and promise of continued career services which unfortunately for myself and many other former alumni of XXXX XXXX XXXX XXXX have found the career services department to offer minimal help if residing outside of XXXX XXXX XXXX and a few locations outside of the metropolitan area. My experience with the department led me to be told I lived in " a black hole '' and they could not offer me any assistance. 

As for Navient, I contacted the company on XX/XX/XXXX as the final payment per the payment arrangements mentioned prior are approaching on XX/XX/XXXX. In an effort to be proactive and after being told to call back in XXXX as " we'll figure something out, '' I did as instructed. I was told that the company only offers the interest rate reduction program twice every 5 years which is a lie because I have continually been on the program for all of the payments made since XXXX because I can not and will not be able to afford payments of {$670.00} per month for the next 30 years or the foreseeable future. I was told that because I essentially failed out of the program 1 of 2 times, I am not eligible for the program again until XXXX. 

The customer service representative then offered me no further solutions such as, an income driven repayment moving forward. I have been told that my regularly scheduled payments of {$670.00} will be due starting in XX/XX/XXXX. I do not have the financial ability to make those payments as stated in this complaint and to the customer service representative. This fact is unfortunate that Navient does not want to find a solution that works and the reality that is I have no other options but to prepare for defaulting on a {$50000.00} loan with {$20000.00} in interest after 10 years of taking out the loan. The regularly scheduled payments of {$670.00} make it impossible for me to live and keep my housing bills paid along with other day to day bills. Navient and Sallie Mae have provided me with minimal solutions over the past ten years and usually unwilling to understand that difficulties arise like divorce, relocation, family illnesses and death which cause financial strain or the fact that I have a useless degree. Unfortunately, student loans and the XXXX XXXX student loan crisis is real and dragging down many people especially with lenders unwilling to offer solutions.