23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

sent a certified letter for a request for validation. Gave the company 30 days from the date they received the letter. They failed to validate a debt at my request, which is a FDCPA violation. They ignored my prior request for validation. 
" Estoppel by Silence '' legally means that they had a duty to speak but failed to do so. I will use the Estoppel in my defense. 
They ignored my request for validation of debt.
Product: Checking or savings account

In XXXX  my check was direct deposited into my Wells Fargo account, I paid my bills as usual and the next day my check was gone as if it was never there and I had a ton of over draft fees and the bank would never acknowledge that anything happened. I still to this day call them about it because with my check going missing and the over draft fees it ended up being about {$1000.00} gone. I was without a paycheck for over a month having to pay back the fees that they charged me. I contacted my work as well which confirmed my check was deposited to the same bank account that it was always deposited in for months. It was like the bank took my check and put it elsewhere after it was already there confirmed by online banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a Third Party. I am requesting that the following accounts be removed. These are fraud, I didnt benefit, apply for, and authorize these accounts. 
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX   XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX N is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Experian and XXXX   credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This company was given to me by a broker to purchase a property. they approved me in XX/XX/2018 and still havent done the loan after I paid them XXXX for down payment and fees. Since they didnt fund the money i lost the sale of the property in XX/XX/2018. I gave them down payment money and money for all kinds of fees in the tune of XXXX, XXXX XXXX ,XXXX and more. I wired the money to an acct and was promised after the last fee i would get funded. 

But every time i came thru with the money they came up with another fee. Then in XXXX the EVP and CEO said no more fees after I pay this last one i would be funded. and guess what they asked for another fee from the investors. A commitment fee of XXXX. That was it, I was done, Now they wont give me my money back and are telling me I will only get back 53 % which is {$68000.00} and they are keeping XXXX and for what. and I wouldnt get it back for 6 months. Now i never was given a fee schedule upfront, nor was i told about any extra fees only a down payment in which I paid. 

I didnt get the loan and tried to cancel many times when they kept coming up with fees and all they would say is lets work together to get this money. I will help you. So they said they had people putting in money to help me and when i had the last part of XXXX in XXXX, i was told they gave some money back so i owe more. this was a total lie and scam. Theyhave made up so many fees and lies and I asked many times for this in writing and I never got it. And the CEO said no more fees and they did one more fee. Everytime i heard this actually 8 times. I have all the emails and text for the past 10 months that i can provide to you.
Product: Credit card or prepaid card

I get sometimes XXXX calls a day from a company who states they are from Amazon, advising me someone from Ohio made a {$720.00} purchase on my Amazon card. When I advise them I did not make any purchase they state I have to go to some website to cancel the transaction, or else the transaction will be approved. This is an obvious scam since every time someone calls with the same message it's a different phone number. one of the most recent was XXXX and the caller ID showed XXXX XXXX Rental. One of the calls the ID was XXXX XXXX. I have spoken to a representative and asked them to stop calling but the calls continue. 

XXXX XXXX
Product: Checking or savings account

My personal cash app was frozen due to a XXXX  lien placed against my XXXX XXXX. Cash app froze my account leaving me in a very bad financial situation. They froze it without a court order or judgement against me and are refusing to unfreeze it.
Product: Debt collection

On XX/XX/2018 Capital One agent " XXXX '' ( ID # XXXX   ) sought out and contacted my ex-husband ( of 9 years ), who was never listed on the account in any capacity. Neither his name, phone number or any other information was ever associated with the account. 
After calling him, the advisor verified my name and social security number with him, which he obviously would have knowledge of as my ex-husband. He claims that he made it very clear that we were not married and have limited communication. Despite this, the advisor disclosed detailed information about the account and its balance, as well as offered to set up a payment arrangement and/ or settlement. It is my understanding that he declined this and advised the representative that she would need to contact me. 
After receiving a call from him regarding this matter on the same day, I called Capital One and spoke with a supervisor " XXXX '' ( ID # XXXX ) who claimed that this was a regularly used method by the company to reach debtors. I asked that the account be discussed with no others persons beside myself and was told " they would do their best ''. Additionally I asked to have the account notated that no discussion with my ex-husband in particular is to happen. I was advised that she would notate the account, but couldn't make any promises, however that I could send a written complaint/ request to Capital One General Correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts listed on my credit report to include addresses that aren't mine and or that I have not lived at. Please remove them from my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Deletion of XXXX XXXX Account Due to Lack of Signed Agreement To Whom It May Concern, I am writing to formally request the removal of an inaccurate account from my credit report regarding a loan from XXXX XXXX. I previously filed a dispute against this account, and XXXX XXXX submitted a response to the Consumer Financial Protection Bureau ( CFPB ). However, their response did not include an agreement with my original signature, which is required to validate the legitimacy of the debt. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, any information reported to credit bureaus must be accurate, verifiable, and complete. Since XXXX XXXX has failed to produce a signed agreement proving that I authorized this loan, they are in violation of federal law by continuing to report this account. As a result, I am requesting the immediate deletion of this account from my credit report with all reporting agencies. 

I ask that the CFPB take appropriate action to enforce OneMain Financials compliance with the FCRA and ensure that this unverifiable account is removed. Please provide me with written confirmation once this issue has been addressed. 

Thank you for your time and assistance in resolving this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I started using a Goldman Sachs Savings Bank account through my Apple Pay account. I have linked XXXX different accounts that I had money in to move money. Doing this I had to provide the information and verify the accounts through Micro Deposits. Recently I have tired to add a beneficiary on my Goldman Sachs bank account and I was DENIED doing so becuase I did not have my mother and fathers SSN. Because of this I made the decision to move my money from them. I have set up a new High yield Savings account with XXXX. Went through the same process to link my bank account with them and then initiated the bank transfer. Goldman Sachs has denied the transfer and has said I need to verify the account. I told them I have already done this. They said in their savings agreement it states that we need to call the bank on 3 way so they can confirm this is my account. I had spoke to 4 or 5 different people and no one can show me any agreement that shows this. They have directed me to the following part in the agreement. 


" To link an external account, you must provide proof that the external account : ( i ) is a deposit account held at a bank located in the U.S. or U.S. Territories ; ( ii ) is an account in which you have full right and authority to the funds ; ( iii ) is not a trust account ; and ( iv ) is owned by you. You may not link a business account. We may restrict linking to an external account at specific financial institutions. You authorize us, our agents, and service providers to verify ownership of the external account. '' I have provided them all the information need to cover all 4 areas. After being argued with for hours. I said that this is not right and I will be reporting them. I said I will do the call and told them the only 4 things you can ask are what is in the terms an agreements. The gentleman put me on hold for about 5 minutes and came back and said that he will need to get more information than those 4 items listed above. I told him according to the terms and agreements they do not and I will not authorize my bank to give them more info. he said then he will not be able to authorize and/or initiate the transfer. 

Goldman Sachs is Denying me to move my money to the where I need it to go and this needs to me handled immediately
Product: Money transfer, virtual currency, or money service

For an event on XXXX XXXX, I created a button on my website ( XXXX ) to sell tickets using XXXX as a service provider. I set up the payments to be processed through XXXX ( XXXX ). Somehow, during the course of this process, I was directed to also create an account with XXXX, and money was then exchanged using EITHER XXXX of XXXX ... I do not know how the customer ( if the customer ) could choose the process by which to pay, it seemed to be 6 in one, half dozen in the other. 

EXCEPT : all payments that went through XXXX ended up in my account on time, as expected. NOT A SINGLE PAYMENT processed through XXXX made it into my account. I have exchanged emails with XXXX enough to get tracer numbers for the funds. I have spoken with Chase for hours and hours and hours, often repeating myself ad nauseum for the sake of getting a complaint lodged. Chase has been extremely unhelpful, dismissing claims arbitrarily, and essentially telling me that I am XXXX ( not kidding! ). 

XXXX is adamant that the money left them en route to Chase, Chase says there is no record of the payment in their system. WHERE IS MY MONEY? This is getting to be extremely stressful, and much of the remaining money is owed to employees and vendors. I have documentation of the payments, as well as a claim open with Chase, and with XXXX. I am very confused as to how to proceed, as Chase has  been stonewalling me from the outset. 

Thanks for you help. 

XXXX
Product: Credit card or prepaid card

My credit card information was stolen and used to make a series of fraudulent charges from XXXX XXXX XXXX. This was a card I hardly used and I had the card on autopay so this went unnoticed until XX/XX/XXXX. The charges started off small ( which is how I didn't notice it among my other payments ), but then became much larger starting in XXXX. This change prompted me to see what had been occurring for months, so I reached out to Wells Fargo for assistance in resolving this issue and reimbursing me for fraudulent charges. 

I called Wells Fargo to report fraud. I went through each charge from XXXX XXXX XXXX and documented the fraudulent charges. There were 57 charges which totaled {$1500.00}. After this call, I was supposed to receive a letter confirming the case was opened and notice of a resolution within 15-20 business days. Neither of these things happened. The only follow up that was executed was that they closed that card number and sent me a new credit card to use which I received in the specified 7 business days. 

On XX/XX/XXXX, I called the fraud department again to check on my case. I had received a few hundred dollars in reimbursements, but the rest was not reimbursed and I had not received any correspondence that the case existed. When calling the second time, I learned that my claim had been mostly denied because by continuing to pay my credit card on autopay, I had " accepted responsibility '' for the charges- according to Wells Fargo. I had them re-open the claim, went through each of the charges with them again, and was told I would receive a letter confirming that the case was opened and a notice of the outcome within 15-20 business days. 

On XX/XX/XXXX, I called the fraud department for two reasons. First because I received a notification that my card was attempted to be used for a charge that I recognized as fraudulent. Since the card was turned off, the charge was denied, but I was confused how this card could have already been stolen again when I had not attempted to use it. Second, I wanted to check the status of my fraud claim since I I had not received any further reimbursements. 

The fraud department once again closed my card and is sending me a new card. The fraud department told me that my claims had been denied again because I " accepted responsibility by paying my credit card. '' I once again re-opened a claim and was told that I will receive confirmation that the claim exists. Based off the previous responses, I am doubtful that I will receive resolution and therefore am escalating this issue. I am becoming skeptical my fraud claims are being opened and investigated. According to federal law, I should not be financially responsible for fraudulent claims made within 60 days of reporting them, and many of the fraudulent charges that were within 60 days of XX/XX/XXXX were not reimbursed by Wells Fargo. 

I am hoping by escalating this issue I can receive reimbursement for the fraudulent charges made on my Wells Fargo credit card.
Product: Credit reporting or other personal consumer reports

My personal data has been exposed in multiple data breaches beginning in XXXX and I began making disputes. However, I was informed that my data was exposed by XXXX XXXX in XXXX and I continued disputing items in my credit report and the accounts are still on my credit report. 

Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Consumer Loan

American Credit Acceptance repossessed vehicle XXXX/XXXX/XXXX ; loan was current. Video recording of automated system. Demanded repo fees and late fees w/o 10 day discretionary notice ( informed them they were not entitled ). Made fraudulent entries in account payment history to reverse repo fees ( demanded monies be returned to me ). Recovery agent demanded add'l {$370.00} to release vehicle. XXXX XXXX XXXX XXXX XXXX packed purchase price of loan & added {$1500.00} cash down payment to purchase price of vehicle. Credit report indicates " pays as agreed '' ; another agency has a 60 day delinquent entry ( 2 months prior entry states payment on time ) next month reported 30 days delinquent. Simple Interest Loan ; several payments of {$280.00} applied {$20.00} to principal or {$0.00} to principal. As of XXXX XXXX total payments $ XXXX/Interest posted $ XXXX/Principal posted {$1100.00}.
Product: Debt collection

I have been doing my due diligence to pay off my student loan debt. I have been in constant contact with the department of education and debt management and collections. I was notified how much I owe and who owned my debt. I have been paying for nearly 9 months now and yet I have three different collection agencies ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX ) contacting me telling me I owe money. Each claims to be collecting a debt from Navient ( which is what I am currently paying ). The amounts are extremely high ( nearly {$100000.00} ) in comparison to what I have been told I owe ( a lot less than that ). 

The department of education has told me these are fraudulent and that the money is not owed and told me to contact Ombudsman who opened three cases ( today  XXXX/XXXX/2017 ) and told me to turn it into the Consumer Financial Protection Bureau. These collection agencies have not only called and called and called me but have started harassing my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up complaint in line with my previous complaint dated XX/XX/XXXX. I was going through my records & noticed many information or items which do not belong to me. Please block/remove these items due to their erroneous status. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The accounts are note mine I ask the credit bureau to validate the accounts The credit bureau could not validate the charge off I asked the credit bureau to send me a copy of the original contract with my name and signature on contract and they were unsuccessful doing so. Please delete accounts off credit report thanks Accounts : XXXX XXXX XXXX  XXXX Account number : XXXX 2.Acount XXXX XXXX XXXX Account number : XXXX 15 us code 1681 15 us code 1692 Unfair practices
Product: Mortgage

I have attached evidence that may be of assistance in your internal investigation, although confused I hope that I can retrieve more accurate answers that will bring me closer to understanding damages. 

Please Note : I received a XXXX package on XX/XX/2019 from a XXXX XXXX with Specialized Loan Servicing, LLC, aka : SLS ( Exhibit # 1 ) In the package was my documents that never were processed that were mailed XXXX and recieved by a XXXX XXXX in the XXXX Office of Judicial Records. Date, time and deliver have been furnished. In confusion, the documents that I received in this package excluded my Certificate of Service address to XXXX XXXX XXXX, XXXX ... ( Exhibit # 2, # 3 ) Inside the XXXX package was another package that was addressed with my name but SLS address. ( Exhibit # 4 ). 
Inside the white package with my name but incorrect address was my documents with the initial 2 pageS being a " Notice of Rejected / Returned Documents, '' from a XXXX, Clerk of OFFICE OF JUDICIAL RECORDS. ( Exhibit # 5 & # 6 ) PLEASE NOTE, on XX/XX/2019 the Electronic Filing was effective. My documents were lost per the Office of Judicial Records, never processed and forwarded to the Judge,  and my cashiers check for {$310.00} was returned to me? This is unprofessional, unethical, and unlawful. I am very confused and have no answers, in addition I lost my property over negligence and fraud from the Plaintiff, the Law Firm of XXXX XXXX XXXX, XXXX and the downline of Servicer 's who never possessed the authentic Note and Mortgage. I stand very firm in my argument that is supported with substantial evidence that these conspirators are trying to suppress. 
" Rather fail with honor than succeed by fraud '' ... ..XXXX  Mr. XXXX XXXX XXXX , I look forward to your response and thank you for your time in advance. 


Respectfully Submitted, XXXX XXXX XXXX
Product: Mortgage

I, XXXX XXXX, have a loan with PENNYMAC LOAN SERVICES, LLC which appears that XXXX XXXX owns this loan. The address of the property is XXXX XXXX XXXX XXXX XXXX, NV XXXX. I have been paying {$49.00} for Private Mortgage Insurance every month since I bought the property in XX/XX/2014. My estimated loan balance is {$100000.00} and the estimated value of the property according to XXXX is {$210000.00} and according to PennyMac Loan Services, LLC Home Value Estimator website is {$210000.00}. I know that under the Homeowners Protection Act, a lender must cancel the PMI when the loan-to-value ratio on the mortgage reaches 80 % or when we have at least 20 % equity in the house which I belive I do. I have called PennyMac several times and they refuse to remove the PMI and they claim they dont have an Auto Termination Date for the PMI on my account. I have asked for the Auto Termination Date but PennyMac does not have one in my loan file. I need to know if you can help me with this issue?
Product: Credit card or prepaid card

I was unaware I had a balance due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I would like to remove the late payments on my report with Comenity Bank/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to Experian about 3 collection accounts. I have yet to receive any kind of follow up on my account. Pursuant to 15 USC 1692g ( B ), they legally have to respond in 30 days or less. They violated the law by not doing so. Due to the violation, I demand that the accounts are DELETED IMMEDIATELY! 

THE FOLLOWING ACCOUNTS WERE IN DISPUTE : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX