23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been fighting with my loan servicers for a few years now. Over the years, my loan servicer has been switched a few times. I have been searching and requesting information about the true creditor or beneficiary of my loan for since XX/XX/XXXX. Every time I sent a Qualified Written Request or a debt validation letter to my servicer, the servicing to my loan would be transferred to another servicer. After receiving some information from a certified loan auditor, I decided to exercise my right to rescind my loan. On XX/XX/XXXX, I mailed to StateBridge Company, LLC, hereinafter referred to as StateBridge, a Notice of Rescission canceling my Deed of Trust and Promissory Note. StateBridge received my rescission notice on XX/XX/XXXX. Pursuant to the Federal Truth In Lending Act, hereinafter referred to as TILA, the rescission is self-enforcing. It automatically extinguishes the lien and the liability. The statute and regulation specify that the security interest, promissory note or lien arising by operation of law on the property becomes automatically void. StateBridge has failed to comply with the rescission obligations which subjects StateBridge to potential liability. Non-compliance is a violation of the Act which gives rise to a claim for actual and statutory damages pursuant to 15 U.S.C. section 1640. StateBridge has failed to take the mandatory steps within the 20 day calendar statutory period. Since they have failed to comply with the statute within the 20 days, StateBridge and/or the " creditor '' have waived any and all defenses and are now in violation of their statutory duties. Because they have failed to act within 20 days, they have given up their right to make a claim for the money that was allegedly loan to me. The debt is not only unsecured, but it is eradicated starting with the rescission notice and ending with their failure to comply with the statute within the twenty calendar day period under TILA. 
The Supreme Court noted in XXXX v. XXXX that nowhere does 15 U.S.C. section 1635 ( a ) allow for a debate as to disputed or undisputed notices ; simply put the transaction and its contracts are void as a matter of law upon mailing of the Notice of Rescission. As a practical consequence of the XXXX ruling, a lender now bears the burden of filing a lawsuit to contest the borrower 's ability to rescind. In this matter, StateBridge has failed to take any action including filing a lawsuit against me to challenge the rescission within the twenty statutory days. Even though the Deed of Trust and the Promissory Note are canceled by operation of law, StateBridge is attempting to foreclose on my property on XX/XX/XXXX. I do n't understand how they can proceed with a foreclosure when there is no valid Deed of Trust. Given the blatant disrespect for the law, I am filing this complaint with the CFPB in hopes that it will take action against StateBridge for their disregard for the law. I believe that it is necessary for me to file this complaint because it appears StateBridge believes it can violate Federal and State law without any consequences for their actions.
Product: Debt collection

Shellpoint Mortgage Servicing bought my mortgage debt. They are a third-party debt collector. When I found out that the mortgage was fraudulent and deceptive XXXX XXXXXXXX, meaning that the initial " lender '' of my mortgage, XXXX XXXX XXXX XXXX located in XXXX XXXX, never lent me money ( I lent myself money ) I realized that this loan had already been paid the minute I signed the promissory note at the closing table. XXXX weeks after the closing of my property ( roughly XXXX of XXXX  ) my loan was sold to XXXX XXXX. Shellpoint Mortgage Servicing keeps saying that my loan is with XXXX XXXX. I called XXXX XXXX, and they said, " This loan is no longer in our system. '' For your convenience, I have included my current credit report proving that my mortgage loan is no longer in XXXX XXXX  's system. The account is closed. A company called Specialized Loan Servicing bought my mortgage debt after it was with XXXX XXXX. Then Shellpoint Mortgage Servicing bought the debt from Specialized Loan Servicing. I have told Shellpoint numerous times that I do not consent to contract with their company. I have NO contract with their company. I have gotten the IRS - UCC Contract Trust Department, the IRS CID and the Better Business Bureau involved in this dispute. For a contract to be valid, there must be equal consideration. There was not equal consideration on the part of the first " lender '' at the closing table. I was the only one bringing money to the table, and the only person that was lending me money was my UCC contract trust account. The fraud and deception that was perpetrated against me at the closing table nullifies the mortgage contract. I do not owe anyone money for this mortgage. As a matter of fact, I will be suing to get back my down payment and ALL of the mortgage payments that I have made thus far.
Product: Debt collection

This complaint is filed against FRONTLINE ASSET STRATEGIES. This company has not provided me with ANY documentation such contract or application signed by me reflecting my social security number. I have tried to have them provide me with such documents for the past six months and nothing. I need CFPB to request to FRONTLINE any documentation that proofs that I own the acct showing my signature and social security number. Other than that ANY ANSWER filed by FRONTLINE is not valid without supporting documents.
Product: Credit card or prepaid card

A 26 day hold was put on my credit card for absolutely no reason. Capital One had no answer as to why and refused to reverse the hold. I have been a good customer always making payments on time and always using my card consistently. The money was taken from my bank account and then held for no reason what's so ever. Here Capital One is earning interest off my money they are holding hostage.
Product: Credit reporting or other personal consumer reports

To Experian and XXXX, Please check the following account as it is showing as balance is overdue and late. This is not true. The account is in fact paid on time and paid in full. Please verify this information as this account has always been on auto pay until account was fully paid. Please do not report inaccurate transactional experiences to my report. Late payments are detrimental to me as a business owner and consumer needing credit at a moments notice. I appreciate your time to help with this matter. 

AFFECTED ACCOUNT : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed A collection with TransUnion. XXXX XXXX XXXX XXXX Are reporting my XXXX XXXX account as {$860.00}. The amount owed is {$860.00}. My XXXX  credit report. Shows this same account as XXXX XXXX XXXX XXXX. XXXX XXXX account as {$860.00}. I received a Certified Letter from XXXX XXXX XXXX XXXX today. From the USPS. This Certified document. Shows I owe {$860.00}, not {$860.00}.
Product: Debt collection

Ever since I cut XXXX XXXX and they said that I owe XXXX for past XXXX years now. I've already pay up front before I cut the line & added {$40.00} for late fee which I wasn't aware of. 

{$260.00} to XXXX XXXX ( XX/XX/22 ) but now creditor collection by waypoint reference number XXXX I am not going to pay this payment if its already taken care of & right now I'm going through hardship and I do not have steady income to cover that cost. 

Hope this 'd have help me. 

Thanks,
Product: Checking or savings account

On XX/XX/2022 I tried paying a bill for XXXX with available funds and they did not let it go through this was my first purchase within 24 hours of last use I have the card holder agreement form with withdrawal and fees/ deposits information on here it says withdrawal daily limits for ATM are 10 transactions up to XXXX I was only able to take XXXX out of ATM and it was stopped. It also says maximum daily debits limits are20 transactions up to XXXX I have only made to transactions of XXXX via debit on XX/XX/2022. I went to a bank teller to try and withdraw cash and the card would not read all my transactions are block or declining and I contacted the company and they told me they don't know why I can't use my funds available I had XXXX when attempting these transactions can you all help me get access to my funds when needed the company is U.S Bank Reliacard thanks
Product: Credit card or prepaid card

I fell ill and required emergency services which have now left me  XXXX . I fell behind on my credit card payments. However, in  XXXX    XXXX  , Discover allowed me to enroll in a payment program that would place my account into suspended status for 12 months. I was told that my account would be reviewed after 12 months for a change in status. I have been making the payments as agreed. However, I called in  XXXX    XXXX   to see if I could move my automatic payments to the  XXXX  of the month and was told that my account charged off and they can no longer make any changes to my account. I asked to stop debiting my account and I was told that they can not make any changes to the account. After telling them that I was was recording the entire conversation, that I was filing a report with the FTC and that I going to contact my bank to stop the payments, I was told not to worry because they already removed the automatic payments from my account. I have not received any verification that they have done so and I believe that they deceptively closed my account. I never received any communication. How could they allow me to enroll in a program and then charge off my account? I do n't believe that they are operating in a legal manner. Please help.
Product: Checking or savings account

On XX/XX/XXXX I noticed {$3800.00} was missing from my Chase Bank account I contacted the Chase XXXX department and informed them that I did not make these transactions too XXXX Chase issued me a positional credit I informed them that they have to contact me by phone or email because I am a XXXX XXXX XXXX  on assignment away from home. On XX/XX/XXXX they removed {$3800.00} from my account which made my account negative {$970.00}. I immediately contacted Chase Bank 's fXXXX department had to argue with the representative and explain to him that I was at work during all these transactions I had transactions I had proof of my with my time card where I was at and what I was doing he told me that wasn't Good enough that if I was blocked in jail then that would be an excuse I wouldn't have Access to my phone I faxed them my timesheet for that week About XX/XX/2021 When I called a couple days later they told me my refund would be issued within 3 to 5 dozen days I called back then it was 7 to 10 business days I'm XX/XX/XXXX they sent me a paper stating that they agree with me that the transactions were fraudulent Then a couple days later they sent me another paper saying that the transactions We're authorized I've even contacted the merchant which is a XXXX site And ask them to do an investigation with With no prevail have I gotten any response from them I sent a copy of the correspondence too Chase. I was put out of my hotel because I'm a XXXX XXXX because I couldn't afford to pay for my room for the month I would like my money put back into my account with interest
Product: Debt collection

This shall serve as an official cease-and-desist for the account starting with XXXX stop all communication. Per the FDCPA The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

usc 1692k civil liability.
Product: Vehicle loan or lease

Last month and this month today my daughter can have a reaction if she get in this vehicle she has Ben tested and she is XXXX to mold.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated by TransUnion XXXX and XXXX. I sent a formal complaint of them reporting inaccurate and incomplete credit information on my report. Below is the information on my credit profile that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report published. I've decided to file a complaint with the FTC and the CFPB. Wenger v. TransUnion Corp., No 95-6445 ( C.D.Cal Nov. 14,1995 ), you may be liable for your willful non-compliance, Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be investigated, I respectfully request to be provided proof of these alleged items, the original application, contract, note or other instrument bearing my signature. Failing to do so, items must be deleted from report as soon as possible. Under federal law, the bureaus have 30 days to complete the investigation. Please be advised that the description of the procedure used to determine the accuracy of and completeness of the information is here by requested as well. Please provide the information within 15 days. The credit bureaus is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior and I was not. As the original creditor, only I can validate this debt and I did not validate this debt. Therefore the following accounts must be deleted from my report. 

Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX
Product: Debt collection

We have been making payments for a debt to a company called RJM Acquisitions. Today we received a call from XXXX XXXX, another debt collection agency, claiming they are the actual owners of the debt and that they are suing my husband for nonpayment. We now have to figure out who actually owns this debt and how we recover the fact that we have already paid a debt to a possible scam artist- all while being sued for this very old debt.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have 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 am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Account Number : XXXX Bal : {$0.00} 2. XXXXXXXX XXXX XXXX  Account Number : XXXX Bal : {$310.00} 3. XXXX XXXX XXXX XXXX  Account Number : XXXX Bal {$5300.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Vehicle loan or lease

I felt pressured to buy gap insurance in the beginning of my auto loan. 
Also my interest rate was high and tried to lower it a few times durning my loan. I did get them to auto skip a payment each year. But that extend my loan
Product: Debt collection

A debt of {$460.00} acquired by this collection agency in XXXX/2019 was unknown to us but showed on our credit report when refinancing. While trying to resolve the issue the collection agency still is not returning phone calls or answering calls. A letter is said to be mailed but returned to them. We receive our mail fine. We have received 0 paperwork. When calling we have been given an extension to enter for a specific person. This person has returned our calls 0 times with us leaving numerous messages. We did receive a call back from another company who could not help us but did offer to send information through the mail again. We continue to call months into this with him not answering or calling back. We have called 7 times in the last 3 work days with 0 response. Today we contacted another customer service representative who told us of the letter being returned to them and gave and email address. We have emailed and are still waiting for any correspondence or further information. We would not know of this debt if not refinancing. Now that we are, the inability to get more information or even communication we are very frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports, there is a closed/charged-off account on my credit report with XXXX XXXX that has a debt of {$140.00}. I contacted XXXX XXXX on XX/XX/XXXX with the information provided on the report and they have no record of me having an account with them. They used both my social security number and the account listed on the credit reports, but was were able to located me as a customer or the account. I then submitted a dispute with Equifax on XX/XX/XXXX for the account, stating that the account does not belong to me. The account has not been removed my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXX/XX/year> {$2200.00}
Product: Bank account or service

I signed up for a checking account promotional offer with Citibank to earn XXXX XXXX XXXX miles after meeting certain criteria. I was told these points would post to my account at the end of my XX/XX/XXXX statement cycle ; they did not. I 've contacted Citibank on multiple occasions with confirmation that the points would be posted within 5-7 business days. My first call was XX/XX/XXXX -- they asked for my AAdvantage account number, and I have provided it to them multiple times ; it has now been approximately one month. I am frustrated that I met the specified criteria, and I have been paying my monthly fees for the checking account, but Citibank has not honored their word by way of applying their promised XXXX XXXX points to my account like they have told me they would multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related This company has failed on multiple occasions in the past XXXX  months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Money transfer, virtual currency, or money service

T ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements 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: Money transfer, virtual currency, or money service

I am writing regarding a concern against Zelle. Regarding how disputes are handled with transaction. Zelle failed to investigate my claims adequately. I was told getting lost funds back was impossible. CFBS findings show Zelle neglected protection of me the consumer but also allowed repeat offenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the period of XXXX and late XXXX  I went through identity theft and due to this troubling experience I got canceled by a credit card company they were aware of the situation and stil decided to close my account and now Im having this issue on my credit report
Product: Debt collection

Several months ago I received a call from Orion stating that my BROTHER owed them money. They left a voicemail saying to contact them to get in touch or pay the balance. I forwarded this to my brother, and he said he had no clue how they got my info. He did not share. I didnt know what it was about. He said it was about furniture his ex-wife rented, but that there was no way they should have my info. I blocked them back then. Today ( XX/XX/2020 ) I got another unknown number call. It was the same company leaving a message to collect money from my brother. I assumed it was for the same thing. It was. My brother called, and the guy said, Why should we stop calling your family if you wont pay us? 
This is utter harassment! I am not my brother, I dont own his debts, and I am appalled by this companys actions! They did skip tracing to even get my info. And to use that, I believe, is illegal ... especially to threaten those uninvolved except relation ... names never provided. I need this to stop! 

I dont know what the debt is that they are looking for. My brother has asked them to stop on numerous occasions, but specifically several times between XXXX on XX/XX/2020 he tried. My mom said she has no idea what they are talking about, so stop calling, but they have not. 

My brother has repeatedly asked them to stop harassing any family and contact him directly. They have not done so, and seem to use this as a tactic. 

I have the VM but can not upload the file ...