23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear CCS XXXX XXXX XXXX XXXX Sir/Madam , I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
The reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the legitimacy of this claim and your authority to collect, please provide : 1. Proof of Authorization under 15 U.S.C. 1692e and 1692f.

2. Legal Basis for attempting to collect this debt, including applicable statutes.

3. Proof of Authorization to Operate in my state.

4. Evidence of Alleged Debt, including any contract or agreement bearing my signature.

5. Full Account History, detailing all charges, fees, and payments.

Your lack of documentation would constitute a violation of FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. Therefore, I demand the immediate removal of this account from my credit records. 
Per the doctrine of estoppel by silence ( XXXX v. XXXX, Mo. XXXX XXXX. XXXX, XXXX ), as I have not acknowledged any debt, I presume none exists. Failure to provide evidence within 30 days will confirm this accounts invalidity. I expect a written response confirming its removal from my credit report.
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) purported to assign the Deed of Trust to the Secretary of the Department of Housing and Urban Development ( HUD ). The note, however, was never delivered. HUD 's servicing company XXXX XXXX XXXX XXXX stated in a XXXX letter, that it never received the original note from XXXX, and the record shows there is no Lost Note affidavit from XXXX XXXX XXXX XXXX  to HUD, nor from HUD in its putative assignment to XXXX XXXX XXXX XXXX ( XXXX ). Specialized Loan Servicing, LLC has admitted that the note is lost. 
Actual assignment requires delivery of the note, or else a Lost Note affidavit. As there is no Lost Note affidavit of record from XXXX to HUD or from HUD to XXXX, then clearly, there was no assignment of the note in either case. Specialized Loan Servicing, LLC has repeatedly attempted to foreclose without the note, without a chain of title, and without any basis whatsoever. 
In XXXX I sent Specialized Loan Servicing, LLC four Notices to prove-up its right to enforce the instrument pursuant to Maryland Code Commercial Law 3-309 ( a ) A person not in possession of an instrument is entitled to enforce the instrument if ( i ) the person was in possession of the instrument and entitled to enforce it when loss of possession occured or, has directly or indirectly acquired ownership of the instrument from a person who was entitled to enforce the instrument when loss of possession occurred. And 3-309 ( b ) A person seeking enforcement of an instrument under subsection ( a ) must prove the terms of the instrument and the person 's right to enforce the instrument. SLS has failed/refused to prove up its right to enforce the instrument in violation of 3-309 ( b ). 
Moreover, each of the alleged assignments in the alleged chain of title is an " assignment '' of the deed of trust, not the note. In Carpenter v. Longan - 83 U.S. 271 ( 1872 ), the court ruled that The note and mortgage are inseparable ; the former as essential, the latter as an incident. An assignment of the note carries the mortgage with it, while an assignment of the latter alone is a nullity. Every alleged assignment in the alleged chain of title is an assignment of the Deed of Trust, and, as stated above assignment of the latter alone is a nullity. This constitutes evidence of record that every alleged assignment in the purported chain of title is defective rendering the instrument unenforceable. 
SLS has fraudulently attempted to foreclose and steal my home under the color of law in collusion with foreclosure mill, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital One Auto and informed the agency that my late payment was directly due to COVID-19 and a XXXX XXXX  in my immediate family. They stated that only during COVID they would make an allowance for such circumstances. Despite this they reported the account late and despite numerous calls they failed to honor the arrangement and allowances under COVID.
Product: Student loan

On XX/XX/XXXX I received a call from XXXX with XXXX XXXX XXXX offering a Department of Education program that would reduce my payments up to 75 % and possible loan forgiveness. A program which I was pre-approved for the loan repayment reduction.Her advice was to act quickly because the program expired that Friday, XX/XX/XXXX. The call back number XXXX left on my voicemail was XXXX. A number that went to XXXX XXXX at XXXX XXXX. Whom i spoke with on XX/XX/XXXX. Her extension is XXXX.

I gave her my information as requested, including annual income and was provided with a loan repayment offer. The offer included administrative fees of {$1300.00} and monthly payments less than {$100.00} while getting the loan out of default and paying all remaining payments. A term of 10 years, nine months and no mention of recalculating the payment amount if my financial situation changed. As a result of that call an FSA ID had been set without my knowledge or an email address associated with it. Without answers to security questions or an email account associated with my FSA ID I was locked out of my account.

My concerns are as follows.

What if any is the relationship between XXXX XXXX XXXX and XXXX XXXX?

How did XXXX XXXX XXXX obtain my cell phone number which was not part of my personal profile with the Federal Student Loan database?

How was my FSA ID established without an email address associated with it?

The tactic of urgency used by XXXX in her voicemail to respond within 5 days because the pre-approved offer would not be available.

Complaint file with Department of Education, case # XXXX.
Product: Checking or savings account

I deposited a check through the banks mobile app on XX/XX/year>. Come XX/XX/XXXX I was given an email that my deposit is on hold. I called the customer service number and was told there is no specific reason as to why my check is on hold. I go to the bank the same day to see if I can get an answer. They called a couple of numbers and could not get an answer as well. They call the XXXX number that is provided on the check to verify. They were told nothing is wrong with the check. They still couldnt verify even after the bank calls the XXXX number.The bank calls another department and the answer they gave was that the name of the company is not on the check. I tell my boss this information and he tells me that it makes no sense because thats the same check they issue everyone. I leave the bank with no valid explanation as to why my funds are on hold.
Product: Mortgage

Have not been able to pay XXXX and now XXXX mortgage payments. 
Due to website is non functional. Stats its always down for maintenance. 
When attempting to process payment via telephone ; Prompt system say they are having mechanical issue and system and technical outage at this time and you can not speak to anyone and it disconnects. 
that numbers is ( XXXX
Product: Credit reporting or other personal consumer reports

I received XXXX emails today from Chase Bank stating that i applied for credit cards and they needed more personal information from me. I called and reported it. I did not apply for credit cards and my XXXX XXXX has all of a sudden taken a major hit with Chase Bank when i checked it and also with XXXX XXXX. I froze all my credit card accounts. I'm not sure what else to do at this point.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant problems with the platform. The findings of the CFPB indicate that Zelle has not just neglected to protect the consumers, but that it has also allowed for repeat offenders to exploit the system, which leaves consumers vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORNMATION WAS STOLEN BY AN UNKNOWN PERSON TO OPEN CREDIT CARD FRAUDULANTLY ON MY NAME THAT WAS USED AND REMAIN UNPAID. IT IS AFFECTING ME FROM GETTING CREDIT AND RAISED MY CREDIT USAGE TO MORE THEN MOXIMUM THAT GET MY CREDIT SCORE TO GO UP. I WOULD LIKE TO HAVE THAT DEBT REMOVED FROM MY CREDIT FILE PERMANANTLY.
Product: Payday loan, title loan, or personal loan

My issue is that I shouldn't have received loan offers in the mail, nor be engaged. I was desperate for a short-term loan but I needed a little more than 200 or {$300.00}. Big picture loans had been soliciting to me via the post mail for several months and my husband was going out of the country. The interest was ridiculous, but we had a plan.. I would use my XXXX bonus check to pay off the loan early. Unfortunately, we got unexpected expenses while my husband was traveling and I could not pay it off. 

I could not get a big enough tax refund to pay it off. After seeing how much money I have paid I started to feel like I was almost done paying it off but I have barely paid anything towards principal. XX/XX/XXXX I received {$920.00} loan and as of XX/XX/XXXX I have paid XXXX for interest and {$26.00} for principle. 

I knew this was a huge rip-off but because they are a tribal based company I felt like I made a deal with the XXXX and that they could legally rip people off if they wanted to. 

I started researching the company and seeing if there were any class actions against them that I could sign up for because I was tired of paying so much money just towards interest. 

Well I found this company is not legally license to operate and loans to Washington State residents. I was being solicited to, at my Washington state home, since early XX/XX/XXXX. Washington State Department of Financial Institutions states that this company 's loan can not be enforced and all interest paid or fees paid must be refunded ( https : //dfi.wa.gov/XXXX  ) I am distraught at how much I have paid in 7 months, unaware that this company is not only charging sky high interest, but misleading me into thinking that they are above the law.
Product: Credit card or prepaid card

Genesis Financial d/b/a Genesis FS Card services has failed to properly apply the proper payment to the account. I XXXX ; XXXX XXXX, has sent an endorsed instrument to the payment center as well as the CFO with instructions on how to apply to the account. Genesis FS Card Services has failed to send any notice of dishonor as required by U.C.C. 3 - 503. 12 CFR 411 states that Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. Genesis FS Card Services is engaged in unauthorized use [ means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. ] of my credit card [ defined as any card, plate, or other single credit device that may be used from time to time to obtain credit. 12 CFR 1026.2 ( a ) ( 15 ) ( i ) ] as they are receiving access to my credit but requiring me to go beyond endorsing my instrument which benefits me none. I am aware that 18 usc 8 means all debt is the obligation of the US and Genesis FS Card Services is fraudulently demanding payment and threatening to close my account which counts as adverse action. Full penalty will be pursued for failure to comply with truth in lending act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

18 USC 8, Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

15 USC 1692e ( a ) False or misleading representations and also a Hippa Violation.

Violation of the FCRA and is in violation of requisite XXXX Compliant reporting standard.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, a wire check in the amount of {$120000.00} was sent to PHH Mortgage from XXXX XXXX  to close out my loan with them. 

On XX/XX/2019. PHH Mortgage withdrew {$1000.00} from my checking account to cover a payment that should not have been made as the loan had been paid in full. 

I contacted PHH and XXXX XXXX  on that day to voice my concern. XXXX XXXX from XXXX XXXX  has been working with a person named XXXX from PHH to resolve the issue. 
PHH claims that they never received the wire transfer and has yet to resolve the issue. 
It has now been 5 business days and I have not been reimbursed my {$1000.00}. 

You can reach XXXX XXXX from XXXX XXXX  at XXXX XXXX at PHH XXXX Myself XXXX XXXX XXXX.or XXXX My Account number at PHH is XXXX
Product: Student loan

Dear Gentle People at Consumer Financial Protection Bureau I was referred to you and read the article about CFPB and student loan unsavory practices. I made a lump sum payment ( XXXX ) to XXXX XXXX in XX/XX/XXXX, " students making a lump sum payment toward the principal are discovering that companies servicing their loans are making it harder to save money on interest charges. '' I recently discovered this with my student loans. 
My loans are started in XX/XX/XXXX for my XXXX degree to my XXXX in XX/XX/XXXX. My loans were under XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX and then transferred to Navient. 
XXXX XXXX has no record of my loans or loan payments at all!! 
I applied for the Public Service student loan reduction payment plan with XXXX XXXX in XX/XX/XXXX. 
Navient stated I would have to reapply and start the program over! 
Navient only has records going back to XX/XX/XXXX. 
Whatever you can do to help would be greatly appreciated! 
Respectfully submitted,
Product: Mortgage

I already filed a complaint with cfpb. I recently refinanced my home mortgage with loan depot.com llc. After I signed the closing disclosure the monthly payment and closing fees increased. Loan depot explained to cfpb the reason for the increase was due to their miscalculation of the school taxes and homeowners insurance. CFPB closed my complaint. My loan depot loan officer said I should be receiving a refund from my insurance, XXXX because loan depot and my former bank both made payments. 
I contacted XXXX, and they never received a payment from Loan depot. 
Loan Depot increased my mortgage payment, closing fees, gave me less cash than promised after closing because of the homeowner 's insurance escrow increase and school properties ... THEY NEVER PAY MY OWNER 'S INSURANCE. I lowered the escrow amount in my homeowner 's insurance, and sent a copy of my most recent declaration page of the insurance to loan depot. I asked them to adjust the mortgage monthly payment because of the new change in the insurance policy. No one has responded to my concerns nor have made any efforts to solve the problem. I 've attached a copy of my new homeowner 's insurance with this complaint.
Product: Mortgage

We asked Fay servicing for a modification to our mortgage on XX/XX/XXXX and confirmed receipt of all documents. We received an email from XXXX XXXX on the XX/XX/XXXX asking for additional documents, which I provided the same day and receipt was confirmed. I was told we would have a determination in 30 days. I have asked repeatedly, and have not received a response. I am an employee of the US Government ( Department of State ) and have been stationed overseas until very recently, thus, my home has been rented. Our tenants broke the lease, therefore we do not currently have the income to pay the mortgage at the current payment, we have been behind on payments since XX/XX/XXXX. We have had difficulty finding new tenants, and have just had a new lease signed beginning XX/XX/XXXX so we do not need a long term solution. In order to keep my security clearance ( which is necessary for my job ) I have to keep my payments current and have asked Fay Servicing to assist me with my extenuating circumstances. They have been non responsive and unhelpful, and I am hoping you can help mediate the situation and hopefully expedite a solution that we can be satisfied with. 

I can forward you the documentation I provided, but it will not allow me to put it in the field below due to the file size. If someone can provide me with an email address, I will forward it.
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see incorrect accounts on my credit report. I usually check it without any issues, but this time there were discrepancies that I can not explain. I tried refreshing my browser, hoping it was just an error, but the accounts didnt disappear. Im now requesting a careful review of the documents I submitted, so I can stop living in constant worry.
Product: Student loan

I, XXXX XXXX XXXX, attempted to remain in honor by tendering payment via a properly endorsed negotiable instrument in the form of a payment coupon. I gave them notice that I am the Agent and beneficiary of the Principal XXXX XXXX XXXX, and I am accepting all titles, rights, interest and guaranteed equity owed to the Principal. I included a Power of Attorney in the enveloped that I sent in, which relates to the Agent & Principal relationship. The endorsed payment coupon was accepted for deposit and made payable to the bearer, with the proper instructions, in the amount of {$31000.00} to NELNET XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. It shows that it was delivered to NELNET, XXXX on XX/XX/XXXX. The company is in possession of the instrument, but did not credit the principals account. NELNET, XXXX is in default and dishonor, as they have violated multiple codes, laws and acts. XXXX XXXX states that if tender of payment is refused, then there is discharge to the amount of the tender. I called NELNET XXXX XXXX on XX/XX/XXXX and asked for validation of the debt and a contract that I have with NELNET, XXXX that has my signature on it. The representative said that they dont have that. So they cant validate the debt and they also have refused the tender of payment. I also sent a XXXX notice to the CFO, which was delivered on XX/XX/XXXX, and have yet to get a response or update to the principals account. Respectfully, I am aware that not all company representatives may know exactly what to do in order to correctly process and credit the registered security that I sent in, which is why I suggested in the notices that I sent that they consult with their trustee bank in order to do so. I know that the NELNET, XXXX XXXX, XXXX XXXX XXXX XXXX works closely with XXXX XXXX  XXXX XXXX COMPANY to handle securities. 
I am filing a complaint and asking for an immediate investigation to rectify the situation so they may remain in honor. I am staying in honor, acting in good faith and with clean hands. As it stands, NELNET, XXXX is committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on. Certain Violations include, but are not limited to : Uniform Commercial Codes, Bill of Exchange Act, 18 USC 8, RICO ACT 18 USC 1951, HJR 192, Uniform Negotiable Instruments Act. 12 USC 1431, 15 USC 1601, and Securities Fraud.
Product: Debt collection

I have received repeated calls from this company. When I pick up the line is quiet and they go directly to talking to me and asking personal questions. When I ask if it is being recorded, they disclose this then, after the fact. 

I was contacted in this manner this morning ( XXXX XXXX by XXXX with IQ Data International from number XXXX ) She did not tell me I was being recorded. I repeated told her I did not want to be contacted and she did not acknowledge this whatsoever. She accused me of being rude for speaking over her because I did not want to be recorded without consent. 

I was contacted on XXXX on XX/XX/XXXX and the call was ignored. 

I was contacted on XX/XX/XXXX at XXXX and I informed them then I do not authorize them to call me or record me. 

I have had several other calls that I have not logged.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes that have gone unanswered. There are late payments on my credit report that are inaccurate. Please assist me in removing these erroneous late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX OF XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have been receiving calls from MCM OR XXXX XXXX XXXX XXXX They start calling my phone at around XXXX  every day. They call my work phone over ten times a day. And after they call my place of employment they call my cell phone. I have asked them to stop calling but it is so aggressive Im done. Yes I acknowledge the debt. But at this time I am not in a situation to pay for it. I explained this to the original debtor which was XXXX XXXX XXXX.