23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I want to inform CFPB, that I have sent Debt validation and proof of claim letters pursuant to my private rights of action under FDCPA and FTC to CIT Bank and Onewest Bank Mortgage Servicing on several accessions. As of today, CITB has not validated, verified much less provide proof of claim according to law, FDCPA and FTC. 

In ADDITION I want to report that there was three Assignments recorded on my property XXXX XXXX XXXX, XXXX, CA XXXX that I just recently found out. 

The First Assignment of Deed of Trust recorded on XXXX/XXXX/XXXX at XXXX XXXX XXXX Recorders Office, executed by XXXX XXXX XXXX, as Vice President for Indymac Bank, XXXX The Second Corporate Assignment of Deed of Trust recorded on XXXX/XXXX/XXXX executed by XXXX XXXX, as Attorney-in-Fact for FDIC as receiver for Indymac XXXX, XXXX The Third assignment of Deed of Trust, recorded on XXXX/XXXX/XXXX and executed by XXXX XXXX XXXX, as Attorney-in-Fact for Indymac XXXX XXXX, XXXX. 

As it is well known, XXXX XXXX XXXX is an infamous robosinger. All you need to do is XXXX and enter her name to find out that she signed thousand of instruments and documents that facilitated the initiation of illegally foreclosing on properties without legal and lawful authority to do so for over a dozen different entities and with titles as Vice-President to Attorney-in-Fact etc. 

As you can see, I 'm very concerned as these assignments ' were recorded several years after the alleged loan was originated and is proof that there is broken chain of title. 

In CIT response letter, CIT claims that CITB is the INVESTOR of the loan. I never contracted or singed any agreements with CITB. 

In conclusion, I want for CITB bank as a DEBT COLLECTOR to respond to my debt validation and proof of claim demand according to the law, FDCPA, FTC and once and for all validate, verify, and provide proof of claim with someone with personal knowledge and authorize to do so under penalty of perjury. These are my private rights of actions and demand that these entities identify themselves under the law. 

sincerely, XXXX XXXX XXXX Please see the Exhibits attached to all these allegations
Product: Mortgage

Re : claim XXXX. 
I just submitted feedback which closed the claim. After submitting feedback, I checked my BSI account. They have credited me {$50.00} on XX/XX/19 but not the {$79.00}.
Product: Mortgage

I was diagnosed with XXXX on XX/XX/XXXX, and forced to retire early from my longtime career with the XXXX XXXX XXXX, which reduced my income drastically. 

I am a single mother and have had a mortgage with XXXX Mortgage/Shellpoint for XXXX. I was inquired about forbearance and was approved on XXXX. I was able to make the XXXX payments and was offered and approved for another forbearance on XXXX. XX/XX/XXXX, I received another letter from Shellpoint telling me I was approved for forbearance until XX/XX/XXXX. 

I received a phone call from one of the many points of contact I have had, on XX/XX/XXXX telling me that my forbearance ended on XX/XX/XXXX and they would not accept my XX/XX/XXXX payment. They also said I had a past due payment from XXXX which had never been discussed and I was not aware of. 

I had to Lease to Purchase my home out until I could have the Roof repairs because of a hurricane so they could purchase my home and I could pay off the mortgage company. These repairs have been made and I owe the mortgage company 1/2 of the value of my home. 

I asked for a modification on my loan until my tenant could secure financing. Shellpoint said I would need to furnish them with the Lease agreement and 3 months copies of payment checks from the tenant which I did for XXXX, XXXX and XXXX After furnishing them and staying in constant contact with them they informed me that they will not give me a modification or a forbearance and they intend to Foreclosure on my home unless I can give them the full amount of the forbearance payments which is unrealistic and impossible under the circumstances. 
Because of XXXX and complications, I have not only been forced to retire but I have had to file for XXXX. 

Any assistance or advice on my rights would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute a charge-off entry on my credit report and to request a copy of the 1099-C ( Cancellation of Debt ) form related to the debt in question. I have noticed that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has reported a charge-off for the account numbers XXXX, XXXX which appears on my credit report. And all the accounts in orders also. As per IRS guidelines, a 1099-C form must be issued for canceled debts of {$600.00} or more. I believe that this debt has been canceled, and I am entitled to receive a 1099-C form for tax purposes. I respectfully request that you provide me with a copy of the 1099-C form for this debt, if applicable, and update my credit report accordingly. If this charge-off is not valid, I kindly ask that you investigate and remove it from my credit file. Thank you for your attention to this matter. I look forward to receiving the necessary documentation and an update on my credit report. Sincerely, XXXX XXXX Date of Birth : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Synchrony Bank ( Walmart ) for continuing to report inaccurate, outdated, and unverifiable information on my credit report. 

I formally disputed the account with the credit bureaus and requested validation from Synchrony Bank. To date, they have failed to verify the debt or provide original documentation that justifies its continued negative reporting. 

The account has a {$0.00} balance and has been closed since XXXX, yet still reflects negatively on my report. This violates multiple sections of the Fair Credit Reporting Act ( FCRA ), including Sections 602, 605, and 611.

I am not seeking correction or updates I am demanding full deletion of the Synchrony Bank/Walmart tradeline from all credit bureaus due to failure to verify and continued harm to my credit profile.
Product: Bank account or service

I was advised by Well Fargo that XXXX XXXX, who made a mistake with my autopay, would not let XXXX XXXX take money out of my account. They reassured and promised me this. It is recorded. The next day, I had a XXXX balance in my checking account.
Product: Debt collection

I have 2 items listed in my credit reports from " Credit Bureau Systems '' trying to collect medical debt. I sent them a letter XX/XX/2021, asking them for proof this debt belongs to me and they sent me medical records as their proof on XX/XX/2021. They did not provide me a signed contract of any kind but most importantly they did not provide a signed HIPPA release form for them to even be in possession of detailed medical records. No one can be in possession of medical records without explicit permission from the patient by way of a signed HIPPA release form including 3rd party collection agencies. They have violated HIPPA laws. So immediately after I received their letter I disputed with all the credit bureaus sending them a copy of what Credit Bureau Systems sent to me only to have it come back that it " meets FCRA Requirements ''. It most certainly does not. I also wrote to Credit Bureau Systems informing them of their HIPPA violation and request they stop reporting these collections on my credit reports but they have not responded and are still ILLEGALLY reporting on my credit reports. Violating HIPPA laws is a serious legal violation. One in which I can sue both the collection agency and the credit bureaus for violating. I don't want to have to take it that far but will. I'd like to get it resolved and be done with it. I came to your website today and looked up how to make a complaint and I looked up Credit Bureau Systems and I found out Credit Bureau Systems has a past history of violating HIPPA laws. They are known for doing this and action against them needs to be taken. I definitely want this published by CFPB so that others who are having their HIPPA rights violated by this crooked company will be able to see and hopefully use this and other complaints against Credit Bureau Systems.
Product: Mortgage

I submitted complaint on Wells Fargo. It seems like the only difference is Wells Fargo continues their deceptive practices right under this agencies nose. I have been sending the same documents to them for close to 5 years now, to no avail. It is obvious to me that no one is going to dig deep enough to expose their deceptive practices.
Product: Credit reporting or other personal consumer reports

I sent a validation of debt affidavit to Exeter Finance LLC and XXXX XXXX XXXX requesting that the closed debt be removed from credit report since the account is closed. 
The companies wrote the debts off and sold them to other companies. Exeter Finance LLC and XXXX XXXX XXXX did not send me a XXXX form showing the debts were written off on their records and tax receipts. I have not received a copy of the XXXX form. The companies are still reporting these debts/collections on my credit reports and need to be removed.
Product: Credit card

I am writing to file a formal complaint against Capital One Financial Corporation for what I believe to be unfair and deceptive business practices. I have been a loyal Capital One customer since XXXX and recently experienced a series of events that I feel constitute malicious practices and fraud. 

Timeline of Events 1. XX/XX/XXXX and XX/XX/XXXX I applied for a Capital One business credit card. 
2. XX/XX/XXXX My application was approved after I provided extensive personal and business information. 
3.XX/XX/XXXXXXXX Within days of approval, my account was unexpectedly restricted. 
4. XX/XX/XXXX through XX/XX/XXXX : I went through a lengthy process to provide additional information to have my account unrestricted. 
5. XX/XX/XXXX : Despite my efforts, Capital One decided to close my account, including my long-standing personal accounts dating back to XXXX. 

I believe Capital One has engaged in deceptive practices for the following reasons : XXXX. They approved my business credit card application after thorough vetting, only to restrict it almost immediately without clear cause.

2. They requested additional personal information, which I provided in good faith, yet still closed my accounts.

3. They have not provided a satisfactory explanation for their actions, leaving me to believe I have been unfairly targeted.

4. The closure of my long-standing personal accounts along with the new business account seems punitive and unjustified.

As a result of these actions, I have suffered inconvenience, stress, and potential damage to my credit standing. I feel that I have become a victim of malicious practices by a financial institution I trusted. 

I request that your office investigate this matter and take appropriate action to ensure that Capital One adheres to fair business practices and treats its customers with respect and transparency. 

Thank you for your attention to this matter. I look forward to your response and am willing to provide any additional information you may require. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against the following crypto currency trading company : Gemini Trust Company , LLC XXXX XXXX XXXX, XXXX Floor XXXX XXXX NY XXXX e-mail : XXXX Phone : XXXX ( XXXX ) XXXX My complaint is that the company has frozen my trading account twice without explanation or justification. The first time was on XXXX XXXX  and it took 5 days to resolve. The most recent incident occurred on XXXX XX/XX/2021. It has not been resolved. Since my account is frozen, I am unable to access my account which is worth a significant sum of money. This means I can not buy or sell crypto currency when the price rises or falls. It also means I can not withdraw my money. This could easily be considered a case of theft since Gemini has deprived me of the use of my property. 

Numerous, daily e-mails have been sent to their customer support desk. No response has been received. Ive also contacted their customer support team on XXXX, but again no response has been received. Gemini does not list a phone number for customer service.
Product: Student loan

I have tried XXXX times now to speak to a supervisor as to why my account is past due. I spoke to a rep on XX/XX/2024 who assured me that the issue was a bug and that I had nothing to worry about, at the time I was past due by {$400.00}. I called back on XX/XX/2024 and spoke to a different rep, she explained that I was past due and now owed {$810.00}, I asked to speak to a supervisor and was transferred to another rep XXXX XXXX XXXX who also told me I owed that much. XXXX went one step further and informed me that I was placed on " XXXX XXXX '' and that for some reason one of the loans was not and that's why it keeps increasing. XXXX then patched me over to a supervisor but it went to voicemail and I was told that a supervisor would call me back in XXXX days. I was never contacted and its been over a week. They did send an email stating, " We tried to contact you, but could not reach you '' XXXX days later. I have no missed calls or voicemails from Mohela. My account is now {$1000.00} past due. I tried to speak with a Supervisor today XX/XX/2024 and was placed on hold then hung up on. 

My biggest concerns are, my repayment set up automatically and yet I am " past due '', and I wasn't informed of being placed in XXXX XXXX  nor did I request it.
Product: Debt collection

GC SERVICES # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX - harassed a great deal out of me for the amount I did NOT owe to XXXX in first place ... I ended up paying them because they agreed to stop calling me and promised to take this off my credit, but did not. It has been almost 8 months and this fraudulent collection is still on my credit report ... I reported to XXXX ftc and to bbb but nothing was done. I just want this collection off my credit report for good!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$14000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Recently I disputed accounts that were on my credit report that did not belong to me. I was a victim of Equifax data breach that ultimately resulted in me being a victim. I have disputed this information countless times with Equifax and provided information to Equifax that this fraud was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX Dear XXXX XXXX  Im losing patience here because I have to keep writing you guys about this inaccurate charge-off and you guys keep coming back saying the is accurate. I need you to stop lying to me and to the CFPB stating that its accurate on the previous complaint and hes the compliant number # XXXX. Please look what XXXX responded they confirm that this account is accurate. 

Creditor : XXXX XXXX, Account number : XXXX Inaccurate information such as - Account Type on all three credit bureaus. 
- Terms on all three credit bureaus. 
- Comments on all three credit bureaus. 
- Payment History on all three credit bureaus. 
- Last Payment is in XXXX and why on my Payment history is show that XXXX of XXXX has a on time Payment. 

I did everything you told me to do. So why is it still reporting on my credit report? Why did I get another letter stating that it was verified? How is that possible, when the other two credit bureaus did the same investigation and the item Can you tell me what data you are using to verify this charge-off account? Because the other two credit bureaus are reaching out to the same creditor to investigate this charge-off account? Im not a complainer but I feel that your company is not looking out for my best interest so Im getting ready to filed complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state and Consumer Financial Protection bureaus, because you have failed to fix the problem. Please re-investigate the account below as I have provided you with new information. 


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

The creditor has ignored my request for this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future. This account has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in XXXX SC turned me into collections after I paid the bill have approx XXXX infractions of collections on credit report after bill paid in full, history of paying since day one over contractual amount hospital wanted ( XXXX a month but paid above and over this amount ) continue to be on credit until XXXX this year
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$520.00} XXXX  XXXX XXXX Balance : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2023 I sent XXXX, XXXX and XXXX a Notice of dispute for account Numbers : XXXX, XXXX. The results of the investigation came back verified. I'd like a copy of the investigation report, Date of contact, name of person contacted, and what procedure was used to confirm the information
Product: Debt collection

I owe an old account from XX/XX/XXXX it 's stating to XXXX they sold that debt off to a collection agency and are stating I opened the account in XX/XX/XXXX and XX/XX/XXXX it went into collection. They sold a account that falls under NY state statue of limitations of 6 years and are selling it as a new account when I called to obtain the account paper work even the guy I spoke with informed me they were selling my account from XX/XX/XXXX and it 's illegal to do so marking it as new in XX/XX/XXXX.
Product: Payday loan

I borrowed XXXX was told my payoff fee total was XXXX which i have paid off and they are still charging me another XXXX dollars. It changes everytime I call them. The woman keeps going back and forth on the phone call. I paid on time and early and they say I owe late fees and charges for another loan I did not commit to as well as finance fees. It is a big scam and sincerely unclear on the rules. Documents keep changing fee amounts.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX Greco checked my credit for no apparent reason, at one point I did have and account with them where they had to check my credit but sense that time I have not applied for any credit from them so why are they checking my credit in 2023? I did not apply for nor ask for any credit in 2023 never. They are checking my credit for their own personal gain and to ruin my credit file with their unlawful credit checking. I did not ask them to check my credit in 2023 for any reason .Did not apply for any credit from them in 2023 They need to remove this inquirer from my report. I don't need unnecessary credit checking on my report. This is not legal, unless I had ask them to check my credit then that would be different but I never ask them to check my credit again, only the first time that I applied for credit. Why are they doing this. Do not check my credit unless I ask you to do so, this is illegal. Remove your credit check. There was not prior permission given to them to check my credit. 
They did not have prior permission to check my credit from me plus there is a block on all three credit reports and has been there for a few years, How did they access my credit report with a block on them. This is not legal if my credit has a block on them and I have a block on all three credit reports.
Product: Checking or savings account

XXXX Overdraft fees on XXXX/XXXX/2022. Request to refund them was declined by a B of A rep on the phone. Account was over drafted for only 1 day due to credit card payments.
Product: Debt collection

On XX/XX/XXXX I had a collections from Rocky Mountain Recovery pop up on my credit report for {$1400.00}. I never received any mail or any other form of communication from this company stating I was in collections or they were attempting to collect a debt. I called in to verify the debt on XX/XX/XXXX and their representative never told me this was an attempt to collect a debt and that they needed to get more information to provide me with a verification. They told me the debt was for an emergency room visit in XXXX of XXXX in Utah. When I expressed concern that I have never visited an emergency room in Utah and that I was not in Utah during XXXX of XXXX they said they would look into it further. I asked if they could mail me any information they had pertaining to it and they said they could not and would call me once they had information. I asked when I could expect to hear back and they said they it could be up-to XXXX months before I heard anything. I called back again on the XXXX to verify their address so that I could send a formal verification and dispute letter to them. During that phone call their attorney got on the phone with me to explain they can not mail me anything and I have no right to dispute my debt. Also that they are not licensed in Nevada  ( where I live ). I expressed further concern on how I could deal with this incorrect information that is effecting my finances and credit if theyre unlicensed in my state and refusing to work with me or transfer this to another licensed debt collector. Their attorney said he could speak to me on but no one from the collection agency could. I expressed concern on my ability to dispute this with no written documentation on anything from the agency and the attorney again told me I was unable to dispute the debt. I ended the call feeling threatened and troubled. I have since sent Rocky Mountain Recovery a formal dispute and request for verification by certified mail and Im attempting to dispute with experian and XXXX. I plan to file a police report when any documentation on this debt is sent to me. Any help with this situation would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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