23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6801 - Protection of nonpublic personal information Also, because I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume, that no proof of the alleged debt, nor any such debt in fact, therefore exists XXXX XXXX and LexisNexis continue to report wrong and fraudulent items on my report and they will not remove these items ... XXXX has removed these items but not these XXXX bureaus... 

XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX {$800.00} XXXX XXXX {$1000.00} Plus 1 inquiry from XXXX XXXX XXXX 's {$1600.00} XXXX XXXX {$800.00} Plus 10 inquiries over the last 3months and beyond
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to file a complaint against Metallicus Inc. ( operating as Metal Pay ) for their failure to fulfill my personal data request, possible fraudulent claims regarding their compliance with privacy regulations, and misrepresentation of their status not only to me but also to the state Attorney General 's office. I believe that these actions warrant investigation by the Consumer Financial Protection Bureau ( CFPB ) to ensure that the company is held accountable for any wrongdoing and that consumers ' rights are protected.

My concerns with Metallicus Inc. began when I submitted a request for information on XX/XX/XXXX. The company initially informed me that they would review and process my request within 30 days. However, they later extended this deadline to 90 days, citing the complexity of my request. Despite this assurance, I did not receive any further communication from the company until I followed up on XX/XX/XXXX. 

In response to my follow-up, the company asked me to verify my identity, even though I had already done so, and my request had been acknowledged as being in progress. The company then closed my ticket without resolving the issue. I subsequently opened a new ticket, and the company informed me that they were not subject to the California Consumer Privacy Act ( CCPA ) or the California Consumer Rights Act ( CCRA ) based on applicability rules. 

I believe that this claim is likely fraudulent, as it is highly improbable that Metallicus Inc. does not meet the revenue threshold for CCPA compliance. The company received a XXXX loan of {$1.00} XXXX, which suggests that their annual payroll alone is estimated at {$4.00} XXXX. This information indicates that their total revenue is likely to be significantly higher, making it implausible that they do not meet the CCPA and CCRA criteria. 

Furthermore, the company has not only misrepresented their status to me but also to the state Attorney General 's office in response to my complaint filed with them. This blatant misrepresentation is deeply concerning and requires thorough investigation. 

In light of these concerns, I am requesting that the CFPB investigate Metallicus Inc. for the following potential violations : Failure to fulfill a personal data request, which may indicate non-compliance with privacy and consumer protection regulations. 
Possible fraudulent claims regarding their exemption from privacy regulations, specifically the CCPA and CCRA.

Misrepresentation of their status to both consumers and government agencies, including the state Attorney General 's office.

Any other potential violations of consumer protection laws or regulations that may arise during the course of your investigation.

I have also filed complaints with my state 's Attorney General 's office and the Federal Trade Commission ( FTC ). I kindly request that you keep me informed of any developments in this case and advise me of any additional steps I may need to take. I appreciate your attention to this matter and look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my reports for accuracy and I see an account for XXXX XXXX. I paid this debt in full and it has been removed from XXXX and it is supposed to be removed from all XXXX  credit bureaus as well.
Product: Credit reporting or other personal consumer reports

Service Finance Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed one billing errors under 15 U.S. Code 1666 ( b ) billing error Since XXXX XXXX I had been trying to reach out to the company but the customer service is not existent, they can not refer with the credit department and they blackmail me asking for a payment of US {$20000.00} for this account would be the only way they will delete this late payment. I requested a follow up of their investigation for the validation of this error, and they did not provide any information.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

Service Finance is reporting a late payment on the account No. XXXX this was a problem with their autopay system, while I was outside XXXX  . This company has hundreds of terrible reviews due to the same issue. Read the reviews : XXXX XXXX XXXX XXXX XXXX XXXXXXXX As I know Service Finance didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the Service Finance 's bank account that i didn't pay and was marked late because this clearly a billing error. 

The account below should be updated to paid as agreed on my consumer report : Account XXXX. XXXX
Product: Mortgage

ATTACHING THE WRITTEN COMPLAINT AS SUBMITTED TO THE STATE OF XXXX DEPT OF PROFESSIONAL AND FINANCIAL REGULATION. WE WERE INFORMED THAT BECAUSE TD BANK IS A FEDERAL BANK, THEY DO NOT HANDLE THIS AND REFERRED US TO YOU. XXXX XXXX MANAGER OF TD BANK, XXXX XXXX ASSURED ME THE LOCK IN RATE WOULD BE REBATED TO US, BUT TO DATE, NO CHECK AND UNABLE TO FIND OUT HOW TO CONTACT XXXX XXXX THE MANAGER OF MORTGAGES IN THE MAIN OFFICE IN XXXX.
Product: Debt collection

I didnt receive any notification or verification they told me they didnt even have the information on me to verify its me debt
Product: Credit reporting, credit repair services, or other personal consumer reports

During A Check of My XXXX Credit Report On XXXX I Discovered Information On My Report That Is Fraudulent, Incorrect, and/or Erroneous. XXXX  Report Number : XXXX, XXXX  Credit Report, And XXXX Credit Reports Dated XXXX Show That I have A Debt with SEQUIUM ASSET SOLUTIONS AKA Sequastsol AKAFOCUS RECEIVABLES MANAGEMENT. I have never had any account with this company or any of its Listed Affiliates. I have tried unsuccessfully to resolve this Fraudulent, incorrect, misleading, and damaging information from my Credit report. I am trying to avoid having to file Legal action against the Companies and reporters of the Fraudulent, and/or Erroneous Information, for causing damage to my report and reputation.
Product: Money transfer, virtual currency, or money service

After my account was frozen due to some fraudulent activity, I changed my password ( both on my Venmo account and my associated email address ) and removed all unknown devices linked to my profile. I sent a follow up email and only got an email reply with a bunch of unhelpful articles from them that all basically advised to " Refer to the email we sent you for further instructions, '' but guess what's NOT in any of those articles ... yep, no " further instructions '' outside of what I'd already done. When I tried to call and spoke with someone I was told that the case had been escalated to another department that would reach out to me " within 5-7 business days, '' when I've already been waiting for a resolution for almost a week. The agent escalated the case and stated " HOPEFULLY an agent in that dept. will email you sooner than the 5-7 days. '' I requested to speak with someone in that dept. but was told that they " don't have phones '' and " only communicate via email. '' I've worked at enough call centers in my life to know that that's a lie. There's no way that there's not SOMEONE there that I can speak to that can resolve the issue whether in the dept supposedly handling my case or a manager. I currently work three jobs in order to make ends meet and one of them pays via Venmo, so I can't receive what's owed to me currently ( to pay my bills ) until this is resolved .... god knows when that will happen. If I had another option of getting paid by that employer, you better believe I'd already have done it.
Product: Checking or savings account

I received a batch of 6 emails from Wells Fargo about a new account being opened under my name, checking. I did contact Wells Fargo about this and Wells Fargo did flag the account and is investigating. Wells Fargo advised me to contact my bank and any other financial entities ( brokerages, etc. ) to provide a alert on this issue. My bank, XXXX in XXXX Ohio also advised me to contact the Social Security Administration . The fraud reporting process at SSA directed me to this site/location.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my mortgage and Guild Mortgage still reported it 30 days late. I paid after hours but on the date. I showed them proof and everything and they still haven't fixed it. I want them to update that payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  account was closed in XX/XX/XXXX they are reporting that I just opened the account in XX/XX/XXXX. Called collectors they informed me they are reporting it that way because that is when they obtained the debt and thats unfair. XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/21 I placed an order with a vendor who failed to deliver and would not respond to my requests for a refund. I escalated to my credit card company, Citi online and via phone but their systems would not accept my dispute request. I tried multiple times online and was later told by a representative that their dispute system was " offline for maintenance '' and to try again in a few business days it has now been more than three business days that this " system '' was down.

Considering the fraud-prevention and control role a dispute system holds, a multi-day outage at major bank is both unacceptable and worrisome. There should be alternate methods to process this dispute manually and a more robust control environment to protect client funds.
Product: Debt collection

Contacted ERC about questionable debt Was told it was with XXXX XXXX XXXX XXXX From over a year ago Then was told it was from a bill in XXXX Called XXXX XXXX XXXX agent went over payment history for the last year Their records showed no missed payments
Product: Debt collection

Navient called me several times In reference of a student loan debt that is not mine and I dont know nothing about it but they keep calling me
Product: Checking or savings account

I woke up on XXXX XXXX  and looked in my wallet to realize my Wells Fargo card was missing I do not know when I lost it because I dont physically use my debit card so I have no idea who stole it or when they did it is not lost because I checked every where someone would of had to steal it because I dont take out my wallet and I dont live with anyone or are around any people unless in public. So I logged in and checked my account and saw that {$410.00} was missing from my account in XXXX XXXX deposits linked to a XXXX XXXX  named XXXX so someone trying to impersonate me because once again I have never had an XXXX XXXX  and still dont till this day and never will I would have typed my full name. And I do not own XXXX XXXX I have XXXX XXXX. So I immediately knew they were fraudulent because and reported them and called Wells Fargo. On the phone the lady ordered me a new card and told me there would be an investigation on my account for a fraud claim and would notify me in in XXXX business days with a decision. Fast forward 14 days later I check to see whats taking so long because they said they would notify me. I checked on my fraud through the app wich they did not tell me on the phone and saw that my claim was closed the same day. That makes no sense because the banks are closed on weekends and holidays and it was XXXX  so my claim was probably closed by the person on the phone and she did not tell me or notify me at all I was waiting 14 days for a response so much time wasted. I couldnt feed my self put gas in my car or get to work because I had no money and Wells Fargo did nothing to help so I am now today reporting this incident because I do not know what else to do that was all my money. And also it says dispute reason is that I didnt remember making this transaction I never said that on the phone I told her specifically I did not make this transactionshe typed I did not remember making this transaction or that my card was lost or stolen she took no effort on my claim and just pushed it to the side. The claim number is # XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Sunrise Credit Serv Address : XXXX, NY XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX, XXXX Ga XXXX Dear Credit Sunrise Credit Serv : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : DEPT OF EDUCATIONXXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3800.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3800.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00} ; DEPT OF EDUCATION/XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$2300.00} ; DEPT OF EDUCATION/XXXX XXXX Date opened : XX/XX/XXXX Balance : {$6900.00} ; XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX XXXX XXXX {$110.00} ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX on XX/XX/XXXX.
Product: Checking or savings account

I would like to start by stating I am home bound and unable to leave my home. I opened an account with Wells Fargo online. I received the debit card but never received the pin. I lost online access and based on their system I need the debit card pin to regain online access. I called on 4 seperate occassions about getting a debit card pin sent to me. Each time I was told a pin was sent and resent to me please allow 7 business days for delivery. I waited patiently and it never showed up. Finally on the 5th phone call I was told I needed to confirm a pin sent to my cell phone but the system would not allow the pin to be sent at the time. I called two more times and eah time informed the system is down. Meanwhile U dont have the access I need to my money. Not to mention after telling them each and everytime I was home bound and couldnt go into the branch I was repeatedly told I need to make a way to get there. Wells Fargo is insentive to customers with problems. Finally I decided to close the account and was told the system would not allow it to be closed. Today I was finally transferred to the executive office and instructed the account cant be closed and they cant send me a cashiers check and try to coordinate something with a local branch. Mind you I am homebound. This has been an ongoing situation for at least 6 months and meanwhile fees and being deducted from this account each month for non activity.
Product: Credit card or prepaid card

Ive filed a claim and they keep siding with the merchant even though they have no proof for why they charged me and the credit card company keeps transferring me to other departments when I try to call and handle the situation because I definitely did not authorize these charges and would like my money back
Product: Credit reporting or other personal consumer reports

There are inquiries that I didnt authorize on my credit report. 

XXXX Miscellaneous Finance XX/XX/2023 XXXX XXXX XXXXXXXX Personal Loan Companies XX/XX/2023 XXXX Miscellaneous Finance XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENITY THEFT. I SENT INTHE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX   CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPLEN BY THE THEFT AND NOT ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : REQUEST FOR REMOVAL OF INQUIRIES To Whom It May Concern : Section 609 [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], there should be no charge for this information.

Please remove the following inquiries from my report I have no knowledge of these companies. XXXX XXXX  TRANSUNION XXXX XXXX XXXX VIA XXXXTRANSUNION XXXX TRANSUNION CONSUMER 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 TRANSUNION CONSUMER XXXX TRANSUNION XXXX / XXXX XXXX XXXX TRANSUNION XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely, XXXX XXXX
Product: Mortgage

On or about XX/XX/XXXX I received a notice of default from Bank of America. I immediately began contacting their loss mitigation department. My call were all routed to a voice mail of XXXX XXXX. I left an upwards of 75 voice mails for XXXX XXXX over 45 days without any contact back from her. In early XX/XX/XXXX I received a loss mitigation application from BOA. I promptly completed it and faxed it to them on XX/XX/XXXX which is 54 days before my initial sale date. On or about XX/XX/XXXX I received a rule 120 summons from their counsel XXXX XXXX XXXX XXXX XXXX. The attorneys were XXXX XXXX and XXXX XXXX. I immediately let them know that I was seeking loss mitigation and they stated they have no way of contacting their client to let them know that. I forwarded them the application as well so that all was informed of my intentions. The summons from the law firm was received on XX/XX/XXXX and required an answer be filed on XX/XX/XXXX which in itself was impossible. I continued to communicate with the law firm as could n't get anyone from BOA to speak with me. Finally on XX/XX/XXXX I received a voice mail from a new single point of Contact XXXX XXXX. I promptly called her back but we have yet to speak as of the date of this complaint. On XXXXXX/XX/XXXX i received written confirmation that they received my application and would not proceed with a foreclosure sale and if any other documents were needed they would provide a date in which I would need to get those to them. 
Fast forward they are proceeding with a foreclosure sale and have provided no date in which I must get them the items. They are dual tracking my mortgage and colluding with XXXX XXXX XXXX to foreclose my mortgage. I beg the CFPB to intervene and assist in helping me. I had my application to them 54 days in advance of the sale date and statute only requires 37 days. Furthermore they confirmed in writing they received it and are failing to honor their written committment to me.
Product: Credit card or prepaid card

I called Direct Express to order a card. 

On hold over 3 hours and an agent answered. I said a needed a card. She said she needed to transfer me to another agent. Hours more on hold and no answer. It's been going on for days. 

Can, should I even trust them?
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. 

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 XXXXXX/XX/year> 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: Credit reporting or other personal consumer reports

This are unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX