23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX at approximately XXXX XXXX  I attempted to open a XXXX  year CD with NexBank. After entering all the information required I got rejected and sent to a rejection page and receiv

ed and email stating that The bank account and routing number you provided may have been incorrect, or you may not have had enough money in your funding account to cover the transfer to our bank. I am highly confident that I entered all the information correct as I had my checking account open in another tab and I was copying and pasting the account information to ensure there were no errors. I also certainly had the money to fund the account. If it truly was incorrect account information entered the bank should have given me an opportunity to re-enter the information.
Further the bank provided different numbers to enquire about the rejection XXXX number was on the webpage rejection and the XXXX  in the email rejection. I called both numbers and got no answer.

Concerned that this could be scam and my account and personal information could be compromised I immediately moved my funds. I also was compelled to open the CD with my current bank at an inferior APY ( 5 % vs 5.5 % offered by NexBank ) to ensure the safety of my money and to protect against a rate change.

I emailed the bank at the email provided in the rejection email on XX/XX/2024 at XXXX XXXX and have neither received an acknowledgment of receipt or a response.
Product: Mortgage

Heloc was paid off by closing attorney on XX/XX/XXXX last year. 
Wells Fargo still reports open balance to XXXX
Product: Credit reporting or other personal consumer reports

There are several inquiries on my report that I did not authorize and I would like to have them removed. 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: Debt collection

I was a regional XXXX for a company and signed up for cell phone service from XXXX cell phones. I made agreement for the business not myself personally. The rate plan and rebates given were all business incentives for the XXXX lines that I contracted for the company. During the time I was asked for personal information and told that the account was solely a business account and I was not on it. Bills were sent and paid by the corporation for 1 year or so. Due to poor service and major increase in prices after 1 year company dropped XXXX and I personally returned the phones to same store I set up account at. 
After nearly a year XXXX began harassing me for the amount owed which they included phones in the amount even though I returned them. I was no longer with the same company and I explained that and they left me alone. 
Recently they began harassing me again and reporting it to the credit bureaus as me being delinquent! When I contacted them and asked for the original contract and copies of actual bills that would show that it was a business account and not mine they never produced anything. They argued with me over the phone and told me they had my personal information and they would damage my credit by reporting it as collections. 
To summarize : The account was for a business that I worked at. 

The service was terminated by company. 

The phone were returned by me personally. The amount they want is wrong. 

The company and collection agency never showed contract or bills because they know the bill and payments came from company not me. 

They have put it on my personal credit to pressure me to pay something that is not mine. 

They are causing me to lose opportunities for career advancement and increasing the cost of obtaining loans for me personally. 

I am looking for legal assistance as well as help from the CFPB to file for harassment and punitive damages because they are abusing the credit reporting system to extort money from me that I do not owe. 

Now that they have merged with T-mobile I have discontinued doing business with XXXX also.
Product: Credit card

American Express violated the Fair Credit Billing Act. This law grants the right to dispute a charge with a card issuer and to withhold payment on a disputed charge until an investigation is complete. On XX/XX/2024, American Express reopened my fraud claim after I obtained new evidence independently. However, they continued to charge me interest on the disputed amounts during the two-month investigation. During phone calls with the bank, they requested that I continue making payments for the fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came across one account two inquiries and two addresses that i do not recognize and was use without my knowledge Account : 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

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability obtain credit.
Product: Student loan

My prior loan company XXXX withdrew my XXXX payment on XX/XX/XXXX for XXXX payment. A new loan company Heartland ECSI is now charging me for the XXXX payment. They state that their billing period starts on the XXXX of each month. I have paid XXXX in FULL through the prior loan company. Therefore, my next payment should have been due in XXXX. They say they are charging me a prorated amount for XXXX. Why? XXXX was paid in full to XXXX. They also informed me that they are charging ALL of XXXX student loans the same way. Thats ALOT of loan overpayments! How can I owe them for XXXX when Ive paid XXXX to XXXX? Pro rated or not, XXXX was fully paid. 

I have paid XXXX through auto bank withdrawal for a few years. Ive NEVER been late and I pay a few days early. Now my credit will be affected due to over billing from XXXX. Student loans are expensive enough without having to make a payment TWICE. Thanks for any guidance you can offer. This is just wrong on so many levels.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Student loan

My student loans originated with XXXX  in XXXX and XXXX. 

I began working for the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX which was the beginning of my public service that I have maintained. 

I qualified for the loan forgiveness and my XXXX accounts were transferred to XXXX in XXXX of XXXX. 

When the student loan forgiveness was blocked I re-engaged on my loan repayment and applied for an Income Driven Repayment Plan and received confirmation from adivantage that my monthly payment amount was {$0.00} beginning XX/XX/XXXX. 

My XXXX loans were transferred to Mohela. I created my account with Mohela on their website after receiving emails in XX/XX/XXXX that I missed a payment. 

When I logged into the account I saw they were attempting to collect payments. I called customer service and asked how they are doing so when I have confirmation of my repayment being {$0.00} a month. I was informed by a Mohela agent that I didn't provide income information that they requested, but I had no record of them making requests. 

I provided the date and information on my REPAYE plan, and uploaded the document to Mohela 's site on XX/XX/XXXX. 

Mohela then changed their online platform to another version. 

No one at Mohela has reviewed the confirmation or reached out. I contacted Mohela two additional times today, XX/XX/XXXX. I was told my confirmation letter was located, and that I should not be reporting in a deliquency status. I was told it required escalation and another representative to correct. They would not schedule a call back time for me, but assured me I could call back to follow. 

I called back later on and the representative had trouble understanding the follow up I was seeking, could not see my confirmation letter, and transferred me to a representative that could. That representative then said she was transferring me to a supervisor who could complete my request. The call was then transferred to an automatic call back request line, and no call back has been received yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 card or prepaid card

SF/XXXX  XXXX needs to update my credit report for XX/XX/2021. It shows on my credit reports Ive utilized 129 %. As of XX/XX/2021, my secured card shows a 3 % card usage. Im in the process of buying a house.Therefore, I need all 3 credit reports and credit scores to report accurately and on time each month. SF/XXXX XXXX  dont ever do this!
Product: Debt collection

Today XX/XX/XXXX I received a call today from First Choice Recovery, a debt collections agncy. Upon questioning the cs agent he got really rude, interrupting me and began threatening me saying he's gon na send officers out wth a letter. He said he was calling about a debt he said I got in XXXX from XXXX. Once I spoke to XXXX XXXX they had no acct for me being delinquent or going into collections, they told me they keep their records once they go into collections. I then called XXXX XXXX at First Choice Recovery back giving him the info XXXX gave to me and told him to send me the documents to validate his call and the said debt. He then told me he would send me the documents at the close of this business day, to which I have not received. I do not have this old debt nor do I claim this debt. I want to file a complaint against this debt collection company. I have worked at a debt collection company and do know that it is against the law to threaten anyone concerning a debt or anything else. Please forward this on to whomever will respond to this complaint. I am available for any information you need. I spoke to XXXX XXXX XXXX him my debit card nfo fearing their threats but after speaking with him I checked this info on the computer and made calls to the company XXXX XXXX and to First Choice. Once learning the truth I then called my bank and told them not to honor that draft due to fraud. I did not make this debt in XXXX, furthermore, the XXXX XXXX told me they did not service Georgia. We have been told many times on the news not to succumb to such tricks and yet I fell for it but rectified it. 

the said debt was back in XXXX from XXXX of which there is no record of me receiving the said funds nor any records of a collections debt from them in their system. I spoke with XXXX of XXXX XXXX XXXX XXXX, XXXX and can't recall the young lady that assisted me, both told me they hve NO RECRD of any debt in my name in their system or in those debts turned over to collections.
Product: Credit reporting

Regarding : XXXX XXXX Consumer Line of Credit ( Acct. No. XXXX ) Transunion is incorrectly and inconsistently reporting the XXXX XXXX payment for the above-mentioned account. 
The payment for XXXX XXXX is reported as follows : Paid and Late XXXX 30 days and Current and Opened in XXXX XXXX and Opened in XXXX XXXX. 
An investigation was initiated in XXXX XXXX, by me, to correct this information ; however, Transunion did not update and correct the report. 
The account should be reported as paid in XXXX XXXX, opened in XXXX XXXX and current. 
I have requested that Transunion delete the XXXX XXXX payment information, altogether, in a written requested dated today, XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Barclays card has continuously been negligent in their investigations in regards to an account that need to be DELETED from all my credit reports. Said account is reporting erroneously and even the address they have associated with the account is not mine.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the Electronic Fund Transfer Act ( EFTA ) in Regulation E. These actions have caused significant inconvenience in financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries being reported on my Equifax consumer credit report and file. Pursuant to 15usc 1602p this is unauthorized use, because no person was given the authority to use my credit card or furnish these inquiries on my consumer credit report and file, nor did I benefit from these inquiries.
Product: Mortgage

We are sending this information to you in reference to all of the illegal, and criminal activities of the Bank of New York Mellon F/K/A The Bank of New York XXXX. 

You should know that this has been a very long and drawn out case over the years since 2007, because of multiple law firms hired by the Bank of New York consistently practicing criminal behavior maneuvers on us as well as the many courts involved for this case. Therefore, we will try to keep this complaint as short as we possibly can without injury to ourselves. 

To begin we went to the closing table with {$130000.00} of our hard earned money the day of closing not expecting to be defrauded by XXXX XXXX and their closing attorney but we were and here is how. 

1 ). XXXX XXXX XXXX XXXX, Texas was not registered with the XXXX XXXX to do business in the state of Virginia as a loan broker or to do business in any capacity with the citizens of Virginia! This is called " embezzlement '' or " theft '', either way, it is a Federal offense, criminal and not civil. 

2 ). XXXX XXXX then secured a loan for us for the remanding {$490000.00} which was attached to a Deed of Trust and Note that were Illegal and Fraudulent because these documents were filled with XXXX ( XXXX ). Same Illegal XXXX scam that DOJ, XXXX XXXX, XXXX XXXX, and The Consumer Financial Protection Bureau has been compensated for by the XXXX and has not trickled down to American Citizens such as myself to date. Therefore, we were fraud victims from the beginning at the closing table according to the law. 
Look up the U.S. XXXX XXXX Appeals Court recently ruled in a case very similar to our situation, namely in the case of " XXXX XXXX XXXX XXXX '' ; the Appeals Court opinioned : " ... XXXX cognizable injury occurred when she purchased the loan not upon payment of XXXX-affected interest. '' 3 ). We unknowingly purchased an illegal XXXX SIX MONTH ADJUSTABLE RATE LOAN, by XXXX XXXX XXXX XXXX XXXX, herein after XXXX ' ( LOAN # : XXXX ). XXXX ( now a defunct and expired corporation ) was a XXXX License holder - granted by the XXXX ( XXXX ), the creator and XXXX XXXX of XXXX. Due to the illegal 'Rigging/Manipulation ' of XXXX XXXX ( as demonstrated in the XXXX XXXX XXXX CONVICTION CASES ), all U.S./American Consumers were damaged when they signed the Notes/Deeds of Trust for these illegal financial products. 
We made several notices to XXXX XXXX, their XXXX XXXX partners, Substitute Trustees, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, et al, that the subject ILLEGAL XXXX Loan was " Void XXXX '', and therefore immediate 'Rescission ' of said loan was required. These demands were all willfully and illegally ignored by all named parties, with the assistance of the " XXXX XXXX-in-house-conspirators, et al '', who all had full knowledge of the mandates made by the U.S. Supreme Court in the " XXXX XXXX XXXX XXXX XXXX, XXXX '' decision.
Product: Mortgage

I was told if I make 3 month of a set payment I would be qualified for a modification loan. I had to find this out by just check the site NO ONE every call me. I got approved and the new payment stat  XXXX   XXXX  but the catch is they never told me anything till I found it on the email side of the loan they went from 20 years to 40 years if I new that 3 months ago I would not have agreed to that I can get a 15 year loan with  tad higher   interes ts still less that what they want. I FEEL this is a preditary loan I als have has 3 people taking pics from the road and I feel this violated my privacy what if my wife was changing or my minor child changing and there cameras got pic that vilol ates my wife privacy also.
Product: Credit reporting or other personal consumer reports

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  JP Morgan Chase XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX JP Morgan Chase, Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802.

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime.

I am also a XXXX  resident. In XXXX XXXX XXXX residents have also rights to Opt Out on all things including non affiliates mailing solicitations.

I should not receive any other piece of mail from any non affiliates or third parties.

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX
Product: Mortgage

Hi so to make a long story short back in XXXX my mortgage company decided to pay my taxes annually. This happened to many companies all of a sudden which made it seem as if my balance in my escrow would be - almost {$4000.00}. The only option I gave me was to send a payment in full or take the mortgage payment of almost {$300.00} more. They did not give an option they did this because the 2 percent savings by paying it annually. They did it again in XXXX and now again XXXX and 4 next year. I got nervous that something would happen back in XXXX and they gave me the option of paying it over 36 months I believe. My town does not require XXXX  they require quarterly. That being said they would only money and my mortgage payment would be much lower. I started fighting again with them back in XXXX about this and I keep getting the runaround they're talking about my mortgage insurance and about my fire taxes and they keep stating they pay my annual taxes annually for my town I have told them over and over again it can be paid quarterly and I do not want them to pay it anyway. I feel as if this getting pushed out because the longer it waits it'll be too late for them to do a quarterly for next year. My mortgage was XXXX in XXXX took forbearance which in itself is very difficult because I did it on my own and every time I tried to submit something another document or over the 30 days so my credit score went in the tubes. After the forbearance I believe it went up to about XXXX a month right now it's at XXXX and they're saying next month starts XXXX. I have spoken with the tax assessor 's Department four times in the last month and still nothing gas been done. Mortgage company us freedom mortgage. Ty I was told us to be rectified by the beginning of. XXXX and then again I was told by mid to end XXXX and it is still not done and I have not paid XXXX though I have the money because it should be much much. I just spoke to a member services person and they told me to not pay it and to call on Monday to talk to the assessor office I have very little hopes that I'll be able to get through and not be on hold for 3 hours or transferred to different departments and then disconnected. Now because of all of this my credit is too low to refinance somewhere else.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX # XXXX IC System, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/year> I hearby request Validation of debt collection practice act ( FDCPA ). 
Statements alone are not sufficient evidence of debt. As establish in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, a mere statement does not satisfy the burden of proof. therefore I request you provide : 1. The original contract or agreement. 2. A detailed accounting of the debt, including all charges and payment made. 3. verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to, phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account with IC SYSTEM captit if you fail to comply with this request. I will have option but to pursue legal action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is on my credit report this account is not mine. This account was open by someone who stole my identity. I never gave them authority to open any accounts. I called them it goes to voice mail. No live person. I wrote to them asking where is my sign name or photo identification to prove anything. I dont hear back. This is a scam fake. This account came off XXXX XXXX and XXXX. I am fighting with Equifax. Having a hard time. This XXXX XXXX was identity theft