23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My apparent debt has been transferred to several companies XXXX XXXX XXXX, LVNV Funding and now XXXX XXXX. I started receiving several calls and text messages XX/XX/year> and now emails starting today XX/XX/year> threatening to take legal action to sue me if I do not pay {$1000.00}. Ive never been sued in my life and this debt is several years old.
Product: Student loan

I applied for loan forgiveness in XXXX of 2018. I never heard anything back. That is, until today when I emailed them and was told my teacher loan application was denied because I filled out section 3. I checked the correct box and nowhere on the form does it say " Do not fill this out unless previous loan forgiveness obtained. '' The email said nothing about a next step. Just " Please let us know if you have any questions ''. Are you joking me? Now I have to wait another 3-5 business days to hear back about what I need to do to fix a problem that shouldn't exist. After it is fixed I'm going to have to contact Edfinancial every week to make sure my application gets accepted. This is absurd. I'm paying interest on a loan that should have already been forgiven and the company the government chose for my student loans won't even contact me when my application is denied or approved. They certainly know how to milk every last bit of interest.
Product: Debt collection

The office of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Arizona while contacting my about a debt in collections for Midland Credit Management sent me information ( Full name, Address and act numbers and Original creditor statement ) belonging to someone else. And only sent a cover letter with my name on it. If I received someone elses acct information then someone else received mine. This is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 1681 section 604 a Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I'm requesting that all of these accounts are closed and removed from my credit report
Product: Money transfer, virtual currency, or money service

PayPal is holding my money in my PayPal because they want to scam the consumers. I dont have any charge backs or complaints from customers there is absolutely no reason for PayPal to hold my money for 180 days. Something needs to be done to stop PayPal from these scam practices. 

When all is said and done, if you think this was outrageous behavior ( besides behind illegal ), please contact your elected officials ( congress people and senators ) and tell them what Pay Pal does and demand that the department of treasury be instructed to take action against Pay Pal. They're not a bank and they shouldn't be allowed to act like one, XXXX
Product: Checking or savings account

I got denied access to my accounts, they were closed I had money in the account nothing was sent to me after they closed my accounts. When asked why my accounts were closed they said they couldnt tell me and hung up the phone. I continue to receive statements from my accounts and saying I have access but when I try to access my money and account the account is no longer there.
Product: Debt collection

To : MIDLAND CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re Acct # XXXX This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting : -ORIGINAL PURCHASE AGREEMENT that shows you are the legal owner of this alleged debt. 
-Insurance claim of the debt. 
-The XXXX with the original creditor -Statute of limitations and last pay-missed on the debt. 
-Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
-Complete documentation of all assignments and chain of custody showing the transfer of the debt. 
-Proof that the original creditor securitized the debt. 

I am also requesting any type of document that proves your company has the authority to collect debts in my state.Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] if you can not validate the debt, you must request that all credit reporting agencies delete the entry immediately. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : -Defamation -Violation of the Fair Credit Reporting Act 15 U.S.C 1681 section 611 ( a ) ( 1 ) ( a ) 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 15 USC 1692 et seq, this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. 

Thank you in advance for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

My American express serve card was stolen from my home, the card was then used to withdraw the entire balance of my account from {$420.00} down to {$0.00} with in hours. I contacted American express to dispute these transactions, as I ( the card holder ) did not preform or authorize these transactions. American express declined the dispute for these transactions, claiming the transactions were valid.
Product: Debt collection

I have been violated and trespassed against pursuant to 15usc 1692d  ; Harassed and oppressive use of intercourse of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.
Product: Money transfer, virtual currency, or money service

Hello, I am contacting CFPB to report a problem I have with XXXX XXXX 
Some scammers from a supposed company called XXXX XXXX XXXX XXXX, opened an account in XXXX and used it as a bridge to divert the money that I transferred from my XXXX account to the XXXX account and from there, to other accounts of the scammers. 
XXXX is not responsible for anything! They say that they do not have to give any kind of explanation about the destination of the money transferred. The only lesson I get from this attitude and operation is that XXXX is the perfect platform to launder money and subsequently promote organized crime. 
When I found out about the scam I was subjected to, I made the request to withdraw the transferred money and identify the recipients ..., they have rejected such requests. 
It is not necessary to travel to any country where it is allowed to have money without control, comfortably from home with an account in XXXX you can make transfers to accounts in tax havens with the excuse of investing in XXXX. 
XXXX XXXX, XXXX is not only a Cryptomenda-type currency platform, but also performs the functions of a bank that acts as an intermediary between them. 
I am extremely disappointed and confused with the irresponsible behavior of this platform. Any WORLD bank must have a control of the income and transfers it makes to know the origin and destination of the money, XXXX seems to be outside the law. 
Facilitating money laundering for thieves seems incredible to me. 

The response I received from the XXXX department was as follows : We can not : Names of the recipients of any transfer, this is not how cryptocurrency works. 
Reverse transactions that have taken place, this is not how cryptocurrency works. 
Refund any trade and transactions that have taken place, this is not how cryptocurrency works. 

With a normal bank account, the situation would be different, however, cryptocurrency transactions do not contain the name of the recipient, they are not reversible or refundable. This is how cryptocurrency is built and it is not something that is under our control. 

My account number at XXXX XXXX, XXXX is number XXXX. 
The open case reference is # XXXX - # XXXX. 

I did a little research to get all my money back. 
I can send you all the receipts of the transfers made to XXXX from the XXXX Bank and verify everything that I report.
Product: Debt collection

COMPLAINT Now comes, XXXX in consumer capacity filing a complaint against debt collection agency National Service, an XXXX agency licensed to collect debts in the state of XXXX from the state of XXXX ; In XXXX, I checked my credit report and discovered National Service tradename on my credit file as a closed account and disputed the account with all three credit bureaus ; On XXXX XXXX, XXXX I received my credit report update from initial dispute, and National Service was update to XXXX and XXXX credit bureaus as a verified account ; National Service placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with National Service and XXXX ; I have never received any validation letter from National Service prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to Equifax and Experian ; This conduct is a direct violation of 15 USC 1692g ( a ) ; ( b ) Validation of debts ; ORC XXXX, and XXXX vs XXXX Case No. 2:14-CV-0054 ( S.D. Ohio XX/XX/XXXX ) This conduct is a direct violation of 15 USC 1692e ( 10 ) ; ( 2 ) ( a ) false and misleading representation ; ORC 1321.45 ( G ) ; XXXX v. XXXX, 970 F.2d 1516, ( 6th Cir.1992 ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with ORC 1335.05 XXXX Statutes of Frauds ; XXXX., XXXX. v. XXXX., Slip Opinion No. XXXX ; This Conduct violates 15 USC 1681g disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XXXX XXXX, XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of National Services ' actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, Fifth Circuit, Case No. 91-7142, XXXX vs. XXXX, XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Transunion LLC XXXX XXXX XXXX XXXX, PA XXXX RE : Request for Bankruptcy Removal from Credit Report To Whom It XXXX Concern : I am writing to formally request the removal of a bankruptcy entry from my credit report as it no longer accurately reflects my credit history. The information reported is either outdated or unverifiable, and under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. 

The bankruptcy in question is referenced with the following details : Case Number : XXXX Date Filed : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please investigate this entry and provide verification of its accuracy. If you are unable to verify the information, I respectfully request its immediate removal from my credit file. If the bankruptcy has exceeded the allowed reporting period ( typically XXXX years from the date of discharge ), it must be removed per FCRA guidelines XXXX 

To assist with your investigation, I have enclosed the following : A copy of my credit report highlighting the bankruptcy entry. 

A copy of my government-issued identification and proof of address for verification. 

Please complete this investigation and update my credit report within the legally mandated XXXX  days. I request a written confirmation of the actions taken. If no action is taken within this period, I XXXX pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Mortgage

I had a Covid forbearance with XXXX XXXX XXXXXXXX XXXX. They offered me a refinance deal in fall of XXXX and due to the fact that I was out of town I did not see it in time. That offer made my mortgage payment approximately XXXX a month. When I called in about it they told me it was too late and they would send me a new offer they sent me a new offer with the longer-term there was {$960.00} a month I accepted this signed the paperwork went through the three month process to get it set up and was preparing to start paying for it. When I looked on my XXXX XXXX XXXX  account I saw that my payment was not {$960.00} a month but XXXX something so I contacted them and went through all kinds of hoops with people on the phone and somebody was going to research it and get it back to me which no one ever did. I never signed any paperwork for the loan that had a payment of {$1400.00} a month because they said that offer had expired. The paperwork that I signed and have a copy of is for {$960.00} a month. When I went to make the payment I got a notice from right path services some other mortgage servicing company that I dont know anything about and Im wondering if theyre connected with XXXX  and theyre trying to say that I owe them the {$1400.00} a month payment. When I was talking to XXXX XXXX XXXX I told her that I was very concerned that this was some kind of bait and switch they assured me it was not a bait and switch and they would get it resolved which they never did so now I am supposed to be going with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX. Unfortunately when I went to set up my online account with them I see that theyre trying to collect the XXXX a month payment which is not anything that I ever signed. I am quite concerned that this is some kind of bait and switch thing I have had nothing but trouble with XXXX XXXX and their XXXX company that they were with before them. I am beginning to think this is some kind of scam bait and switch something bizarre and I need some help thank you for any assistance. XXXX XXXX XXXX am beginning to think this is some kind of scam bait and switch something bizarre and I need some help thank you for any assistance. XXXX XXXX XXXX email. XXXX. The address this property is on is XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX my phone number is XXXX please let me know what I need to do to address these in XXXX XXXX providers that I believe are trying to scam me. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the three ( 3 ) bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I am including these fraudulent items in my report. Addresses:XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/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 have disputed information that was reporting inaccurately on my credit report and none of the credit bureaus have responded as of yet and it has been two months as of today. I tried to dispute things online but XXXX  indicated something were disputed but I never received information on those items via mail or email. TransUnion indicated when I tried to dispute online that there was an account with them and that is not the case so I don't know if they blocked me from trying to dispute or what. 

I will be attaching the letters that were sent to the bureaus as well
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) Opened : XX/XX/XXXX Amount : {$530.00} Inquiries XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 a 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: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Product: Student loan

We consigned a loan for our nephew from Navient. He lost his job and was out of work for a period and he fell 7 months behind in his payments. Navient sent me a demand letter. I called and spoke with a Navient collections agent. He told me that if I made the account current, once the transaction had been recorded I could call up customer service and get his payment down to something he could afford. After I made the payment, and it was recorded, I called customer service and was told I would need to apply for a hardship adjustment, but both us and my nephews finances would have to be approved for a hardship case. If we do n't qualify, the payment remains unaffordable for my nephew. I was never informed about applying for a hardship, he made it sound like it was a quick phone call, and we would be all set. I feel like a collections guy needed to make quota, so he would say anything to get my credit card number. I requested a call from their supervisor, but that has n't happened yet. 
If this loan was reduced to the {$70.00}, 30 year, 1 % that the collection guy told me, my nephew would be able to make the payments, and when he gets more income, would be able to increase the amount. I just want what the collection rep at Navient said we could get.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial is refusing to take off incorrect information from my Credit Report.. back in XX/XX/2017 I went to court for a Car Loan that I was being sued for. I had no idea that I was listed as a co buyer for this Loan until I was served with court papers. I went to court and explained to the judge that the information was not mine and I didn't know of this until I was served the signature didn't belong to me. 
I never agreed to be a co buyer for any Vehicle. 
The Judge dismissed the case against me without prejudice.. I submitted disputes with all Three Credit agencies yet XXXX   has refused to remove it from my report, stating that GM Financial said that the information is correct and therefore can not remove it.. I can't understand why this is possible because XXXX and XXXX has already removed the information from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE CREDIT AGENCIES HAS VIOLATED MY RIGHTS. 15U5C 1681 SECTION 602 STATES THAT I HAVE THE RIGHT TO PRIVACY. 15USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN CONSENT. 15USC1666B STATES THAT A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

company has violated my rights to privacy 15 U.S.C 1681 section 602. A states i have the right to privacy 15 U.S.C 1681 Section 2 - It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with collection of any debt