23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company ( Designed Receivable So ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name ( XXXX XXXX : house of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )
Product: Debt collection

I am trying to close on a house and over the last year, I have been repairing my credit. I called XXXX XXXX because my lender saw a collection on my credit report that was charged off. When I called the first two times, I was told that i must have the wrong credit card company because there was no record of my collections account there. I had my lender send me a screenshot of what they were seeing and sure enough, it was an account with XXXX XXXX. So I called back and asked to speak to a manager. Finally a manager was able to verify my collection account and got me over to XXXX  in Loss Mitigation. XXXX verified my account and I offered to pay it in full IF they would send me a {$0.00} balance letter THAT DAY for my lender. She said I would get one emailed to me immediately because the payment will trigger that automatically. So I paid the account in full- {$410.00} paid XX/XX/XXXX acct ending in # XXXX XXXX XXXX  Payment Confirmation # XXXX I asked when I would receive the letter and again, XXXX said to give it XXXX minutes and that if I didnt get it, to call back. Didnt get the letter over an hour later, so I called back and asked to speak to XXXX I was told no one could send me to her and that, AGAIN, the account I just paid off, did not exist. I was hung up on 3 times before someone gave me to a manager and they got me over to someone who claimed to be XXXX manager. When I asked where the letter was, she said Oh well XXXX didnt tell you that it takes up to 2 weeks for your payment to post so you will receive a letter after your payment posts. I was furious. I told them I was going to lose my house if they didnt send me a letter ASAP. They said theyd try to escalate it. Well, I never received the letter and my first mortgage got denied. 

I have called back and disputed the account MULTIPLE times always with the same result. I have uploaded screenshots from my bank account where I paid the account in full, as well as the payment confirmation number, and the entire story and everything employee Ive spoken to to NO AVAIL. I even took to social media, emailed the CEO of XXXX XXXX and then finally, 3 DAYS BEFORE MY CLOSING, they responded to my credit dispute on XXXX and REPORTED MY ACCOUNT AS {$410.00} CHARGED OFF IN XXXX OF XXXX!!! I PAID THE ACCOUNT IN XXXX!!! THIS IS FRAUD AND THEY ARE RUINING MY LIFE!! MY FAMILY COULD BE HOMELESS BECAUSE OF THEIR CRIMINAL ACTS!! Im filing a lawsuit against them and they should be receiving a letter from my attorney this week but they need to be SHUT DOWN FOR GOOD!! Please help the public by investigating and shutting them down! They are a DANGER to the American people!!
Product: Mortgage

I closed on my mortgage on XX/XX/2023 The total land I bought was XXXX acres On XX/XX/2023 the seller tried to get me to sign a Land Division Application I refused I contacted the township and the said they would not go through with the application I received a tax bill that indicated they did proceed with the Land Division It was addressed as follows : My Name 93 % Sellers Name 7 % Property address City State Zip I received another tax bill that indicated even less acreage I contacted the realtor association as per terms of mortgage I contacted an attorney I disputed the tax bill with the township
Product: Vehicle loan or lease

On XX/XX/XXXX XXXX XXXX XXXX got a loan for a XXXX XXXX which was price online for {$16000.00}. I also put a down payment of {$3000.00} witch is a violation of 15 usc 1605 there should not be a down payment in a Consumer credit transaction. They also never provided insurance which is supposed to be included in the finance charge an is a violation of 15 usc 1605a ( 2 ). At the end of the transaction The price of the vehicle was {$26000.00} with the total amount of payments is XXXX. The finance charge is {$8400.00} and is the sum of all charges according to 15 usc 1605. They also never gave me my right to rescind papers. Also never gave them any written consent or instruction to report this to any consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX which is considered a vacation and travel company took a loan out in my name that I did not authorize. This loan is now with XXXX XXXX in the amount of {$3300.00} and has landed on my credit report in collections. Apparently this loan is also accruing interest. This debt hit my credit report XX/XX/year>. XXXX XXXX, I do not have anything physically in my possession that cost me {$3300.00} that will make them feel like they needed to take out a loan in my name and I need to repay this loan for absolutely nothing. I haven't went on any vacations or anything that has to do with XXXX XXXX.
Product: Credit card

I received a letter ( dated XX/XX/year> ) from " XXXX XXXX '' with a XXXX XXXX XXXX ( no physical address ) in XXXX, XXXX XXXX saying that Elan Financial Services ( also a XXXX XXXX XXXX XXXX XXXX ) is opening or has opened a credit card account ( ending XXXX ) in my name. I replied ( XX/XX/year> ) with a letter saying I did not open this account nor did I authorize anyone to open such an account in name, and demanded that the account be closed and the credit card terminated. 

Today ( XX/XX/year> ) I am in receipt of two letters, one from Elan Financial Services and one from XXXX XXXX, asking me to certify that I did not open this account and asking me to fill out a 5-page questionnaire demanding all kinds of personal information and to be signed before a notary. 

In my earlier complaint with CFPB, I assumed ( based on online information ) that the bank in question is US Bank. But I am not sure now. It seems that the outfit in XXXX, XXXX XXXX ( going by Elan Financial Services ) is a scamming operation that tricks people into providing personal information, including social security numbers etc.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my PayPal account was permanently limited for reasons Im unaware of, and with that {$3000.00} of my hard earned money was placed on a 180 day hold. When trying to figure out what I did wrong, and what I could do to access my funds they give me the runaround and havent given clear explanation on what happened, they also refuse to allow me to withdraw my funds. I have lost my home and car due to these being the last of my funds, which I have expressed to them in the prior months of me trying to get the situation figured out. I want my funds released as now Im homeless and have done no wrong and been a loyal PayPal customer for years. I will go the legal route if my funds are not released swiftly, as PayPal has a history of doing this to thousands of customers every single day.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and notice that I had XXXX late payments on the account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included in the screenshot inside the complaint in on the dates ( XX/XX/year> ) and ( XX/XX/year> ) ( XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be, due to the fact I was never late. Thanks. Please see screenshot attached :
Product: Credit card or prepaid card

On XX/XX/19, I made a purchase using my Brooks Brothers Platinum MasterCard serviced by Citibank Retail Services ( " Citi '' ) in the amount of XXXX XXXX XXXX XXXX Dollars and XXXX XXXX Cents ( {$320.00} ). On XX/XX/XXXX, I contacted Citi concerning the charge and the merchant 's failure to provide the order. I received a response from Citi dated XX/XX/XXXX, stating that the merchant disclosed proof from XXXX that I signed for the package. ( See attached as Exhibit A ). This information was false and misleading. On XX/XX/XXXX, I replied to Citi with additional information from XXXX indicating that the package may have been  delivered but without signature as the merchant did not ship the package with a signature requirement, ( See attached as Exhibit B ). As such, I requested an internal review of charge, dispute process and further inquiry. In the interim, I made good faith payments to my account with Citi in an effort to avoid delinquency and fees. In addition I requested that all fees and penalties on the disputed amount be reversed. Since my initial dispute in XXXX, Citi has charged XXXX XXXX Dollars and XXXX Cents ( {$67.00} ) to my account and reported my account as delinquent to the three major credit reporting agencies. Their erroneous and egregious conduct has now affected my credit and ability to do business with other lenders.
Product: Credit card or prepaid card

I made an online order at macys.com on XX/XX/XXXX ( golden necklace, order # XXXX, total amount of the item with the tax and shipping is {$1800.00} ). The purchase was made with Macys credit card. Since it is an expensive item, I chose a paid shipping option, though the free shipping option was available. The order was shown on the XXXX tracking site as delivered on XX/XX/XXXX, but this order was never actually delivered. Macys shipped an expensive item without signature requirement. XXXX shows the package as left with the concierge on XX/XX/2023, but there is no concierge at the building. I informed Macys immediately regarding the missing order, they informed me that they started the investigation. 
On XX/XX/XXXX Macys Customer Service informed me via email that We do show your package is still on its way but was delayed unexpectedly. Please allow us up to 16 days to investigate the location of your order. You will receive an email of the outcome of the review once it has been processed. The email printout is attached. 
I never received the promised response with the outcome of the delayed item ; thus, I followed up and received the response that my request was denied. Ultimately, I am left with a credit card charge of {$1800.00} and I have never received the item. 
The timeframe for this case : XX/XX/2023 order placed on macys.com XX/XX/2023 XXXX shows order as delivered, left with the concierge. 
XX/XX/2023 I informed Macys on the issue via customer service chat. 
XX/XX/2023 I sent an email to Macys customer service, since I never received the response on the investigation that was started via Macys customer service chat. 
XX/XX/2023 Macys customer service sent me an email saying that the package is still on its way but was delayed unexpectedly. ( printout attached ). 
XX/XX/2023 Macys customer service sent me an email saying that the package is still on its way but was delayed unexpectedly. ( printout attached ). 
XX/XX/2023 I submitted a dispute on transaction with Macys credit card,- there is no answer and I assume there will be none since it is the same company XX/XX/2023 I sent an email to Macys customer service to follow up on the investigation. 
XX/XX/2023 - Macys informed me that my case was denied. 
XX/XX/2023 I tried to submit a claim on XXXX website for the non-delivered item, but XXXX informed that only the seller/shipper can submit a claim on that item. I have the printouts proving this, which I can share upon request.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB unless you can provide verification of original signature. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UD DEPARTMENT OF EDUCATION  XXXX XXXX XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- XXXX has relisted 15 fraudulent inquiries.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT ED/XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

I was pre qualified the loan on XXXX XXXX. I applied on XX/XX/2021. I was trying to obtain for this loan for money to move and use it as a deposit for a new place. Cheaper cost of living to be exact. Their was a wait for the application. During that time they had me gather documents for the loan ( bank statements, pay stubs ). They also did a soft inquiry. Then they asked for the front image of my last pay check that was already deposited a week before. Lucky the day of expiration of my loan terms I was able to find in the garbage the receipt with the check image. Then they complained about how the pay stub and the receipt was off by one cent. Then later in the evening I was approved for the loan. I accepted the loan. Then three minutes later I was denied because of another hard inquiry from a credit card in which I was approved for. Then I asked then since they would not give me the loan to have the hard inquiry removed from from credit report. They stated they could not do so. They told me to contact the credit bureau in which i did ( XXXX  ). XXXX  told me to ask the company for a letter of deletion. Upstart would do so. Now I can not get a new loan from other providers and it also will not help getting apartment with is inquiry on my credit report
Product: Checking or savings account

I went in XX/XX/XXXX to close my banking accounts at the Wells Fargo in XXXX, Iowa and they never closed the account even after my person banker XXXX XXXX said he would take care of it first thing in the morning. They never closed the account and allowed reoccurring payments to go through 3 times after not closing the account and over {$150.00} in fees after that giving me a negative balance of {$180.00}. When I go in on XX/XX/XXXX after finding out just then that this had been going on because they sent no mail to my house and left me no voicemails. When I speak to a different banker she tells me that the account has been closed on XX/XX/XXXX. I ask what happened with the negative balance and she tells me I dont owe anything and that the account has been taken care of. Today, XX/XX/XXXX I go in there because they had sent me to collections with no prior notice whatsoever. They proceed to say its all my fault and that I should of went in to do their job for them basically and say theyre gon na call their resolution center to help fix the problem and that Id hear from them in 2 days. They then call me one hour later and they lie to me once again and tell me that they tried to contact me through call and voicemail multiple times and that I have to pay the full amount to collections. Why would I ignore voicemails from bankers trying to tell me my account that should of been closed has been being hit by {$150.00} of fees? Not only was XXXX XXXX incompetent and didnt know what he was doing, his branch manager was one of the most rude and disturbing people I have ever met. I really need to figure out how they can fix this without lying to me every time they speak to me. Im a hard working man and {$180.00} is a lot to me compared to a bank thats estimated to be worth XXXX XXXX dollars. It felt like I was being robbed. Every time they said they were gon na do the job I asked of them they lied. Especially claiming they called me and left me voicemails and sent me physical mail. I check my phone and mailbox everyday and I never saw anything until I open up my mail today and see a letter from the collection agency, so not even a Wells Fargo notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to get pre-approval for a home loan and when they run my credit Equifax is stating that I don't exist on their system. They have gotten XXXX  and XXXX   report the only one that's giving me trouble is Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XX/XX/2019 at XXXX XXXX  I received an e-mail from STERLING TALENT SOLUTIONS informing me they were a Consumer Reporting Agency, and they were reporting public record information to XXXX. 
At the top of the e-mail in bold it said : BACKGROUND SCREENING NOTICE. 

XXXX. XX/XX/2019 at XXXX XXXX  I receive an e-mail from XXXX writing in reference to the recently reviewed background check report provided by STERLING INFO SYSTEMS INC. XXXX gave me a link where I could review/verify the report. 
XXXX after reviewing the report decided to temporarily suspend my account and contact me to confirm the information on the report. XXXX asked me to review the report closely and if after reviewing the report, if I would like to clarify any information to contact Sterling Info Systems Inc. 
XXXX continued on by stating that the e-mail constitutes a pre-adverse action notice and a copy of my Rights under the Fair Credit Reporting Act could be found at a link they provided. In addition, WA State laws were made available at a link they provided as well. 
This ended the e-mail.
Product: Credit reporting

The inquiries were not listed on my credit report on XXXX XXXX when I just recently checked my credit report they were reinserted on my credit report in addition I was not notified 5 days prior to them being reinserted back on my report.
Product: Consumer Loan

My account number with Wells Fargo Dealer Services is XXXX. 
I have been late on paying my auto loan payment with Wells Fargo and when I look into my online Wells Fargo I see XXXX charges totaling {$210.00} that I clearly recognize and take full responsibility for. However, the issue is that starting XX/XX/XXXX whenever I call the rep will tell me my late charges are {$390.00}. I have attached an online statement showing the XXXX charges totaling {$210.00}. I have called many times and spoke to several representatives who have made requests to investigate the account but up to today XXXX XXXX at XXXX no results of these investigations have been communicated to me. I have talked to more than XXXX different people if I am not mistaking. Some were very patient and listened to me and showed they care and tried to help. However, XXXX ( ID XXXX ) and my account manager have been unpleasant. Especially my account manager, who I think does not even understand what the real issue is, would repeatedly tell me to go online and see the charges and that all the charges are valid. The first time we spoke ( 3 weeks ago or so ) over this issue he told me that the account was under investigation so he could not do anything about it. I asked him if had the authority to waive some of these fees so we can just put this issue to bed. He said he did not have that authority, I said fine. On Thursday XXXX XXXX I made a payment from my XXXX XXXX account for the {$210.00} which is what my online account is showing with dates and which is what I know is correct. On that same Thursday I requested the remaining charges ( $ XXXX {$210.00} ) be disputed because I do n't know where these are coming from nor would anyone explain to me where these charges were for. The Rep told me to call today ( Monday XXXX XXXX ). When I called they transferred me again to the account manager who was this time very rude. He told me that the account has been adjusted and that {$210.00} credit has been applied. and that there is nothing to discuss and that I should go online and figure it out. I told him that I actually made a {$210.00} payment and that I did not understand the adjustment he is talking about. I told him that this is the second time my account has been investigated and I still do not have any explanation for the remaining charges. And I requested the remaining fees be taken off my account until someone could provide me with a reason for these fees. He just went off and stating that I just wanted to create troubles and that all explanations have been given to me already. I asked if I could speak with anyone else and he told me nobody was available to speak to me and I asked his name and Id and he said he already gave it to me at the beginning of the conversation. I could not hear some of the last things he said but he just hanged up.