23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company ( Online Collections ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract.

Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : House of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at 1935 XXXX XXXX XXXX XXXX, XXXX  XXXX, which is in XXXX XXXX XXXX I am writing this complaint because XXXX, XXXX, is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX XXXX XXXX, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the XXXX credit XXXX of XXXX XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I Sent USD XXXX at XXXX XXXX from Coinbase Pro to Coinbase Account. Transaction ID : XXXX. The money was never transferred to coinbase account and is not in my coinbase pro account.
Product: Money transfer, virtual currency, or money service

Following up on unresolved complaint XXXX. The previous response addressed by TransferWise was the wrong transaction, I am referring to the transaction # XXXX. 


I locked in my rate to transfer from USD to XXXX to support my brothers XXXX XXXX struggling in XXXX with TransferWise. Consistent with previous transfers, I was informed I had 24 hours to send the money. I received a message that my transfer had been canceled without consulting me ( within 12 hours of locking it in ) because the rate had changed. Disappointed is an understatement. Its evident the only reason they cancelled my transfer was due to the fact that I had locked in the transfer at a good rate and that subsequent changes in the dollar were more favourable to TransferWise. As a foreign exchange business surely its a business practice to hedge rather than arbitrarily cancel customers transfers. How on earth can customers trust this business? This affects people, their families and their businesses. On top of this, they are choosing to engage in shady cancellations during one of the most tumultuous and stressful times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called ( XXXX ) XXXX and opted out of preapprovals on XX/XX/2019 yet nothing is showing in my XXXX XXXX report and my Equifax report reflecting that and I continue to be bothered with unwanted offers as well as unwanted inquiries appearing without my permission. 

Also, Equifax has my date of birth wrong since XXXX and my mailing address with them has become outdated.
Product: Credit reporting or other personal consumer reports

I have several inquiries that I did not authorize on my credit report. I have filled out an identity theft report as well. 

These inquiries are, 1.Navy FCU XX/XX/year> 2.Navy FCU XX/XX/year> XXXX. XXXX  XXXX XX/XX/year>XXXX  I have contacted both Navy Federal and XXXX XXXX with no luck. I have even sent a letter to both XXXX  and XXXX and they both did not remove the inquires.
Product: Debt collection

Navy federal seized my bank account on XX/XX/XXXX for the amounts of XXXX checking XXXX checking I had no knowledge of the debt because I never received written notification. I spoke with an agent in the credit card department and he stated that there was a change of address around XX/XX/2016 made by my attorney for veterans compensation. I had no knowledge this occurred, therefore I could not act on a letter that I was being sued because my mail went to my attorney, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened? 
two of my XXXX cards, were compromised by a person i did business with that had all my personal information. They were issues cards on my account without my knowledge, they evidently changed my address to a fraudulent address in XXXX NY. ( A ) I have relentlessly tried to get XXXX card to removed the fraudulent address from my credit report and they refused to. ( B ) I have also tried to resolve these fraudulent unauthorized charges off my profile and it continues to be a very impossible task. The facts are even verified by XXXX bank president office from letters they have sent to me. I have called them and left messages for the representative by the name XXXX XXXX XXXX ext XXXX and no call back. The fact is all the charges were made after XX/XX/XXXX, here reply letter stated the fraud unauthorize user taken off the account, why do they continue to give me a hard time to correct this problem? The account was carrying a - {$200.00} balance for 4 months and in XX/XX/XXXX they even sent me the credit for the {$200.00}. Then in XX/XX/XXXX 7 months after the issue was resolved XXXX opened another account in my name with a different account number and sent me statement that i owed them XXXX, then by XX/XX/XXXX it was a {$33000.00} balance, i have not did any transaction with them since the account was closed in XX/XX/XXXX, they are still reporting these fraudulent numbers on my account, i need them to fix their errors and clear my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ... there are 3 instances of this with 3 account numbers. I have written letters and disputed it for 2 years. I had state medical insurance and they refuse to remove them. And when I demanded original debt paper contracts they did not provide anything with my signature. 
I then went to Experian and they say that this company certified to them that the information was correct, but Experian has no proof that it is valid. 
They removed one, that means the others should all be removed. 

And furthermore I have recieved 2 alerts from Experian itself of data breeches and that I was affected yet they refuse to take of these items that are damaging my quality of life when they have no proof and there system has been hacked and my information was stolen. I want every negative item off my report I also want my information to be private and removed from all 3 agency 's data bases since they can't seem to stop people 's information from seeing taken and then discriminate and violate my rights to have things crucial to surviving.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account # XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

On XX/XX/XXXX, after several weeks of trying to get through to a my loan servicer, MOHELA, to request a refund of payments made during the Covid Forbearance, I was given inaccurate information regarding my payments made during the Covid Forbearance. I had been calling to request a refund of those payments, which per the CARES Act, I am eligible to receive a refund of. The XXXX MOHELA incorrectly told me that the payments I made would be counted as " Paid Ahead '' and be applied to my future student loan payments, this was inaccurate. I had requested a refund of the payments I made on XX/XX/XXXX of XXXX during the XXXX forbearance, this request was not properly sent for processing. Now for several months I have had to sit on hold with MOHELA for hours on end to be told that my request is being submitted, then when I follow up we find out it was submitted incorrectly or to the wrong department at MOHELA. This has happened on numerous occasions. I feel that my request is not being submitted properly and that the inaccurate and misleading information I received is preventing me from receiving the refund of the loan payments made during Covid forbearance. MOHELA needs to ensure that my request is honored and sent to the XXXX. of XXXX, they are the servicer who mishandled my request and gave me inaccurate information regarding the payments made during the forbearance. I am having great difficulty getting through to anyone at MOHELA and or the XXXX. of XXXX that can resolve this issue, this is no fault of mine. Neither MOHELA or the XXXX XXXX XXXX are properly staffed to provide borrowers with adequate service in a timely matter. MOHELA has made no effort to correct this mistake by contacting the XXXX. of XXXX directly and/or having it corrected via special channels. Each entity has referred me back to the other on XXXX occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Fair Credit Reporting Act ( FCRA ) is meant to ensure accuracy on your credit reports. Failing to send you notifications about your credit report or score in violation of the FCRA. Agencies fail to follow guidelines for handling disputes never giving notice of anything being investigated by mail in 5 days or more. Creditors give reporting agencies inaccurate financial information about me.

Make sure my report is reporting 100 percent accurate, same line by line on all 3 bureaus or remove accounts, as they are violating my rights if there not 100 percent the same
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX account # XXXX and the account was paid off. Since the account has been paid off, I continue to look at my credit reports from XXXX, EXPERIAN AND XXXX XXXX and continue to note this account continues to be re-aged by the credit bureaus adjusting the charge off date/ status of the account. As a result, I have disputed this item directly with the credit bureaus XXXX, EXPERIAN AND XXXX XXXX and each time the credit bureaus report the account is verified as ACCURATE via XXXX XXXX XXXX As a result, I have disputed this account directly with XXXX XXXX XXXX via letter and via phone calls and each time, XXXX  XXXX  XXXX states they are note responsible for the reporting of the account and I must dispute directly with the credit bureaus - in which I have SEVERAL times and XXXX  XXXX XXXX continues to ignore my requests. 

Even when I send evidence with my disputes, the credit bureaus state the account is verified as accurate via XXXX XXXX XXXX With the continued evidence and detailed disputes, XXXX  XXXX XXXX and EXPERIAN XXXX XXXX XXXX continue to verify the account as accurate. I have included the letters I have sent XXXX  XXXX  XXXX with copies of the inaccurate credit reporting. I need help to ensure my rights under the FCRA is protected. According to the FCRA to avoid the illegal re-aging of this account by the credit bureaus ( inaccurately changing the date of first delinquency on a consumers account to a later date ). According to the laws of the FCRA If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. In addition XXXX XXXX XXXX violated my rights when it failed to action. According to the FCRA when information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, you must promptly notify the CRA and provide corrections or additions. This didnt happen and I demand this account be removed for FCRA violations. Even my letter to the CEO has gone unanswered. PLEASE ASSIST Me
Product: Credit reporting, credit repair services, or other personal consumer reports

When I supplied a copy of the FTC report, it was determined that Credit Bureaus are not impeding records. Because regulation 605b of the FCRA requires it, I'm delivering this Complaint to assist in drawing out a legal response. If you choose not to impede the following items, which are responding incorrectly as a result of fraud. Here are the items that must be removed from my file : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$290.00} ; XXXX XXXX XXXX XXXX XXXX : {$7200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX - XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX # XXXX XXXX XXXX : {$780.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and bring attention to the inaccuracies present in my consumer credit report. Listed below are fraudulent/inaccurate and or unauthorized hard inquiries on my credit report that I will like to be thoroughly investigated and removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has come to my attention, through a thorough review of my Fair Credit Report, that there are hard inquiries listed on my report that I believe to be fraudulent and inaccurately attributed to my credit profile. I demand a comprehensive and rigorous investigation by the credit buries to substantiate the validity of each hard inquiry they have recorded. Furthermore I request that the credit bureaus provide documented proof for any hard inquiry deemed to be accurate. I am committed to maintaining the accuracy and integrity of my credit report, and it is imperative that these discrepancies are rectified promptly. Your cooperation in conducting a thorough investigation and providing a clear documentation will be instrumental in resolving this matter promptly and ensuring the veracity of my credit report. Please investigate and remove these hard inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act. Section 609 ( a ) ( 1 ) ( A ), you are rquired by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.

Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately i.e : an original consumer contract with my name on it ) that you have on file for the account listed below. 

XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/2017 and a balance of {$0.00}. 

Account is reporting XXXX different dates of last activity., there are XXXX different account STATUS, TRANSUNION is reporting a DEROGATORY, while XXXX reports a PAID account XXXX different last payments, you are reporting a CHARGE OFF/COLLECTION with no LATE Payments reporting. while XXXX is reporting XXXX also with no late payments reporting. if it's the same account being reported by the same creditor why is this different? Delete account for inaccurate reporting.
Product: Checking or savings account

Hello, in early XXXX I opened a new checking account with Umpqua Bank to take advantage of the {$500.00} new account bonus. As part of funding my new account, I used my brother 's ( XXXX XXXX ) credit card to fund my account with {$2000.00}. Around 10 days after my account was opened, Umpqua Bank locked my account. I provided Umpua Bank with a picture of me holding my ID, my brother holding his ID, and also a picture of the credit card used to fund the account. I have been in contact with XXXX XXXX, AVP, Store Manager of the XXXX XXXX XXXX XXXX Branch since XXXX. As per XXXX, because I used my brother 's credit card to fund the account, my account has to remain locked. ( this was not mentioned at the online website where I funded my checking account ). It's now been 4 months since my account has been locked with no resolution in sight. 

I am attaching the ongoing email thread I have with XXXX XXXX, AVP of the XXXX XXXX XXXX XXXX Branch. 

I have now moved out of my apartment in XXXX, and do not have access to any documents that Umpqua Bank sends to me via mail. I can not update the address since I do not have access to the online portal.
Product: Mortgage

My name is  XXXX   XXXX  an d BSI Financial ha s been my loan servicers since  XXXX   2016,   and they encouraged me to work with keep your home California, however keep your own California takes very long time to review my request for assistance and BSI keeps placing my home up for sale every month and it is very stressful and nerve wracking. Since last year we 've requested loan modification from BSI several times, however and they do not give such an option. This is the only home I have and my family lives here, but BSI only wishes to sell it. I want to start paying for mortgage again, but they are asking for too high of price for a home that is only  XXXX  square feet.
Product: Credit card or prepaid card

I submitted an online request for a credit line increase on XX/XX/21. I was sent an email on XX/XX/21 denying the increase due to recent use of this account 's existing credit line being too low. I call the company on XX/XX/21 to speak to someone for clarity on this situation. I spoke to a Rep named XXXX and she then spoke to that department that handles this and their response was to go to the Captial one link for any information regarding the denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both the Finance company and the credit bureau about this issue on several occasions. After speaking with a representative at the XXXX XXXX XXXX XXXX she advised me to file a dispute which should fix the issue. However, teh fix has not been corrected. I have tried to contact them on several other different occasions only to get teh run around. 

I paid my payment on XX/XX/XXXX as indicated on my bank statements. The payment was due on XX/XX/XXXX. Therefore, was was never 30 days late on this payment. Their system posted the payment on XX/XX/XXXX which is not correct. I was advised that is may have been a system error based on the time that i logged in.
Product: Checking or savings account

Bank of America XXXX XXXX  over charge frauduelent check charges and restriction without consent every month for us treasury XXXX check XXXX XXXX of the month withdrawl XXXX to XXXX in fraud checks each month which is deducted out of my XXXX check that is direct deposit in all of these banks. include XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX in XXXX XXXX  and XXXX XXXX XXXX in XXXX and recently XXXX XXXX deposited my XXXX XXXX  XXXX treasurers check and payroll check into there branch in conyers without my consent from XXXX XXXX in XXXX XXXX XXXX XXXXXXXX both both took my income never had account at XXXX XXXXXXXX XXXX fraud activity my name is ms XXXX XXXX XXXX my social security numer is XXXX i am on XXXX since XXXX in XXXX XXXX XXXX born in XXXX XXXX. i do not need identity fraud american citizern and can prove it.all amounts add up to including social secuity which gave away XXXX to a family member XXXX XXXX XXXX XXXX XXXX or XXXX or XXXX XXXX from XXXX to XXXX whrn my son graduated out of school without my consent still using my information for these banks etc..mortgages credit from XXXX and selling my info. ttotalling XXXX maybe more.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XX/XX/XXXX
Product: Debt collection

Proof of ownership and Authorization to collect from XXXX XXXXShow proof of original Contract and proof of agreement with wet signature... proof of payment history and none payment history... further more I would like company to show location where they are from physical address phone number state and city