23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Banking employee agreed to aplly a fee reversal of {$99.00} and he didnt make a effort to finalize that credit and union bank has charge XXXX XXXX overdraft fees with no covered sercvice and banker said the computer wouldnt allow that fee credit of my XXXX dollars and hes was very treatning and scaring me and forcing closer on my account and takinng my banking account prevalige away and iam XXXX and on fed govert XXXX and ssplimental security state payment s and iam very shoke up after my visit to the XXXX branch my name is XXXX XXXX XX/XX/XXXX co joimt truttee payee account co/XXXX XXXX XX/XX/XXXX act # XXXX time with union bank since XX/XX/XXXX with cheking account and direct doposit co overdraft coverage and line of credit or fare treatmejt i was treated discrimated on my vitit i dont remember the guy banker employee name and i lost out on the XXXX. XXXX dolars wnen it was aproved by banking guy emplyee for fund credid XXXX and i still l need that XXXX please i was trated very porly i am a XXXX man i would like that monyey thqt the banker couldnt aplly plese call me XXXX XXXX XXXX and i hav e subm8ted a formal online telephone complaint on union bank customer support servises about last week with XXXX in the retail sales dept with union bank on XXXX complaint confirmation # is XXXX please fix this issue before i enforse my XXXX rights with XXXX dept fair banking with XXXX client XXXX attorny general .gov
Product: Mortgage

Loan Servicer states the following on XX/XX/2021 communication to Borrower : " Unfortunately, the account is ineligible for one of more resolution options or it is ineligible for the option you selected on the RMA. '' Borrower Complaint : No details provided of why account is not eligible for assistance. 
No details given of which resolution options Borrower is eligible for. 
Law requires that loan servicer review loss mitigation for all options available to Borrower.
Product: Debt collection

I received a notice from this company stating that I owed them money ; I have never done business with them. I sent them a letter requesting debt validation and verification on XX/XX/2020 via certified mail. As of today, XX/XX/2020, I have not received anything from this company validating this debt. The letter that I sent them was received. I have confirmation that they received the letter. Sequium Asset Solutions failed to comply and did not send me back debt validation, which does not show me any services rendered or what I am supposedly being billed for. Instead of sending me debt validation, they reported this negative item on my credit reports. I ask this company to only communicate with me via mail in which I have that right to do so. They have failed to communicate with my regarding this alleged debt. They are violating several laws and my consumer rights. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. Therefore, this should not be reporting on my credit reports until this matter is validated by providing valid and proper debt validation. I see this is how they handle others as well and this is clearly them violating the laws that are set to govern the collection process.
Product: Bank account or service

On Thursday, XXXX XXXX I set up and was approved for a personal checking account with City National Bank. I was given an account number and routing number and was told by my account representative that I could begin immediately using the account and make appropriate direct deposit arrangements with companies or entities paying me to send money to my new account with City National Bank. On XXXX XXXX and XXXX XXXX I arranged with and did the appropriate paperwork with many companies and entities to being immediately sending money to my new account with CNB. My account rep at CNB also ordered and sent via XXXX overnight my Platinum Check Card and temporary pin number to me which I did receive on Monday, XXXX XXXX. Based on the account being opened on XXXX XXXX, I closed an account with a existing financial institution. On Monday, XXXX XXXX after informing over XXXX companies of my new account and new direct deposit instructions I was contacted by a very rude CNB representative stating my previously approved account was now being closed due to alleged negative information they received from ChexSystems. They were very uncooperative and insensitive to the fact that 4 days prior they approved the account and I had already made many arrangements for direct deposits to go to my new account. Emails to executives were with met with rudeness, disrespect and lies. The account was never reopened. I also was informed that if in fact XXXX had a negative report on me, CNB would have known immediately on XXXX XXXX when attempting to set up my account. Not 4 days later. This bank has caused a lot of unnecessary stress, wasted time and severely disrupted my life as now payments I was expecting will be delayed due to companies already changing bank info for direct deposits.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain inquiries on my credit report that are older than one year, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As specified in the FCRA, inquiries for any purpose other than employment purposes should only remain on a credit report for the one-year period preceding the date of this request. 
Since these inquiries are not related to employment and are older than one year, I respectfully request their removal from my credit report. Please update my credit file accordingly and provide written confirmation of the changes made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent activity from XXXX XXXX XXXX and there buissness partner for auto loans Ally Financial bank
Product: Credit reporting or other personal consumer reports

I have had multiple items on my experian credit report that was incorrect, i had called and talked to experian over the phone multiple times to try and get these issues resolved and experian refused to further investigate/ didnt even bother investigating at all and said all information on their reports are accurate and no further investing was necessary. this has caused a huge impact on my credit report and has even risked me being evicted.
Product: Debt collection

I called the Online servicing collection agency and paid my debt, in the amount of {$500.00} confirmation # XXXX, The company has yet to update my credit report. Furthermore when I disputed the trade-line with the credit bureaus they reported the debt as legitame even though it has actually been paid in full.
Product: Checking or savings account

The company I am having problems with is Paysafe and either their sister company, or Paysafe again but under a different company name. The salesman lured me into a contract with much lower rates then what was actually on the contract. I have never been sent a copy of the contract myself either. The credit card machine they sent me was extremely slow, taking about XXXX minutes per transaction to connect to their systems and the customer 's bank. I was barely using it because of this, as my customers, and myself were getting impatient with the machine. When I tried to reach out to them about getting a better machine, or resolving this issue, they refused to cooperate, and never returned my phone calls. I then just stopped using the machine entirely, and switched to alternative payment methods. Soon after, I started getting billed for not being " PCI compliant ''. I then went and completed the PCI compliance maybe 3 months after I've been billed about it, but they still continue to charge me for not being PCI compliant to this day even though it is done. They then started to charge me around {$200.00} for " inactive fees ''. I then sought to reach out to them again, and basically had to trick them to finally get someone on the phone to speak to. I spoke with XXXX a customer representative for the company and cancelled my contract with the company. I have attached below evidence of our correspondence and proof of the contract cancellation. They continued to charge my bank account after the contract has ended, and I found out that they were double charging my account with a XXXX merchant bank under a different name. I called my bank XXXX months ago, and blocked their withdrawals from my bank account. The total amount of money they have withdrawn from my bank account totals to {$5000.00}. Now they are threating to sue me for not paying for a contract I am no longer a part of. They have never sent me a billing summary, my contract, and are near impossible to contact.
Product: Mortgage

Has the Attorney General 's Office investigated BSI Financial Services for unlawful practices, fraud..etc? Please take a look online under ripoff reports/BSI and please view what fellow Floridians are dealing with. My loan was with XXXX XXXX XXXX and I was approved for a trial modification which I made payments for a total of {$5.00}. The loan was then transferred to BSI Financial Services which they claim i defaulted on my trial modification and denied my Permanent Modification. I paid {$5200.00} and as you can see i do wish to keep my home and pay what I owe. I have an Attorney 's Office and they have been very helpful. Part 2 of this complaint is that my Attorney 's Office has requested a Payoff Statement from BSI since XXXX XXXX, 2015 and to this date it has not been provided. My Attorney 's Office requested the payoff statement from XXXX XXXX/BSI which then referred them to XXXX XXXX with XXXX XXXX XXXX. which is the Attorney 's Office for BSI. XXXX XXXX received the request on XXXX XXXX, 2015 but has failed to provide the Payoff Statement as he states he will check with his client or he does not respond to the emails requesting an update on the Payoff Statement. My Attorney 's Office received an email from XXXX XXXX/BSI inquiring about my intentions with the property which my Attorney 's Office replied that we are awaiting a Payoff Statement. His response was here is one from XXXX it 's close enough either I can pay or I ca n't pay in full. Can i get an updated Payoff statement? Is it that hard or difficult? My intentions are to fight for my property and I will. I will share my experience with BSI to everyone that I can. Now my question is ... can BSI provide me with an updated Payoff Statement? Attorney General XXXX - I want to save my home, I was approved for a trial modification which included XXXX payments that totaled {$3400.00} and I paid {$5200.00}. I do n't see how i defaulted. I paid more than they were even asking for and their mortgage statements are the statements that confused me on what to pay. I was just happy to be able to make a payment. Can BSI provide me with a Payoff Statement? I do n't need to explain my intentions as I am simply requesting my payoff figures so i can know what i owe the bank. Can you investigate BSI as i would hate for fellow Americans/Floridians to be dealing with what i am having to deal with?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act - XXXX XXXXXXXX XXXX, has violated my rights. 

XXXX5 U.S.C 1605 Determination of finance charge 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Student loans sold many of my private loans to XXXX. While looking at my credit report I see several " payments '' made to XXXX that I never made, therein extending the reporting period on my credit report. These payments appear to be a direct result of the transfer between XXXX to XXXX and therefore should not be represented on my credit report. 

I have NEVER made a payment to XXXX, so I tried contacting the company through XX/XX/XXXX and have made several complaints with the Better Business Bureau. To date XXXX has not given me any  information on the alleged " payment '' that were made by me through XX/XX/XXXX besides some graphs that could 've been made in XXXX XXXX. None of the items furnished even have an account number so it is impossible to link them to my account. I argued that if these payments were made XXXX should be able to furnish proof of these payments via EFT confirmations, voided checks, etc however they refuse to give me any information.
Product: Debt collection

I was sued by LVNV Funding LLC, alleging that I owe them a debt that they bought from the following companies with Chain of Title : LVNV Funding purchased the debt from Sherman Originator LLC on XX/XX/2019, who purchased it from Sherman Originator III LLC on XX/XX/2019, who purchased it from XXXX XXXX XXXX on XX/XX/2019, who purchased it from the original creditor XXXX on XX/XX/2019. 

I do not recognize the original debtor, and I have requested validation of the debt multiple times from LVNV Funding XXXX who is also my former employer through Resurgent Capital Services, their Account Administrator ), who has not provided me this validation in a manner that satisfies my inquiry. I feel this action is harassment, given that they have not provided adequate chain of assignment, and LVNV Funding has been sanctioned multiple times for this behavior. Their attorneys ( XXXX XXXX XXXX XXXX are also the subjects of various investigations by the CFPB and the New York State Department of Finance into actions such as robo-signing of lawsuits and others acts of bad faith. XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  In my case, my attempts to seek substantiation of debt were met with a lawsuit.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of  XXXX    XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/year> under the account number ( XXXX ). ThIS account haS resulted in several fraudulent charge offs appearing on my consumer XXXX credit report. I do not recognize the aforementioned account. The aforementioned account, appearing on my consumer credit report maintained by you, were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit card or prepaid card

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information https : XXXX Please show me the document that i opt out of the disclose Personal/non public personal information to nonaffiliated third party ( Credit Reporting Agencies ) . 

and i also need you clearly and conspicuously discloses to me in writing or in electronic form or other form 's permitted by regulations prescribed under Section 6804 of this title, that such information may be disclosed to such third party.

I want you read this carefully ... You need to notify me clearly and conspicuously discloses to me in writing or in electronic form NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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, credit repair services, or other personal consumer reports

I would like have my XXXX XXXX XXXX account updated the amount should XXXX.
Product: Debt collection

I originally took out the loan with XXXX on XX/XX/XXXX I was notified the loan originally went into default in XX/XX/XXXX. 

I was offered a payment plan back in XX/XX/XXXX. I made some payments but was in financial distress situation as a single mother of a toddler. Of which I did fully communicate this to XXXX back then. 

XXXX XXXX XXXX hasnt provided the original promissory note or the original default agreement. 

I have already asked them to completely remove this negative mark from my credit and their response was a hard no.

According to the statute of limitations in the state of Georgia, a loan default is between four ( 4 ) to six ( 6 ) years. Its been well beyond nine ( 9 ) years since the original default on the loan. As of XX/XX/XXXX, six ( 6 ) years have passed from the original default date.

They have continued to harass me with phone calls and text messages beyond the statute of limitations on this loan default.
Product: Mortgage

I was on a forbearance since the pandemic started due to my job shutting down. I have worked at another place but with the reduction in pay Ive struggled to pay all the bills. My morgage company was just doing emails with the forbearance extensions so that was a huge help. I just needed 1 more extension and I could begin to make payments as my job will be opening back up at the end of the year. On the month before my extension was set to expire I submitted an update to request another extension. As has been customary they said dont call and that it will be done via email. Well a month later I got a letter in the mail that I was late. About 2 days later I got the XXXX statement and it said I was still covered under forbearance so I didnt know what to believe. Then I called my mortgage company and they said I wasnt approved for an extension and that I would need to do another process than what I was doing even though they said my area was still in the zone for forbearance extensions
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XX/XX/XXXX -- {$16000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance XXXX {$320.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX  XXXX Balance : - XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$2300.00} Bankruptcy XXXX  XXXX XXXX on XX/XX/XXXX Reference number : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

My payment is a month behind and I am trying to get caught up. As soon as the next payment becomes due ( the second of the month ) and not paid they start calling three to four times a day daily Monday through Sunday ( they call once or twice on Sundays ) until a payment is made. When I pick up to try to make arrangements to pay its an automated call and my choices are to pay now OR to pay now. Sometimes they let me choose a date three days in the future and I don't get an option to speak with a representative.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Account Name : XXXX XXXX XXXXXXXX Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. 

You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three primary credit-reporting agencies.