23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This Complaint should be taken in conjunction with Complaint # XXXX. 

This debt collection law firm- Gross Polowy- violated the FDCPA multiple times over the course of the past few years during litigation of a foreclosure matter they were asked to handle on behalf of their client, XXXX ( the subject of the above-referenced complaint # ) During the course of the litigation, multiple associates of the firm filed pleadings containing their own affidavits, of affidavits of others containing allegations they knew to be untrue OR, alternatively, were filed with a reckless disregard for the truth of the matters asserted. 

The firm filed a foreclosure action alleging I did not pay the XXXX, 2019 mortgage payment. What the firm did not tell the court was that they had express knowledge that I had tried to pay the mortgage in a timely manner, but that their client, XXXX, refused to talk to me about the mortgage and refused to take my money when I called to pay. When this firm filed a foreclosure action they knew -- shortly after my Answer was filed -- tht the lawsuit was not being maintained in good faith. They had an obligation to ensure that what I alleged in my defense - that XXXX would not accept my payments- was true. If the firm had, in fact, conducted a review of the evidence before or during the litigation, the firm would have possession of evidence ( in the form of the telephone recordings ) that they continued the litigation in bad faith. I do not believe it is a defense to claim they didn't know and simply bury their heads in the sand in order to avoid looking at evidence. 

For reasons unknown to me, the judge in the case refused to force XXXX to respond to discovery requests, thus allowing XXXX and Gross Polowy to keep secret that the whole case against me was a fraud from the start. The house was sold at foreclosure already, but it's important for this agency to know what this collection law firm was willing to do in order to " win '' for their client.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I went to apply for a loan to help my mom out during this pandemic and I was denied. I have bank with this bank since I was XXXX and have the score the get the loan. Even my banker was confused because I have an auto loan with them and a home loan. I went and took a look at my credit and see so many accounts on there that are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these accounts and inquiries from my credit that are not mine XXXX XXXX XXXX. XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. The inquiries that are not mine 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
Product: Checking or savings account

On Friday XX/XX/XXXX I went to the Bank of America Financial Center located at XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX to make a deposit to my Savings account. I was making one deposit that consisted of {$11000.00} in cash and a check for {$690.00} ( for a total deposit of {$12000.00} ). My receipt shows a total deposit of {$12000.00}, my deposit slip online shows a total of {$12000.00}. 

The next day Bank of America posted an " Adjustment/Correction Of Posted Item '', debiting my savings account by {$350.00}. After reviewing all of my documentation, there is absolutely no reason for them to have taken this money out of my account. After repeated calls to customer support, the individual branch, and the Fraud department, Bank of America still can not tell me why they have taken {$350.00} out of my savings account. I had a Fraud Claim opened up as well as a request to fix this mistake and Bank of America is doing absolutely nothing to resolve this. I need this {$350.00} debited back to my account.
Product: Debt collection

Complaint, QWR, DVR and demand for disclosure under TILA who is the owner of the obligation who paid value for the debt. 
I demand respond from the human being, not from artificial intelligence programmed by Fidelity National Financial , Inc. FNF XXXX XXXX XXXX XXXX who sends me illegal and perhaps criminal runaround in response to my complaints On XXXX XXXX FNFs XXXX generated an official Tax statement where XXXX  XXXX said that my alleged principal is {$120000.00} and during XXXX XXXX XXXX XXXXXXXX {$0.00} paid for property taxes. 

In XXXX XXXX billing statements my alleged principal is {$14.00}, XXXX and {$230.00} was paid for property taxes and insurance. The actual escrow payment is {$91.00} .75 This tax statement did not mentioned over {$350000.00} profits generated from servicing advances paid by unknown to me parties and received to unknown to me parties although these profits must be applied to my alleged principal I demand to provide me direct contact information for the accountant/ bookkeeper who is responsible for this tax statement and who has personal knowledge about all transactions and amounts allegedly due as well as about {$350000.00} profits from servicing advances between XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and wrote the credit bureaus the past 3 months for help with the inaccurate information being reported on my credit. The credit bureaus failed to comply with the investigation request in timely matter. I have attached proof, please help me get them to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to the bureaus and have received no correspondence. I have serious inaccurate items on my file that need to be removed. I have sent letters and received no letters, no calls, and no results. Please fix the items.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I sent from my digital wallet a cryptocurrency named compound ether to my coinbase exchange wallet in the amount of XXXX XXXX ( valued over XXXX usd at the time ) so I could withdrawl. I waited over an hour and it never showed up in my coinbase exchange wallet. That same day I emailed coinbase and explained my problem and email after email all the responses were That cryptocurrency is not supported on coinbase and that my tokens are lost and they kept referring me to the user agreement with language basically saying its my fault. But the transaction went through and it is on the digital ledger and they wont help me and they will not return the currency from its origin. Its not right that a transaction can go through without warnings saying your tokens maybe lost and coinbase refuses to help or send back the coin that is basically stuck in limbo on thier servers. Please help, Ive been on many XXXX pages with numerous customers that endured the same hardship that I am currently going through.
Product: Debt collection

I moved from XXXX to XXXX  and a debt collector is trying to sue me in XXXX  for the XXXX  debt that's time barred in XXXX. Also I have never had a credit account with the amount they say I owe. When I contacted them I asked for proof of the debt and they won't provide it. 
I'm providing the appeal court case number in XXXX  XXXX
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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 ) ( a ) 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. Delete the accounts below : Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/XXXX, TransUnion. Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/XXXX, TransUnion. Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/XXXX, TransUnion. Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/XXXX, TransUnion.
Product: Credit reporting or other personal consumer reports

As you are aware, as stated in XXXX ID : XXXX, I am a victim of the XXXX XXXX with Equifax. I have notified Equifax of this matter and sent required statements, identification, and documentation for their XXXX to remedy this issue. The allotted XXXX XXXX  they had to block and delete this information has surpassed. I received notice from CFPB that the company received necessary documents on XX/XX/year> ; it is now XX/XX/year> and I have not received equitable relief as the identified fraudulent items are still being reported against my person. Please assist me in following up on this issue by enforcing the consumer reporting agency to block and DELETE these items from my consumer report. Once Equifax takes proper equitable action by completing my request, I would like an updated copy of my credit report sent to me via mail. Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed some fraudulent activity. Please remove these accounts from my report they are damaging my credibility and livelihood.please remove these accounts Immediately! I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). 
XXXX XXXX XXXX Amount XXXX opened XX/XX/year> XXXX XXXX XXXX XXXX Account number XXXX amount XXXX opened XX/XX/year> XXXX XXXX XXXX XXXX amount XXXX opened XXXX XXXX XXXX XXXX XXXX amount XXXX opened XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX loans are being reported on Equifax and XXXX with one erroneous 90- day late payment in XXXX XXXX  ; there are no prior late reporting and my loans were in deferment at the time. I have tried on numerous occasions to dispute the items on my credit report, but there is no change to the reporting that addresses this specific issue. The loans are all broke down separately, so it shows as 19 separate 90 day late payments.
Product: Debt collection

I did not give prior written consent to have anything furnished on my credit report, reported below. No consent is fraud pursuant to 15 US Code 1681b Permissible purpose of consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Florida law ( I have enclosed the statues that state this as attachments. ) a debt collector can not collect a debt from a Florida resident unless the debt collector is Licensed in the State of Florida. This applies to out of state collection agencies. ( Refer to attachments ) as well as in state agencies. XXXX XXXX XXXX is not licensed in the state of Florida to collect debts in Florida. The statues are very clear and can be researched further if need. XXXX  is allowing XXXX XXXX XXXX XXXX to try to collect and unlawful debt. This law does not apply to original creditors. Since XXXX XXXX is not the original creditor this law applies to them. I have filed a complaint with the Florida Attorney Generals office. I have also filed a complaint against XXXX  with the CA Attorney generals office for allowing XXXX XXXX XXXX to engage in illegal activity by trying to collect on a debt illegally. I filed a complaint with the GA attorney Generals office on XXXX for the same thing, I also filed a complaint with the IL Attorney Generals office against Transunion for the same issue. Unless XXXX XXXX XXXX XXXX can produce proof that they are licensed in the state of Florida to collect a debt from a Florida resident then they are engaging in fraudulent activity and XXXX, Transunion and XXXX  are complacent in this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX Date Last XXXX Last Reported : XX/XX/2022 Cease and desist This account does not belong to me nor do I have any knowledge of this account This account does not reflect on any of my other credit bureau reports if need be will seek legal action In case my personal information has been compromised and fraudulently used, I am formally requesting any document authorizing use of my identity or information.
Product: Checking or savings account

Hi, I have tried to dispute several transactions with Wisely, and they have not bothered to look into the issue. They responded via XXXX and mentioned they needed to know which transactions needed disputing, and I gave that info, and the amount in that message, but they still have not disputed it, and mentioned that I would have to go through the trouble of calling. They in the past have been the toughest company to dispute orders with for some reason. They were able to see on my account that I contacted them through chat agents to try to dispute, and they said that calling is the only way, and I am currently in a tough position to be able to make any calls at the moment. They have ignored emails I have sent them, and appear to once again not want to issue the full refund for XXXXive items totaling {$65.00}. If Wisely was able to get into my account and see my chat history with their agents, then it would seem they should be able to also see my transactions from XXXX. XXXX wrongfully closed my account, and after seeing they have lied about several different things, I decided trying to communicate through them would be more of a headache. It has been over a month and Wisely has done nothing to help me. 3 of the five items received from XXXX were defective, and since the account was closed, I have no way to send the items back for a refund. I believe I was sent defective items on purpose. Then the last two items never showed up, which means they stole money from me because I paid for those items and never received them. The transactions that I told Wisely about via XXXX  were XX/XX/XXXX XXXX - {$8.00} XX/XX/XXXX XXXX - {$8.00} XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX - {$21.00} XX/XX/XXXX XXXX XXXX XXXX - {$19.00}. This company does not seem to want to help me
Product: Credit reporting or other personal consumer reports

This account is under litigation. The balance is incorrect and I need it removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered that XXXX XXXX XXXX has furnished some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to XXXX XXXX XXXX torelease myinformation toathirdparty.

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX XXXX XXXX, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Student loan

I filed a complaint against Firstmark services regarding my private student loans earlier this year. In effect, they did absolutely nothing to help me with loan repayment. The only change has been an increase in my monthly payments. If this continues, I will have to start choosing between eating and making timely loan payments. Furthermore, since Firstmark took over my loans in 2022, my total balance has decreased by less than {$1000.00}. The majority of my monthly payments is applied to interest. This can be seen in my payment history attachment ( I redacted personal details ). Right now, I bring home less than {$45000.00} annually ; I live paycheck to paycheck. The company 's initial response to me was tone deaf, at best. Something must be done about the predatory nature of private student loans.
Product: Debt collection

unlawful credit card claims made by American Express for passing business credit cards ending in XXXX and XXXX. I requested evidence of credit cards being personal credit cards and taken into my name with consumer credit card applications and consumer credit card agreements, non was produced. Instead piles of credit card statements were sent that proved American Express engaged in Unfair Debt Collection practices in violation of the Federal Fair Debt Collection Act and New York State Fair Debt Collection Practices law. The piles of statements show that the credit cards were XXXX XXXX a business credit card for businesses with large cash flow an Simple Business Cash Card issued to XXXX XXXX XXXX XXXX, a C corporation and XXXX XXXX XXXX. 

American Express own credit card statements are proof that the credit cards are business credit cards and not personal credit cards. Additionally a doctored letter with a XXXX date was sent as somehow it is a debt validation letter when debt validation can only be done by actual signed consumer credit card application application and consumer credit card agreement and not a disgraceful doctored letter with a XXXX date about card ending in XXXX referencing credit card agreement when card ending in XXXX was issued in XXXX, four years earlier. 

I have attached these proofs to show American Express unlawful conduct.
Product: Credit reporting or other personal consumer reports

Experian does not properly investigate disputes and fail to remove or correct errors on my credit report threatening consumers access to credit employment and housing. 

I am a victim of identity theft. Experian and XXXX credit company are reporting these collections to my account that I have no knowledge of, which is not under FCRA compliance This is inaccurate reporting and needs to be removed immediately as these debts do not belong to me fyi.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of several unauthorized inquiries from my credit report. Due to a recent data breach, I have become a victim of identity theft, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these items removed from my report. 
The inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my authorization, and I am requesting their immediate removal.
Product: Debt collection

I was offered a resolution offer from Radius global solutions of {$200.00}, it would have been three payments of approximately {$68.00} dollars each payment. I needed to accept that resolution offer by XX/XX/year>, a family friend paid my first payment of {$68.00} on XX/XX/year> with his debit card online, below I enclosed the receipt. I requested in writing on XX/XX/year> that the next two payments be sent to my home address on file and I was going to send in money order for the last two payments. I also informed them not to charge my family friends debit card going forward that it was only a one time payment to enter in the resolution offer contract. I received a response from radius global solution office on XX/XX/year> stating that they were going to charge the debit card going forward each month, they also did not have the correct amount which was the previous resolution offer of {$200.00}, in which I enter into and excepted their offer. On XX/XX/year> I called a spoke with a representative and explain to her that the debit card on file is not my debit card it was a family friends and not to charge it going forward but to send the last two payments to my address so I can pay by money order I was told it was taken care of and would not be charge. On XX/XX/year> my family friend said he was charged for the second payment. I am no longer friends with this person becasue of their mistake and confusion. This and the creditor breaching their contract offer has caused a lot of stress and XXXX. I have enclosed below the formal letter I have sent to the creditor and my remedy request based on them breaching the agreed upon resolution offer. They violated the fair credit act in several areas. I look forward to getting this situation remedy as I requested. I also would like them to cancel this account and take it off of my credit report. Ucc1-308 without prejudice XXXX XXXX
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts, and I have no knowledge of their origin. In compliance with USC XXXX, I am requesting their removal within XXXX days. Attached are the relevant documents for your review and reference.
Product: Bank account or service

Citi Bank was running a promotion where you could earn XXXX of their thankyou points after opening a citigold checking account and meeting a couple of requirements. I talked with a citi employee, XXXX, to see if I qualified for this promotion before opening it. I was told that, in fact, I was on XX/XX/XXXX. 2 months later I was told by a different citi employee that I had met the requirements and my points would post XX/XX/XXXX. When they did n't post I contacted a citi representative who opened an investigation. This investigation concluded that I did n't qualify for the promotion and would not receive any bonus points. I called to explain to a manager that one of their employees had confirmed I was qualified and asked why I was told this if it was n't true. A new investigation was opened which ended with the same exact document being sent to me on XX/XX/XXXX saying I was n't qualified. During this time I have been charged the monthly service fee of {$30.00} even though my points have not been given to me as promised.