23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally express significant concerns regarding my loan account with Onemain Financial group LLC. My concerns arising from my review of the loan documents, payment history, transfer of security and recent legal proceedings, indicate potential violations of federal laws, securities regulations and consumer protection standards, including but not limited to Regulation Z under the truth in lending act ( TILA ), XXXX XXXX XXXX, and the 14th Amendment of the US Constitution, Emergency banking act, Securities act XXXX and XXXX. In XX/XX/XXXX, I filed for XXXX XXXX bankruptcy protection. However, in XX/XX/XXXX, I requested case to be dismissed due to discoveries related to consumer protection laws. In XXXX and I believe in XXXX or XXXX, I contacted OneMain Financial Group LLC, requesting validation of the loan and remedy for past due amounts. I did not receive a response. XX/XX/XXXX, I was served with a court summons related to this loan. A request for dismissal of the loan entirely due to arbitration clause, has not yet been reviewed. In my discoveries it has come to my attention that the loan may have been securitized and sold without my knowledge or consent, in my findings there are two different account numbers. However only a copy of the promissory note with the original account number but not the original note ; with only my signature was submitted with the summons. This raises questions about transparency, ownership of the debt, and the accuracy of disclosures under the Regulation Z. Based on recalculation using the XXXX method, discrepancies exist in how payments were allocated between principal and interest ( overstated ), raising concerns about inaccurate disclosures and misrepresentation. Transparency and accountability 15 USC-1692, 1601, HJR 192, the 14th amendment, Emergency banking act XXXX, codified under 12 USC and title 31, 12 CFR 201.108, UCC3-104, UCC 3-303, UCC 3-305, Securities act 1933 , 15 USC -77a and the OID 1099, IRC 26 USC 1271-1275, regulation 1212. These rights appear to have been violated. OneMain Financial 's known legal issues in XXXX, agreed to a settlement over transparency issues. My case indicates these transparency concerns still persist and potentially affecting additional borrowers. In addition I have concerns of OneMain Financial Group LLC. ( license XXXX XXXX ) potentially selling securities without a license, according to the securities and exchange commission.
Product: Payday loan, title loan, or personal loan

On Friday XX/XX/2022 at XXXX I attempted to contact PNC Bank regarding the payoff on my personal loan account ending in XXXX. The Balance on the account as of XX/XX/2022 is XXXX. When I called customer representative XXXX XXXX I asked her if the payoff was {$8200.00} and she replied no and I then asked her what the payoff was of today and she verified the same amount. I did ask her if any charges would go up while the payment was processing and she would not answer me directly other than stating that it could take XXXX to XXXX business days for processing. I am requesting that all interest be stopped on this account and be credited the added interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DP OF EDUC XXXX DP OF EDUCXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXXTHIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, XXXX, AND TRANSUNION ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Checking or savings account

Please check the that my pay check is added at the beginning and end that would change all ending balances. Wells Fargo gave me an XXXX XXXX XXXX XXXX XXXX XXXX. It is not XXXX years and I could not get the only statement. Also Wells Fargo reported some transactions twice to the Credit bureau and my score was lowered. I was force to spend XXXX to get XXXX dollars rewards. I did XXXX or XXXX balances transfers which I looked for the statement today XX/XX/XXXX and it only shows XXXX transactions. Has not been XXXX years yet. Its been to much writing them and taking with the representatives over the phones
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. These items are not transactions conducted by me as the 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. I've made a list of the details on my personal information that is falsely reported and that must be removed or updated immediately. 

Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 

Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX Account : * Date : XX/XX/XXXX * Issue : An account with XXXX XXXX XXXX XXXX appears on my credit report. This account was fraudulently opened as a result of identity theft and does not belong to me. 
XXXX. XXXX XXXX XXXX * Date Opened : XXXX, XXXX XXXX * Issue : A collection account with XXXX XXXX XXXX, is listed on my credit report. This collection account was also fraudulently opened due to identity theft and should not be attributed to me. 
XXXX. 
Inquiries Related To Identity Theft : XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the account showing on the credit file with LVNV Funding. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2019, there was an error in the conduent loan computer system in which my acct was set up for automatic payments but they did not take out the payments for those two months. When I called in XX/XX/2019, I spoke with XXXX in accounting and was told that they would fix the error and update the credit bureaus with the correct information that I was not delinquent or late. I have filed complaints with the credit bureaus but they have not received any documentation from XXXX. When I tried to call XXXX back, the number is disconnected and they have moved my loan to another company.
Product: Debt collection

XX/XX/XXXX Notice of Chapter XXXX Bankruptcy Case, Meeting of Creditor, & Deadlines filed. ( Notice attached ) XX/XX/XXXX Notice of Appearance with request for copies of all orders, notices and pleadings under bankruptcy rules 2002 ( g ) and 9010 ( b )  filed by XXXX XXXX XXXX, XXXX as servicer for the XXXX XXXX XXXX XXXX   XXXX XXXX XXXX. ( Notice attached ) XX/XX/XXXX Final bankruptcy Decree received that included referenced mortgage property. ( Letter attached. ) XX/XX/XXXX Received letter from XXXX XXXX XXXX, XXXX stating the following : " This letter was sent to acknowledge that we are in receipt of your request regarding the REO inquiry through correspondence received from XXXX XXXX. '' -I did not make this request and sent a certified letter, with return receipt, stating the property had been surrendered in a chapter XXXX bankruptcy with all of the applicable filing information. ( Letter attached. ) XX/XX/XXXX Received NOTICE OF OWNERSHIP CHANGE from XXXX XXXX XXXX, XXXX stating that the mortgage account had been transferred. ( Notice attached ) XX/XX/XXXX-XX/XX/XXXX Several invitations to pay and miscellaneous notices from " XXXX XXXX '' received . 

XX/XX/XXXX Debt validation notice received from Gross Polowy LLC. 
-XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and ALL of its servicers are well aware that this property was discharged in the bankruptcy.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being XXXX and ordered to shelter in place due to the coronavirus pandemic, I was unable to make a payment on time. I was forced to miss a payment. When I contacted XXXX XXXX customer service, I was told that they were unable to delete the recent 30 day late payment that had been reported for XXXX, 2020. I was recently told by a customer service representative that XXXX XXXX is unable to delay payments or offer any relief packages due to the corona virus outbreak.
Product: Credit reporting, credit repair services, or other personal consumer reports

im writing you guys in regards to all of the fraudulent accounts on my credit report.i am a victim of identity theft. I need it all removed. I've sent a letter to the credit bureaus with all my information and all the fraudlent accounts to be removed.
Product: Mortgage

I filed a Chapter XXXX Bankruptcy on XXXX XXXX, XXXX which was subsequently discharged on on XXXX XXXX XXXX. Citimortgage possessed a junior lien, {$72000.00}, on my property that was subsequently stripped by the Chapter XXXX Bankruptcy Judge on XXXX XXXX, XXXX due to the property being upside down. The last payment on this account posted on XXXX/XXXX/XXXX. Throughout this ordeal, Citibank Bankruptcy reGoing further, Citibank accepted a payment in error of {$380.00} and was subsequently ordered to refund the payment as it was sent to the in error by the Chapter XXXX Trustee. This payment was credited as a returned payment on XXXX/XXXX/XXXX. Citimortage never received a payment after this date and per the order from the bankruptcy judge, their lien was removed from the property as the property was upside down in value. Citibank has reported the wrong amount owed as well as the last payment made to the XXXX major credit bureaus in an attempt to re-age the account. I have reached out to this company numerous times. They have refused to update their records. They are in fact violating the law as their claim was stripped and reporting the total amount of the debt to be approximately XXXX dollars which is inaccurate.
Product: Credit card

Chase Bank is charging {$40.00} late fees when the late fee has been capped at {$8.00}. They advised that the cap is not in effect and would not credit the over bill.
Product: Checking or savings account

At approximately XXXX CST, I, XXXX XXXX XXXX XXXX XXXX, received a message from XXXX stating that my account was locked and that I was unusual. When, I, XXXX XXXX XXXX, XXXX, called XXXX, XXXX decided to jeer at me, XXXX XXXX XXXX, XXXX, making XXXX noises on the phone at me, XXXX XXXX XXXX, XXXX, verbally and physically XXXX XXXX. 

This initial incident happened on XXXX. Today XXXX I called Chase Private Client Checking to file a formal complaint. The XXXX XXXX and pulled the fire alarm. The XXXX then hung up the phone on me, XXXX XXXX XXXX, XXXX! 

I feel XXXX as I have the right to keep my account along with the right to be free from a XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  : Account number : XXXX
Product: Credit card or prepaid card

I purchased a XXXX gift card for {$100.00} from XXXX as a XXXX gift for a friend. My friend lost the gift card. Since I have the activation receipt, I thought that it would be simple matter to get a replacement card or for them to provide me with the card number and pin. I contacted XXXX customer support and they started a case. They eventually sent me a pin, which they claim they got from InComm, but it is not usable on XXXX 's website, and I was not given a card number. On XXXX 's website, they require a 16 digit card number and an 8 digit pin. XXXX sent me a 13 character " pin '' consisting of 3 letters followed by 10 numbers. XXXX 's website does not accept characters in the pin field. I have also tried to contact InComm through their customer support request page over a month ago, but have never received a response, not even an email confirmation. I have the activation receipt, bank statement. I need assistance in getting the card information, so that my friend can use the gift that I purchased for her. Gift cards need to be better regulated. As it stands now, the gift card companies are getting away with taking people 's money, which is essentially stealing. I have proof that I purchased the gift card, but I can't get any help from anyone. This is totally not right.
Product: Credit card

On XX/XX/year> I recieved an e-mail inviting me to apply for the Apple Card. This issuence of this card and the credit offered is the result of a partnership between Apple and Goldman Sachs.

Even though it's advertised as a XXXX, it can only be used at Apple Pay vendors unless you have a physical card. One can't get a physical card unless one uses and XXXX or XXXX. You see, whan can only order the physical card through Apple XXXX which is an app only available on Iphones or Ipads. One can't even borrow a friend XXXX because, the credit card account has to be tied to the device the Apple XXXX is downlaoded to. I called Goldman Sachs to see if they could issue a physical card on their own. I was told they can not. 

Therefore this card is worthless, and it was not made clearl in the advitoris that, the card can only be used if one uses Apple Products. I was over an hour of my time applying for the card and then, trying to get a card mailed to me once, I was approved. 

To be clear, I was approved for the credit line. I don't know if this was a violationg of any refulations or not. I do know, it should be. I want Apple and Goldeman Sachs punished for waisting my time.
Product: Debt collection

On Thursday XX/XX/XXXX, I contacted Williams and Fudge in response to a letter I received for my outstanding loan with XXXX University. I spoke with an agent and explained that I could maybe pay {$10.00} per month at which point she offered a settlement for 50 % .The representative called my cellphone on XX/XX/XXXX and my brother answered the phone. My brother stated that he was me but the representative did not do anything to verify this was true other than feed my date of birth and ask for conformation. I believe this is a violation of 3rd party disclosure. I called back and spoke with a supervisor to explain my issues. I was told that I could not settle my account and re enroll. I would need to pay the balance. At that point I explained that I wanted to look at my options to to their violations as well as to see if my loan may have  been affected by the recent lawsuit against the University. I also explained that I am a former member of the military experiencing a hardship but I would refrain from file a complaint against the agency as well as the University if they would accept my offer. He accused me of black mail and said " as a member of the military, you are saying this on a recorded line? '' This statement was made in effort to intimidate me into not filing my complaints as the representative had preconceived notions that I was making false claims in order to get my offer approved. My right to investigate a dispute and well as my right to privacy is protected under the FDCPA. Further more this representative proceeded to over talk me duding most of the conversation. I explained that I am a customer and he should n't speak to me this way. He stated that I am not a customer of the agency. My belief is that although that may be true, they are an extension of the University who needs to treat the customer the same as the University would. I was also told that my offer is ridiculous in his professional opinion. Nobody who has served our country and is experiencing a financial hardship should be told their offer is ridiculous, regardless of the opinion of the agent trying to collect. I am appalled that XXXX University would want someone like this acting on their behalf. I will be looking into my legal options regarding third party disclosure violations, false and misleading statements as well as refusal to acknowledge my option to dispute
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR, XXXX SSN : XXXX XX/XX/1976 Ally Financial XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Debt Validation Request for Original Creditor Account # : XXXX Dear Ally Financial, I am writing to formally dispute the validity of the debt you are attempting to collect, referenced by account number XXXX, which you claim originated with Ally Financial. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt you claim I owe. Please provide the following information specific to the original creditor : 1. Receipt of sale from auction of vehicle or receipt of sale 3rd party. 
2. A detailed account statement from the original debt, outlining the initial debt amount, any charges or fees, and a comprehensive transaction history. 
3. Any documents or agreements establishing my obligation to Ally Financial. 

I require proper documentation to verify the legitimacy of this debt. Please provide this information within 30 days of receiving this letter. Until you can provide the requested documentation, I consider this matter unresolved, and I request that you cease any attempts to collect on this alleged debt. 

Furthermore, I dispute your reporting of this debt to any credit reporting agencies. If you have already reported it, I request that you promptly remove it from my credit reports. 

I expect your prompt attention to this matter and a response within the specified timeframe. Failure to provide the requested validation may result in legal action. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is showing on my credit reports that Ally Financial did a hard inquiry on XX/XX/17. An inquiry letter was sent to the company to provide explanation for the hard inquiry. Ally Financial responded by stating that my credit was pulled on behalf of XXXX of XXXX. I have never visited XXXX of XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received or been offered any services or financing from XXXX of XXXX.