23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was sued by XXXX XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXX, XXXX for a credit card debt incurred and signed for in XXXX, NC which was my residence between XXXX - XXXX. The lawsuit happened in XXXX and was served to an address in XXXX, NY that I or no relative of mine lived at anymore and I lost the judgement I was unaware existed until my XXXX XXXX ( XXXX XXXX  at the time ) account was seized in Florida where I then lived behind the lost judgment. I tried to resolve with the firm at the time and they were demanding more money and unwilling to settle with the funds they had already taken through the New York judgement. I walked away from the account and moved on. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was a class action lawsuit that happened between XXXX against them for the sewer service situation that I should of been a part of and was not. They settled for XXXX XXXX and that information was likely sent to that address in NY also. The lost Judgement against me is still active in XXXX, NY and I need it vacated since it clearly says on the judgment the server taped the subpoena to the door of an address I hadn't lived at for 7 or 8 years and was not where the debt even occurred that I was being served for. The lawyer was aware at the time NC was a state I could not be sued in. 

In XXXX the case was transferred to XXXX XXXX Fl where XXXX XXXX XXXX XXXX took me to court and I was granted an exemption and told to resolve the case in NY so no other law firm would try to collect again. Since then the debt has moved to XXXX XXXX XXXX. I was told at that time about the judgments being vacated but now I am finding out it not and is still active in NY and Florida and simply had an exemption on it now.
Product: Student loan

I have been a XXXX in a large XXXX XXXX district since XX/XX/XXXX  and am unable to receive a clear history of my student loans in regards to the XXXX Loan Forgiveness Program. My loans were consolidated in XX/XX/XXXX ; however, my servicer ( ACS ) is unable to provide me with the type of loans that were consolidated and the date of consolidation, which can impact my eligibility for the XXXX Loan Forgiveness Program. In addition, my servicer ( ACS ) said my loan is being transferred to another lender/servicer ; however, they were unable to provide a date or time frame that this would occur. My servicer ( ACS ) referred me to the U.S. Department of Education, who also provided limited/false information. I was provided with a servicer who, when I contacted, had no records of my loans.
By not being able to access my loan history, I have not been able to receive confirmation of my eligibility for the XXXX Loan Forgiveness Program. My servicer 's practices ( ACS ' ) are unfair and deceptive as I am not able to receive consistent information regarding my loans. My loan is also being frequently transferred to different lenders and servicers making this process more complicated.
I have contacted my servicer ( ACS ) on multiple occasions, with the latest contact being XX/XX/XXXX. The servicer ( ACS ) stated they could request a copy of my Promissory Note from the loan guarantor ; however, this will take 30 days to provide and I am not sure how this will help me to understand my eligibility for the XXXX Loan Forgiveness Program. Please see my request to the servicer ( ACS ) below.
Thank you!
Product: Checking or savings account

I have my primary checking account with Suntrust ( now Truist ) set up as the payment method for multiple bills. When the banks merged, customers were assured that routing numbers would not change, but they have. So far, direct deposits from my and my husband 's employers have been deposited without issue and most automatic drafts have been successful. However, on XXXX XXXX, I attempted to make a manual payment on our XXXX 's account using the same checking account and a few days later, Truist rejected the payment, citing " invalid account. '' I did not realize this until XXXX 's started contacting me regarding debt collection over a late payment. I am not able to reach anyone at Truist on the phone to inquire about why my account is rejected by this XXXX institution because the phone wait times are still hours long. Like millions of other customers, I have experienced nothing but frustration since the merger was complete and plan to move my accounts elsewhere, but in the meantime, I need my current bank account to work and customer service to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX reported and inquiry on my personal credit report. I am very concerned regarding the serious possibility that Experian XXXX XXXX has not followed the permissible purpose provisions of the federal FCRA. A credit inquiry from Experian XXXX XXXX was placed within my credit inquiry file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon CFPB to follow the law : Either provide documentation that the law was followed by contacting Experian XXXX XXXX at once, or remove these offending inquiries as soon as possible.
Product: Mortgage

I am currently in the modification process at this time. I have scheduled sale date for  XX/XX/XXXX -2017. Which a violation of CAILIFORNIA HOMEOWNER BILL OF RIGHTS. Ocwen is dual tracking my loan while in the modification process. A blatant violation of the law. Ocwen would then in a letter sent to me that the sale date is tenitive. I do n't see anything on the foreclosure notice that refers to it as being tenitive. By the way the foreclosure notice is void. The right to foreclose on my home is void. On  XX/XX/XXXX  2017 I received a completed BLOOMBERG AUDIT ON MY PROPERTY by a certified autitor. When I reviewed the 70 page audit with the certified auditor.I was very disturb and angry to what was revealed in BLOOOMBERG AUDIT. The audit showed that   XXXX   XXXX   is not the owner of my note.   XXXX   XXXX    SECURITIES IS THE OWNER OF MY NOTE. I have requested from Ocwen at least four different times who the owner of my notes. Each time in the letters Ocwen sent me which I have in my possession that   XXXX   XXXX   owned my note. I was lied to in writing. BIG LIE!   XXXX   XXXX   is the trustee not the owner. Also in the audit discovered to my earlier suspicions that FRAUD and ROBO SIGNING were found to have taken place. THE CHAIN OF TITLE have been broken. The DEED OF TRUST and the NOTE have been seperated. I have sent 70 pages of the certified BLOOMBERG AUDIT to CONSUMER FINANCIAL PROTECTION BUREAU for review. Stop trying to foreclose on my home illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I learned that my Mortgage note with XXXX XXXX XXXX  had been sold to XXXX XXXX  XXXX. I was coming out of forbearance and literally the day I called XXXX to make my first double payment to start getting caught up I found out I couldn't because the loan now belonged to XXXX. So after making a few double payments, ( I was 3 months to pay on forbearance ) I has been specifically told by XXXX my loan was set aside to not be reported. I was told this two times in 2 calls (! ). So, come to XXXX, my payment pattern was XX/XX/XXXX, XXXX payments XXXX, XX/XX/XXXX, 2 payments XXXX, XX/XX/XXXX, 1 payment XXXX, XX/XX/XXXX, 2 payments XXXX ( account now current ) And then I found out that even though I had paid up to current, always staying in contact with them as I went, I found out that they had reported the account 30 days late, destroying my already struggling credit score ( although my payment history is almost perfect across many accounts, I'm carrying too much CC debt ). So I called XXXX to find out what happened, they apologized confirming that credit reporting for my account had been suspended and they'd fix it. This company specifically told me 2 times credit reporting was suspended for my account, and then confirmed it, but still has not addressed it and rejected the dispute through the reporting agencies.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer servick and 10 fair ora ides, dOch violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my accourt vulnerable and unprotected.

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

I don't want to have these accounts in my report, they are not mine, they are affecting me a lot. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX terrace XXXX fl XXXX XX/XX/XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION XXXX : YOU HAVE VIOLATED THE XXXX XXXX FAIR CREDIT REPORTING ACT XXXX XXXX & XXXX DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney XXXX XXXX in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, XXXX XXXX. XXXX and XXXX XXXX XXXX ( a ) ( XXXX ) you have violated my consumer rights as a federally protected consumer. 
XXXX not a possible way a debt can be validated under XXXX XXXX XXXX XXXX ( XXXX ) ( b ). YOU ARE BREAKING THE XXXX XXXX LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA XXXX. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. XXXX telling you that Im ready to initiate my own investigation by filing complaints with the XXXX XXXX XXXX in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : XXXX, XXXX CFPB XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I opened a Chase Total Checking account online, which was automatically connected to my online account associated with my three Chase credit cards, and over the course of the next week began the process of linking it to my external deposit accounts for incoming and outgoing transfers. On XX/XX/2020 I attempted to set up several external accounts for incoming and outgoing transfers to and from my Chase checking account using a process that required me to enter my login information with the external financial institutions and then verify my identity by entering a security code sent to my email address or phone numbers registered with the external financial institutions. After repeatedly entering the login information and security codes correctly with one financial institution after another and being presented with repeated error codes by the Chase website, my session was abruptly terminated and I received an error message indicating that my account had been locked to protect it against unusual activity when I tried to log back in, which I was later to discover meant that my online account had been permanently disabled. Despite promptly cancelling my Total Checking account over the security issue, Chase has steadfastly refused to provide me with a means to either re-enable my online account or offer a secure means for me to restore online access to my three Chase credit card accounts by de-registering them from my disabled online account so that I can create a new username to access my credit cards online, instead insisting that I create a new username over the phone -- despite the fact that I have no landline phone service -- or visit a local Branch ( there are none within 100 miles ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these inquiries on XX/XX/XXXX due to identity theft/fraud that Im currently dealing with but the dispute results came back saying they will not remove it. I have made a police report and have an ongoing investigation and we actually know whos doing this to me because she put her cell phone number down for a capital one inquiry. 


My case # is XXXX with the XXXX Police Department XXXX XXXX I would like these inquires be removed from my credit report because it is identity theft/fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone : XXXX Requested on XX/XX/XXXX and XX/XX/XXXX CAPITAL ONE BANK USA NA XXXX CAPITAL ONE XXXX XXXX VA XXXX Requested on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Requested On XX/XX/XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX, VA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Requested on XX/XX/XXXX
Product: Checking or savings account

Was charged 2 {$30.00} fees for verifying account ownership to XXXX  an external investment company on XX/XX/XXXX XXXX
Product: Mortgage

Specialized Loan Servicing ( SLS ) withdrew an extra XXXX $ from my bank account over XXXX and XXXX. see below. I asked them multiple times for this extra XXXX $ withdrawn either returned to me immediately or applied against my payment due on XX/XX/2022 of XXXX. They have refused multiple times to do so. I now got a generic call from them and no resolution still. 

Account Number Transaction Date Transaction Amount Transaction Type Transaction Description XXXX Friday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage XXXX XXXX XXXX XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage XXXX XXXX XXXX  XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage XXXX XXXX XXXX XXXX Tuesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX, I attempted to purchase a personalized gift card from American Express using my American Express credit card. However, when I attempted to complete the order, I got a server error message and never received formal confirmation that the order was successful. I called Amex several times that day and spoke with XXXX people for over an hour! I wanted to cancel the gift card because I was so disgusted that so few know what they are doing in customer service and each time the gift card group was attempted to be contacted, the line would disconnect or the wait time was over 10 minutes and I would get disconnected again. But American Express would not allow me to cancel because they stated the charge was pending. That I had to wait 48 hours for the transaction to go to pending to recent activity. I checked my activity online every day since and the pending amount of {$77.00} was no longer there when I checked on XXXX/XXXX/16 but it was not on my recent activity. So I was not sure what was going on. At XXXX XXXX EST I received an email from American Express stating that the gift card was shipped. But when I checked my account activity several times prior to XXXX EST and afterwards the {$77.00} charge did not appear on my activity nor pending. Proof attached. I was again angry because American Express has a terrible customer service group that is mostly outsourced. I spoke with someone at XXXX EST and I asked why I was not able to see the charge before having the ability to cancel the order? 
So they shipped the card to the recipient and when I asked about cancelling the order I was told they would do it but then the recipient would receive a card with no funds. It is absolutely ridiculous. How could I cancel an order and have a gift card sent to someone without any funds? What is illogical to me is that if I order something online from a large department store, I have the ability to cancel the order within 30 minutes of the transaction. 
But I ordered something from American Express and they would not allow me to cancel the transaction before being approved. So in my view, what Amex just did is not within normal standards and I was never given the proper opportunity to cancel the gift card before it officially appeared on my activity. They basically cornered me and I felt forced to leave the charge as is because I could not in good conscience have them ship a card to someone without any funds. This is n't proper procedure in my view and I find it a violation of ethical and regulatory standards.
Product: Debt collection

This debt is not owned by me and it keeps coming up on my credit reports.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, consumer and natural person who is a victim of identity theft. Transunion, XXXX, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which Transunion, XXXX, and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID, and statement.
Product: Credit card or prepaid card

I attempted using my Military Star Card issued by the Exchange Credit Program, based out of XXXX, TX, at a Navy Exchange gas station which accepts the credit card. However, I could not complete the transaction after the card reader denied my Military Star card which offers a XXXX cents per gallon discount for using the card when purchasing gasoline. Not only did this affect me, but the other customers using their Star Cards for payment at the gas station also had their transactions denied and the customer representatives at the gas station told us we needed another form of payment due to the problem. I contacted the Exchange Credit Program customer service after the incident and they verified my acccount still remained in good credit standing. I want this issue investigated as to why this incident occurred. The Navy Exchange Service Command should work with the Exchange Credit Program in avoiding a future recurrence of this problem. As often as I refuel my vehicle along with the current high cost of gasoline, the XXXX cents per gallon discount offered by the Military Star card offers tremendous savings in the long term. However, continuously encountering problems with using the card would essentially negate the benefits of the cost savings offered.
Product: Debt or credit management

I have been a client of Freedom Debt Relief since 2021 and have invested almost {$40000.00} in reducing my credit card debt to find only 2 cars totaling {$12000.00} have been paid off by the company and remain on my credit report. 

I have been requesting an account statement for more than 6 months so that I can have visibility of where my funds went but I am continuously lied to and ignored.
Product: Credit reporting or other personal consumer reports

hard inquiries got added to my credit report, which l am unaware of. I am filling this report to remove them from my credit report. The companies are : 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 )