23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, I received an email from Federal Student Aid ( FSA ). The letter thank me for my public service and stated I was eligible for PSLF. My effective date of forgiveness was XX/XX/XXXX. It stated I can expect discharge within 30 business days and no further action was needed. The loan is being serviced by Mohela, which I have contacted once a week since XXXX. Between Mohela and calling FSAcustomer service can not explain why the 30 business days have come and goneand this loan hasnt been discharged even though, I qualified XX/XX/XXXX and was notified on XX/XX/XXXX. 

Please HELP! XXXX XXXX XXXX XXXX and have worked in XXXX  for over XXXX  years. I have provided public service and my request is that Mohela and FSA provided the services that I am entitled to receive. I am a member of a PSLF group and others who received the same letter in XXXX, XXXX and XXXX have been discharged.
Product: Mortgage

In response to XXXX, I have certified mail XX/XX/2024 a Notice to Dispute, to PHH Mortgage along with XXXX XXXX XXXX please see attachments. Please put XXXX XXXX XXXX XXXX along with any consumer reporting agency on notice as well. 

Ive also emailed XXXX XX/XX/2024 regarding my account as well. I am demanding Revocation of Security Interests along with releasing the real property from escrow by settling and closing the account for my security interests and proceeds. 

I will continue to stress I did not give ANY consent to any of these consumer credit transactions regarding my security interest to any of these institutions. I demand my claims and all rights reserved to me for all these years of security fraud. Under the XXXX XXXX XXXX XXXX, the name and the signature of both the beneficiaries and the original creditor must be disclosed in the same document. XXXX ( d ). The signature of the borrower must be included as well as into the assignment or the transfer ; unless a clause in the deed of the trust/mortgage waives it. 
PHH has failed to provide my requests repeatedly.

They are in violation of CFR laws, breaching US codes and ignoring the securitization process ( FAS 140 was not sent ) which is unlawful, because once my security was sold, PHH has lost the ability to control or enforce any rights on its behalf. In simple words they are not the Real Party of Interest, simply a servicer. I need all these shareholders to forfeit whats rightfully mine. 

( See attachment Notice of Dispute ) Seeking arbitration Please provide me with the total amount from the itemization of the loan disbursements, the loan charges, the current principal balance, and all payments received from me, so that you may compensate the exact amount needed for tender. 

( See Remedy For Relief Below ) Thanks Without Prejudice /s/ XXXX XXXX XXXX UCC1-308 All Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX XXXX  account was taken over by XXXX XXXX XXXX, XXXX. My settlement with XXXX & XXXX was agree to by both parties and upon full payment of our agreement, the XXXX XXXX Account derogatory information would be permanently removed from my Experian, XXXX, XXXX, et al credit bureau reports files. 
In the past year and a half or so, I have spent well over {$1500.00} on credit repair companies, XXXX XXXX and XXXX, to have XXXX XXXX Bank delete all of their derogatory credit bureau report information reported to Experian, XXXX, XXXX, et al credit bureau, to no avail. 
XXXX XXXX Bank sold my account to XXXX XXXX XXXX, and I paid XXXX & XXXX the full agreed to amount, and XXXX XXXX Bank refuses to remove their derogatory information from all credit bureau report files, even though they sold my account to XXXX XXXX XXXX. 
Once I paid XXXX & XXXX in-full, then my original debt was completely paid off, as agreed to by XXXX & XXXX and myself! 

XXXX XXXX XXXX
Product: Debt collection

My medical service said I don't owe this debt. 
I had paid a partial payment to a debt I didn't owe.
Product: Mortgage

I made a payment through XXXX XXXX on XX/XX/XXXX. I was told that all I had to do is call in and give them the mtcn number so they can process it on that day then I would n't receive a 30 day late. So I called in the number on XX/XX/XXXX after I made the payment and gave the rep the mtcn number. I get a call on XX/XX/XXXX asking for XX/XX/XXXX payment and he informed me that I would be getting a 30 day late because my payment did n't get their until XX/XX/XXXX. What was the reason for me calling in the mtcn number from XXXX XXXX. Struggling to stay on track misinformed by representatives. I am doing my part yes I 'm behind you have no resources but to ruin my credit and take my home. I have no other choice but to put my house on the market and hope that I can get an apartment thanks Sunwest. I have made payments before on the XXXX of the month and I did n't get a 30 day why now. I am already stressed that things are at a down spiral you would think that I can get some type of break
Product: Debt collection

I disputed a charge that I know i didnt do. It was XXXX dollars from a moving company i did not hire. They reversed the charges and say they now have proof it was valid. They sent me paperwork that clearly wasnt my signature at all. I even had to get a new debit card. Why would I do that if I authorized this transaction. Now they are trying to debit my account XXXX and will put my account into the negative.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I've taken the time to compose this message after reviewing my credit reports and speaking with several representatives. After reviewing my reports I've noticed that the listed accounts in this report violate the Federal Credit Reporting Act. They violate 15 USC Code 1681i ( a ), 15 USC Code 1692g, and 15 USC Code 1681S-2. Being a federally protected consumer, I am demanding the removal and deletion of these listed accounts immediately. Lastly, no consent constitutes identity theft, and the listed accounts never received my contractual written agreement to report anything on my accounts.
Product: Mortgage

We sold our home and the mortgage servicer received payment in full, in cash. They took an additional monthly payment out of my checking account via ACH. We need that money immediately for the purchase of our next home. The process they outlined will take a month to correct their error. The practice of continuing to take ACH payments after loans are paid in full is a known issue. Who but the CFPB can hold them accountable and make this practice stop?
Product: Credit card

Filed a dispute due to services being materially different, as outlined in the Fair Credit Billing Act. In addition, provided a written statement outlining how services were materially different and attempted merchant resolutions. Dispute this, card issuer has continued to add the disputed amount, in violation of law, to my account.
Product: Credit card

I received a letter from XXXX XXXX ( I guess this is who XXXXXXXX XXXX uses for their department charge card ) alerting me to an unpaid amount that has been accruing late fees. I called XXXX XXXX XXXX to inquire about the charges since I had not purchased anything nor did I authorize any purchases. I was redirected from XXXX XXXX to XXXX 's fraud department. I spoke to the fraud department asking them when the charges were made, who signed for the charges, and XXXX 's could not provide any of this information. I informed them that I had not made any purchases in XX/XX/2023. The amounts XXXX 's has been quoting me that I owed was between {$200.00} and then {$400.00} ( I received no bill and no straight answer answer from XXXX 's ). When I asked the fraud department ( at XXXX ) how anyone can charge on an account if the department card is not present, they said, " all anyone has to do is call up an account number '' I then replied, " how does an employee confirm that the person making the charge is the same name on the license as the account. '' The employee at XXXX 's XXXX said, " We don't ask for any confirmation. '' I then asked, " what do you do to ensure protection of your customer? '' The XXXX rep 's reply, " nothing. '' I informed the XXXX XXXX XXXX department that I only purchase the same items twice a year and that if they look at my purchase profile, the fraudulent purchase are inconsistent. I also pay my any amounts I owe and I am never late. I explained to XXXX 's that these fraudulent charges sound like an employee made these purchases. The rep did not respond. The fraudulent charges were made at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX. I filed a police report and have been trying to get XXXX 's fraud department to respond and nothing thus far. I am seeking assistance.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$330.00}, and XXXXXXXX XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$10000.00}.
Product: Mortgage

I am a home owner. I had Ocwen mortgage which is now PHH. I was sad to see Mr XXXX go since he knew the horrors of Ocwen. After twelve years of XXXX with Ocwen dealing with botch escrow accounts putting lender place insurance on my home 106 times and never giving me credit for it after it was discovered but taking it out of my loan then saying I was behind, robo calling, on and on I finally being XXXX cant fight any more and I let the home go to foreclosure. I have complained to you before about them. During the redemption period we had our realtor negoitiate a short sale. We have a buyer and Owen approved it. There relationship manager worked on this for 4 months. We have a buyer and a approval by Ocwen. theclosing was delyed because we were waiting for paper and lien removal from IRS. Then by that time PHH took over Ocwen. We were ready to close and they would not honor the short sale stating they dont allow them during the redemption period. They are much worse then Ocwen. There is no reason given. Of course you can never talk to the same person twice. XXXX XXXX is unreachable as are all the higher ups. Our relationship manager XXXX XXXX worked four months on this he is not sure if he is even working there. There is no reason to deny the shortsale we have a buyer. They will not have access to the driveway if this does not go thru as we own that and bought it separately and it does not go with house. In addition XXXX XXXX is part owner because they are removing dioxins from river. Why are these type of companies still in business. I know that they hire lots of former government officials in these areas and top executives go to the government as well from these companies. Yet millions of homeowners lost there homes and no one is doing anything. They dont want these horrible companies to go down. They just want them to get fined to death so they can keep there agencies afloat. Its a crime. 
Please help us. This is not right we have no where to turn.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Online application was approved and account was opened then before getting the debit card for the account in the mail the bank closed my account. The bank states that since my opening deposit did n't go through they closed my account. They had the option of opening the account without the deposit so I beg to differ for that being the reason. My account was closed onXX/XX/XXXX.
Product: Credit card or prepaid card

My Family and I moved from XXXX, New York to Maine in XXXX of XXXX. Shortly after that, someone with access to my old building started stealing my mail. First a XXXX XXXX credit card issued to me, was mistakenly sent to my old address. In the process of clearing that up, I asked XXXX XXXX to tell me what items were purchased. All of the items were things I never bought, and one particular transaction was for an item that was delivered to another apartment within the same XXXX building while I was living in Maine. XXXX XXXX XXXX XXXX Department investigated the fraud, cleared it up, and sent the new card to the right address. 
The second incident went on without me knowing until around XX/XX/XXXX. I received a call from XXXX  XXXX in Maine. I had applied for a line of credit with them, and they made a credit inquiry which revealed that there was one outstanding delinquent account in the amount of {$21000.00}. I then requested a credit report XXXX, XXXX XXXX and XXXX, which gave me access to the information about the fraudulent account. The account in question was for a retailer named XXXX XXXX, and the company who issued the credit was XXXX XXXX. I called XXXX about the fraudulent account, and they asked me to verify the account number, but the credit report I had just requested, only gave me access to the first 12 numbers in the account ( the last XXXX digits were obscured ). I explained this to the XXXX XXXX. representative, and they said I needed the last four digits of the account. Of course, I never got access to the complete account number because whoever fraudulently applied for the account using my personal information, didn't bother to have the bill sent to my current address. So I never had access to the full account number until XX/XX/XXXX when I received a letter from Portfolio Recovery Associates , LLC, a collection company who bought the bad debt from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Inquired on XX/XX/2021, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

North American Recovery calls about a debt I do not owe. They call family and friends, they call business numbers, and fish for additional information. They have been asked to stop contact, and they lie and deny they ever called at all, even with the caller IDs specifically identify them. I do not know what debt they are calling about, I do not have any. They are rude, they are abusive, and they are calling people they should not be contacting.
Product: Credit reporting or other personal consumer reports

in accordance with the the Fair Credit Reporting Act, 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 has violated my rights 15 USC 1681 Section 602 ( a ) ( 4 ) states i have the right to privacy, 15 USC 1681 Section 604 ( a ) ( 2 ) : also states any consumer reporting agency can only furnish an account with my written instructions, they were never given written instructions
Product: Debt collection

Santander has a charge off on my credit file on an account that is in litigation due to predatory lending between XX/XX/XXXX, XXXX XXXX. Louisiana Attorney General XXXX XXXX has picked this up due to the predatory lending. They reported inaccurate payment dates. They repossessed the vehicle and sold it for over the amount that was supposedly left owed. Keep in mind I paid over XXXX and put XXXX down on a XXXX $ car. They are XXXX $ is owed and it is not. This debt is no longer owed and they have sold it to multiple collection companies. XXXX XXXX XXXX sent me a dunning letter trying to collect XXXX $ that I received in the mail on XX/XX/2021. This debt is not owed.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1692g - Validation of debts U.S. Code Notes ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. These accounts I have requested to opt out and not to report anymore on my credit reports XXXX, Equifax and XXXX. XXXX XXXX account number XXXX, XXXX XXXXXXXX XXXX XXXX  account number XXXX. This clearly states as the consumer these accounts are closed and I want these to be removed immediately and not reported ( updated ) on my credit reports.
Product: Money transfer, virtual currency, or money service

In USA the legal transfer fees commission is {$15.00} for all XXXXnstitution except for Deutsche Bank NY that collect 11 % commission which is illegal and abusive. What is interesting is the fact that the XXXX regulator XXXX has released a damming report into regulatory and compliance failures regarding benchmark rate rigging. Also it is not clear if this Abuse has anything to do with Deutsche Bank scaling back US operation???? Also is not clear if this is in retaliation to Department of Justice seeking a {$14.00} billion settlement amount that is bigger then Deutsche Bank market capitalization???? Lets take a transaction from XXXX XXXX XXXX and I will explain what is going on. XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : DEUTSCHE BANK XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX  XXXX REF :  XXXX REF XXXX On the US {$290.00} and on top there is another {$15.00} and the left over amount is only {$270.00}. This extra commission of Euro XXXX started on XXXX XXXXMy name is XXXX XXXX and since XXXX I am collecting my pension from a XXXX Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) My pension from XXXX is XXXX XXXX. In XXXX there is collected a commission of XXXX XXXX. Deutsche Bank XXXX transfer to NY XXXX XXXX. Deutsche Bank will take in NY another commission of XXXX XXXX so the amount received is only XXXX XXXX. The rate used to exchange it in US is XXXX = {>= $1,000,000} so for XXXX XXXX I got {$XXXX}. In XXXX the payment is very late and I can never count on it but there is an exchange rate of 1 XXXX  = {$0.00} OR 26 % COMMISSION. For XXXX XXXX, XXXX the real and official exchange rate was XXXX XXXX = {$1.00}. The rate used by Deutsche Bank NY is XXXX XXXX = {$0.00} and this is another abuse. Today XXXX XXXX the rate is XXXX - {$1.00} and the rate used for my transfer after all fees taken is XXXX XXXX - {$0.00}!!!!!!! I consider that the abuses of Deutsche bank with no respect for the fact that operate inside USA. collects illegal In my situation XXXX XXXX that is a lot of money taken from my pension. Now a commission of 26 % of my monthly payments of XXXX XXXX taken by Deutsche Bank XXXX and Deutsche Bank USA!!!!!. If all banks in USA used only a flat fees of {$15.00} why Deutsche Bank NY is allow to abuse people from USA. When you call them they ignore you. When my banks called them they ignore them too. Deutsche Bank abuse inside USA the transfers to American People by charging XXXX XXXX commission for international transfer fees. Since they take a commission in XXXX of XXXX XXXX and another one in XXXX. of XXXX XXXX for each XXXX XXXX Transfer.