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

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

We have filed before and the Law firm dropped the foreclosure. They started it again we had to declare bankruptcy. Now they are trying to lift the stay. We found out new information on the loan. They have tried to foreclose 5 times. 2 of the times they filed unauthorized assignments so they could proceed to foreclosure, They do not have any proper assignments. The service does not have the servicing rights, they did at one time but they were replaced. There are other issues but they are foreclosing based on the 2 assignments. I will attach them. Our house is paid for, and XXXX and XXXX are trying to foreclose. They ignore all the laws that are in place to protect Homeowners property rights. XXXX XXXX XXXX ( the servicer ) cant even produce a signed note. I know for a fact, and I can prove that they lack standing. But I keep getting told that Judges don't want to hear about lack of standing. My main argument is still we paid for the house. Attached is a Loan Summary that will give a quick background. I think it will give you a good idea as to what is going on and if you think you can help us. I know we're just one family, but I think they are doing it to other families, and it is unfair, they bully and intimidate, and they have falsified documents to cover their deficiencies on the chain of title, payment histories, etc. One of their biggest arguments is that we signed, under duress mind you and with false information, modification agreements so it does not matter what we paid, and they do not have to give us a payment history back to the beginning of the loan. The loan was closed in XXXX and they only have a payment history back to XXXX. We have disputed the balance for years. The first Servicer did not give us credit for about {$52000.00} in payments. I have several pages of documents that I can provide but I thought I would give you an overview again to see if this is something you can help us with. XXXX has recorded assignments with the county using one of their Attorneys who claimed to be a certifying officer assigning the loan from one entity to another. He was not a Certifying Officer I can prove it. He did this so they could try to foreclose. They have tried to foreclose 5 times forcing us into agreements. Agreements they are now using to say we do not have the right to know the history of our Loan. We have all the payment support, and they ignore it. They have ignored it since XXXX. All we want is credit for all payments we have made. Payments that paid the loan in XXXX. We did not realize that it was paid off until recently, because we could never get a proper accounting of the loan. We spent weeks tracking down all the records for 15 years of transactions. We put it in a spreadsheet and found out it paid off even earlier than we had anticipated. We are tired of all the intimidation and legal twisting of the truth. We need help with the legal predatory behaviors of XXXX and their Client XXXX XXXX XXXX. I have decided to include a timeline of the loan I hope that is not too much for now. Thank You for your consideration. ( Its not every day someone tries to steal {$800000.00} from you ) XXXX and XXXX
Product: Checking or savings account

I have been restricted from accessing my TD Bank checking account and can not access my banking statements. I need bank statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Given the restrictions, I can not access my TD Bank online account, and TD Bank customer service will not send statements to me electronically.
Product: Debt collection

IQ Data contacted me ( XXXX XXXX XXXX on XX/XX/21 on a phone call to allow me to settle the debt I had with them which showed on my credit report as {$4600.00} ( IQ DATA stated that the principal was {$2600.00} on an email ) during the phone call they gave me the option to settle the debt for {$2300.00} and they stated that it would show as paid ( settled ) on my credit report and that I would not owe them any other amount. I agreed to the settlement and paid {$2300.00} with my debit card. I received an email stating the settlement, which said that I was released from any further liability regarding obligations to the original Creditor and IQ Data International. The e-mail showed that my due total was {$0.00} On XX/XX/21 I received a charge on my bank account from IQ Data for {$1800.00} I Called IQ Data ( they hung up on me several times before taking my call ). When someone finally took my call they ALREADY knew it was me XXXX XXXX XXXX XXXX without me even saying a word meaning they had my number on file. I spoke with XXXX and asked about the charge of {$1800.00}, XXXX said that I approved the amount of {$1800.00} on XX/XX/21 to " REMOVE '' the debt from my credit report instead of settling. I said that was not true and to refund me that amount because I had an e-mail receipt stating that I had settled the amount and I did not owe them any more money. XXXX refused to give me the refund and said I was lying, I asked for proof from IQ Data that I agreed to pay the {$1800.00}. XXXX said he didn't have to show me proof and hung up on me. As of today XXXX am still disputing the charge with my bank and my credit report still shows a balance owed to IQ Data International for {$2300.00}
Product: Checking or savings account

In early XXXX, I called Capital One about their high interest savings accounts, as I have been a customer with them for several years they were offering a promotion for increased interest rates. I called to see why my interest rates were low and my account had not been transferred over to the new high-yield savings account. They said that unfortunately, they can not make any changes to the account without letting the customer know and I questioned why they didnt send out any notifications to consumers about changes in interest rates. The customer service representative did not have an answer. They were able to transfer over my account to the new savings account and XX/XX/XXXXXXXX XXXX  They were not able to offer any remediation for the past interest rates beginning in XXXX
Product: Credit card or prepaid card

I validated a check with the Bank of America Money Network. The check was validated according to the money network guidelines. 

Then again as per the directions on the Bank of America Money Network, I took the check to my local Bank of America Branch. Both the money network check and the account card are emblazoned with the Bank of America logos. The money network site also features prominently the Bank of America logo and uses the bank of america domain name. This website states clearly that branches will cash these  money network checks. 

However when I took the check to my local branch on this was not the case. After requiring a counter signature and fingerprint, the teller and then the assistant manager and manager all informed me that they would not cash the check since I did not have a Bank of America account. 

In my confusion, I called the number on the Bank of America Money Network card. While on the call with the agent I was informed that the Bank of America branch had voided my Bank of America Money Network check, The agent then told me that the funds frozen for the check that was now void would be kept frozen for 10 days. Thereby freezing access to my funds as a direct result of their fraudulent claims. They still have not returned the funds to my account.
Product: Student loan

On XX/XX/2022 I called my loan servicer, EDFinancial to request a full refund. I spoke to a man from customer service and requested a refund for the full amount I had paid in the amount of {$10000.00}. He informed me that my refund would be processed but could not give me any date as to when it would be processed, when my new balance would be reflected in my account, or when I would actually receive the refund. He also told me there was no way he could even confirm that I had requested this refund- no email or mail confirmation, no code, etc. I would like some sort of confirmation to show how I requested this refund and some more information on when this will be processed. I find it extremely odd that EDFinancial doesnt have anyway to confirm a refund request for a client.
Product: Credit reporting or other personal consumer reports

This CFPB report is is being filed to request pursuant to FCRA that all 3 credit agencies block and remove all fraudulent accounts on my consumer fico report in 4 business days.These incorrect accounts are 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 Theses accounts resulted in hard inquiries, collections appearing on my consumer fico. I am including my Identity theft report as well. Under my rights within the FCRA rights I am asking to have these remove along with all hard inquiries. 

Please remove from all 3 credit reporting agencies in 4 business days.
Product: Debt collection

My name is XXXX XXXX ; I have had XXXX as my mobile number for about XXXX years. I do not know nor have I have been associated with someone named XXXX. HOWEVER, the debt collector -- Credence Resource Management -- has continued to call me for the past XXXX YEARS!!! I have informed the callers every time that they are calling a wrong number and have demanded that they not call me again. 

My number is on the XXXX list. 

There is absolutely no reason for this debt collector to call me.
Product: Debt collection

Debt collection account created by XXXX XXXX  ( XXXX  ) of XXXX, NC with Rent Recovery Solutions of XXXX, GA after funds had already been received. I, tenant, vacated premises. XXXX has admitted that they can not verify if any funds are still owned and have presented me a ledger ( attached ) showing no balance being owed. Still, a {$15000.00} collection has been attached to my credit report. The collection agency failed to notify me of collection to begin with, and additionally is leaving verification of the debt up to the XXXX. This is negatively impacting my credit score and my ability to establish new credit or secure housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and called all three credit agencies regarding the inquiries on my reports ... They have still not removed the unverified accounts ... 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be deleted immediately.

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$220.00} XXXX XXXX {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSWORLD SYSTEM INC placed a collection on my XXXX report illegally. The company has never contacted me or sent me a 30 day dispute letter. Furthermore I have never had any accounts with Transworld or the creditor XXXX XXXX that they have listed. This account does not belong to me and should not be on my credit report.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of eetoppel by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX balance {$XXXX}, XXXX bank balance {$XXXX}, XXXX XXXX {$XXXX}, XXXX XXXX collections balance {$XXXX}, XXXX funding collections balance {$XXXX}, XXXX collections balance {$XXXX}.
Product: Credit card or prepaid card

after speaking with legal counsel i found that navy federal navy credit union is in violation of TILA failure to disclose to me about my open ended consumer plan 12 CFR 1026.5 and the finance charge the sum of all charges pursuant to 12 CFR 226.4. Navy federal fail to XXXX out my account monthly. Already sent in a billing error affidavit of truth 12 CFR 1026.13 which was sent certified mail with a green return receipt.

am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in IRS Publication 583. To verify such alleged amounts, I want to see both journal and credits of the account and ledger and debits of the account to verify the current accounting and taxes associated with this account. 
information need to be provided to see who funded this account. banks can not lend its credit or its money. 

EMBEZZLEMENT, THEFT BY DECEPTION & EXTORTION FAILING TO DISCHARGE ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHAP. 48,49. JUNE 5, 6,1933, HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 ON JUNE 5, 1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE.THIS RESOLUTION DECLARED THAT WHEREAS THE HOLDING OR DEALING IN GOLD AFFECT THE PUBLIC INTEREST, AND ARE THEREFOR SUBJECT TO PROPER REGULATION AND RESTRICTION ; AND WHEREAS THE EXISTING EMERGENCY HAS DISCLOSED THAT PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY ARE INCONSISTENT WITH THE DECLARED POLICY OF CONGRESS..IN THE PAYMENT OF THE DEBT. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY, OR IN AN AMOUNT IN MONEY POLICY ; AND EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS.
Product: Credit card

This issue its already been for 3 months already and my feet got injury and someone harassing me by calling me everyday even I block his number ; bank doesnt help me to let me us my own belongs without telling me anything. I dont understand no one tell me anything about what happened, and they play metal games, I receive so many suspicious mails and I dont know which one is the real which one is not ; who is the real agent and who is the fake. I may going end up in mental health, I dont even know what did I do, I just told the person to stop and he just threatening me and show the XXXX in his profile picture and he keep calling me and never stop, I dont know why he is still here bothering me since I report long time ago. I dont know why being discriminated about what I had been report but never get responds and I dont know why I have to take the mental and physical abuse, and stop me to work and I cant use my saving. Thats not right
Product: Mortgage

Dear SPS, In your reply on XXXX XXXX you stated : Taxes In the inquiries, you questioned the disbursement of your property taxes. SPS disbursed taxes in the amount of {$2700.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Since I checked with the county assessor that you had not paid the property tax on a timely basis, to avoid penalties, I went ahead and paid {$2700.00} on XXXX. According to the XXXX XXXX XXXX collector, SPS paid this tax again on XX/XX/XXXX! 
SPS was not truthful in their statement about payment on XXXX and their payment is being refunded to them as the second payment. 
How can I trust SPS if they continue to deceive me?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2600.00}
Product: Credit card or prepaid card

subject : credit card would not help me with stopping a recurring charges of a scrupulous merchant. 
1 ) monthly charges of {$10.00} is being charged to my account and yet the credit card company keeps letting the merchant charged my account ; 2 ) even if i change the credit card number, the merchant will still be able to charge my account monthly ; 3 ) no matter how many times i called and no matter if i showed them the cancellation form that i got from the merchant ; my credit card would not help 4 ) this has been happening for the last 8 months.
Product: Money transfer, virtual currency, or money service

around XXXX, XXXX of last year I was scammed by a company that used coinbase as their main way of money transfer. I transferred around {$70000.00} to this online investment company named XXXX XXXX. I had advised coinbase of the situation, how it affected me financially and psychologically, but nothing has been done.
Product: Credit reporting

I have sent several letter to all three reporting agencies asking them to show proof of my signature or that the account is mine and they have not shown proof. never late. delete
Product: Checking or savings account

Im writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initial available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered unauthorized inquiries listed, which have negatively impacted my ability to apply for new credit. I request that the following inquiries be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I called Loanme to make a payment because my bank had returned a payment for NSF due to the teller put my money in my savings account instead of my checking account. I spoke to a lady at the company and told her what had happened. She said she would check to see if the payment had been put though for the second time and if so, I would have to make another payment. She put me on hold for few minutes and when she returned she stated that it had been though two times. After, she told me I need to make a payment over the phone which I did. On XX/XX/XXXX, they took out another payment. I called them about the second payment requesting they return my money since I had other bills to pay. After talking to several people, I was told that I needed to send a print out from my bank showing that the payment was taken out. I did so and called the company the next day to see if they got it. I also inquired as to when they would the put the money back in my account. I was put on hold, then a lady came on the phone and said that they had received the print out and that my money would be put back in my account within the next 24 to 48 hours. After 48 hours had passed I called them again because my money had not been put back into my account. This time I was told that they couldn't use the the print out they needed a Bank statement. My bank statement will not come out until XXXX therefore, they are keeping my money. This has put a hardship on me as I can not afford to pay them twice in one month.