23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After performing research and commissioning a financial audit of the account I discovered Sofi Bank had sold/transferred my personal loan to a securitization trust. I sent a dispute of debt and requested validation of the debt. Sofi responded with threats of lawsuit and judgement and stated they are the original creditor and the FDCPA does not apply to them. I responded back that the FDCPA does apply because I have evidence that shows they sold transferred the debt to a new owner. Their threats were a direct violation of our contract due to a binding arbitration agreement and I point that out. They are also misrepresenting their ownership and right to collect on the debt. I provided evidence that they indeed transferred/sold my note and again requested a validation of debt showing endorsements/assignments and chain of title/assignment. They called my claim frivolous and refused to cooperate with my demands. I provided excerpts from their SEC filings again confirming that they indeed securitized personal loans and I had evidence showing that my note had been indeed used as a security. I have a right to know who owns my debt and to see servicing agreement and chain of assignment with proper endorsements as required by article 3 of the UCC and the FDCPA. As of now they have violated the following laws : FDCPA Violations : Failure to disclose the true owner of the debt ( 15 U.S.C. 1692e ) Failure to provide a valid assignment of the debt ( 15 U.S.C. 1692g ) Failure to comply with the FDCPA 's requirements for debt collection ( 15 U.S.C. 1692k ) Making false representations about the debt ( 15 U.S.C. 1692e ) Threatening legal action without owning the debt ( 15 U.S.C. 1692f ) Other Potential Violations : Breach of contract by threatening legal action without owning the debt Misrepresentation by making false statements about the debt Potential liability for damages and attorney 's fees I have original copies of all my letters sent, certified mail with return receipts, and their responses I can provide.
Product: Money transfer, virtual currency, or money service

Company involved : PayPal Inc On XX/XX/XXXX I received XXXX payments, XXXX from XXXX XXXX and another one from XXXX XXXX for {$39.00} and {$11.00} which I didnt recognize or was expecting so I suspected were a scam. On XX/XX/XXXX I called Paypal to report this and was helped by XXXX. I asked her what to do with these payments as I suspected were a scam or stolen money, she advised me to refund the payments and that no money was going to be taken from me. I refunded them while I was on the phone with her. My balance on Paypal decreased when I completed those refunds. I realized the funds from the refunds were also taken from my bank account. I contacted Paypal but they are giving me the run around, the representative XXXX reversed the fees for those refunds which were about {$0.00} and {$1.00} but I would like Paypal to refund me the {$39.00} and {$11.00} to my paypal balance because they are already taking it from my Bank account. If refunding the payments was not the correct course of action, I should have been advised by Paypal when I called to report this. In addition there was another scammer who sent me a bogus payment for {$60.00} on XX/XX/XXXX and the the person filed a dispute claiming they didn't receive the item they bought from me. Stating they ordered from a website that has been XXXX XXXX XXXX XXXX
Product: Debt collection

In the mid part of 2015 I pulled a credit report and noticed I had XXXX accounts listed with Pinnacle Credit Services. I immediately contacted them and was told I had XXXX old bills with XXXX. XXXX account was for {$440.00} which I paid because I knew the account was mine. I begin to question the other account they had listed for {$190.00}, I was told that since I did not recognize the information that I should send them a letter disputing this information and request validation of debt which I did on XXXX/XXXX/2015. I received the confirmation that they received the request as well as following up with a phone call to make sure they received it. I have since called on several occasions to see if they have been able to verify the debt. I have been told each time that they have not heard back from XXXX even though it 's already been 4 months. My last call was on XXXX where I spoke with XXXX and who told me the same thing. I proceeded to ask her that should n't they be able to provide this information in a more timely basis and her answer was that it could take months. My understanding was that they had 30 days to validate the debt and if not then the trade line should be removed from my credit report she in return stated that was not true. I am unsure how to proceed with this company as I am getting no where. I would like it removed from credit report ASAP as it has an impact on my credit score. This is an account that is not mine and really feel it is unfair to pay for something that does not belong to me.
Product: Checking or savings account

On XX/XX/XXXX I went to a liquor store on XXXX XXXX in XXXX CA. I was going to purchase some snacks which totaled about {$4.00}. ( this could be off by a some cents, I could not remember the exact amount. I paid with my ATM card and it was denied and tried it XXXX more time just in case it didnt go through the first time. The clerk told me it was declined. It surprised me because it was not large amount. I told the clerk to hold on to my items while I check with the bank. Well before i called the bank i logged in to my account on my phone and found out that the money on my savings account was not there. So I looked at the transactions in my savings account and found out that there were transactions there from XXXX XXXX XXXX XXXX Florida. The items taken were for the following : XX/XX/XXXX a transfer from checking for the amount of {$15.00} XX/XX/XXXX ATM withdrawal for {$20.00} XX/XX/XXXX ATM withdrawal for {$160.00} XX/XX/XXXX in person TELLER window withdrawal {$1500.00} ve me As you can see all transactions were done out of XXXX FLORIDA and I was not even near or close to FLORIDA because I am presently in XXXX CA and at WORKED while this transactions are unfolding. I also currently reside at XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. I havent been in Florida since i moved here in the XXXX in XXXX. 

I called the bank and told them that my account has been hacked the above mentioned transactions were not authorized or done by me. So an incident was recorded and a reference number was issued to me and that a provisional credit was going to posted to my account within 10 days. Guess what, after 10 days I didnt see that credit as of this writing. Oh wait, it gets better! Not only did I NOT get the credit they DONT HAVE A RECORD OF THE REFERENCE NUMBER they gave me. They were saying that it might have not completed when she submitted it. And i said, WHY DO I HAVE TO SUFFER FOIR YOUR INCOMPETENCE. at this point I am as hot and my XXXX XXXX just shoot up the roof. And this is CITIBANK. Anyway she said thayt we fike another dispute and so we did and was dated XX/XX/XXXX. Then guess what, after the said INVESTIGATION they sent me a letter dated dated XX/XX/XXXX, XXXX hours after we filed another dispute. ( whoa tjhats XXXX XXXX of an investigation ) and in the letter they are saying that they are DENYING my claim and will not refund my money because the said transactions were consistent with my banking activities. Wow, by now im ready to lose it but at this time im not feeling well becasue of this unnecessary stress they are making me experience. I really had to terminate the call because I feel very light headed. So i called back and they asked me if I wanted to file an appeal.IMAGINE ASKING ME THAT, so i said yes and as of this writing I have not received anything from the bank except for an unauthorize of use form that I had to sign. But not heard from them about a resolution.
Product: Debt collection

In XXXX I made a purchase at XXXX XXXX, this was the only purchase made by me. I later went to XXXX and lost my wallet, all of my cash and cards were gone. I reported I lost my card to XXXX XXXX and they sent out a new one which I never received. I continued my payments forgetting about the card since I only intended to make one purchase with this card. I called XXXX XXXX after receiving a paper statement notifying them of this fraud and not receiving my card after losing my old one. They told me they would mark this card as fraudulent and would fill out a report. They did not follow up. I called again asking about this matter and they said they saw the fraud report and had no further information. There was no follow up. I called a few more times and the person said they didn't see anything in the system. Now this account is with Midland Credit Management and they want me to pay more than what I originally owed. They were threatening on the phone and sounded like I was being scammed for a large amount of money. I explained I wouldn't pay more than what I specifically purchased which was that TV.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up time to complain about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please remove these items : XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX  XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer through Huntington Bank to one of their accounts for XXXX XXXX XXXX. I turns out this account and the company associated with it are a scam set up to defraud people out of their money. Unfortunately, Huntington bank is unwilling to assist people defrauded by this company.
Product: Credit card or prepaid card

My monthly minimum payment is currently {$25.00}, and I have an automatic payment set up to pay " Minimum Payment Due '' on the due date, which is the XXXX of each month. On XXXX XXXX 2017, I made a payment of {$320.00}. My online account after that day was updated to reflect that the minimum payment due was {$0.00}. Despite this, Home Depot processed an automatic payment for {$25.00} dollars on XX/XX/XXXX. When I reached out to request an explanation, I was told that despite having paid the minimum amount in advance, the automatic payment would still be run and there was nothing that could really be done at this point to stop it. I am fortunate that I have substantial funds in my checking account so that I 've not been charged an overdraft fee, but this is potentially a major issue for any other customer in the same position. I 've not read the fine print of the automatic payment agreement, but I fail to see how any agreement can redefine " You have scheduled an autopayment of Minimum Payment Due on XX/XX/2017 '' to mean " You have scheduled an autopayment of Minimum Payment Required for the Month on XX/XX/2017. ''
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT/PRINCIPAL. [ EQUIFAX ] I am writing to bring to your immediate attention the significant inaccuracies and incompleteness present in my credit report as furnished by your agency. Upon reviewing my credit report, I have identified numerous discrepancies that require thorough investigation and rectification. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to request that you conduct a reinvestigation of all accounts and information that I believe to be inaccurate or incomplete. Additionally, I demand that you provide evidence under 15 U.S. Code 6801 regarding the source and Maximum accuracy possible of the information contained in my credit report.

Furthermore, I request that you furnish a detailed description, as required by 15 U.S. Code 6802, outlining the specific measures taken to collect, maintain, and report my nonpublic information. It is imperative that you adhere to the legal standards set forth in these statutes to ensure the protection of my privacy rights and the accuracy of my credit report.

Failure to comply with these demands may result in severe consequences, including civil liability for damages incurred due to the unauthorized collection, theft, and furnishing of my nonpublic information. As evidenced by past legal precedents, such as lawsuits against XXXX, XXXX, and Equifax, credit reporting agencies have faced substantial financial penalties for violations of the FCRA. 

For instance, in the case of XXXX XXXX XXXX XXXX ( XXXX ), XXXX faced a {$60.00} XXXX settlement for inaccurately labeling consumers as XXXX XXXX XXXX XXXX XXXX Similarly, Equifax settled a lawsuit for {$700.00} XXXX in the aftermath of the XXXX data breach that exposed the personal information of millions of consumers. XXXX also faced legal action and financial penalties, such as the {$18.00} XXXX settlement in the case of Consumer Financial Protection Bureau ( CFPB ) v. XXXX. 

I hereby demand that your agency immediately initiate a thorough reinvestigation of all accounts and information on my credit report that I believe to be inaccurate or incomplete. Additionally, I request that you provide evidence and detailed descriptions as outlined above. 

XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX Failure to comply with these demands will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. As evidenced by past lawsuits against XXXX, XXXX, and Equifax, credit reporting agencies are held accountable for violations of consumer rights. 

Your prompt attention to and resolution of this matter are imperative. I expect to receive confirmation of the commencement of the reinvestigation process and the provision of requested evidence and descriptions within the specified timeframe. 

Thank you for your immediate attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello To Whom It May Concern, I have been trying to fix this the past few months and now the covid 19 going around i need to be fixed more than ever. I have been using my XXXX XXXX and noticed Dept Of  Ed/XXXX  late fee 's of a total of 48 on XXXX   and 54 on equifax. I was told by the studen loan company more than once that these late fee 's will not count against my credit score since I've been there a  long time and most of them are the same ones repeating since I have a few different loans. Each time I call they say the same thing that XXXX, equifax and XXXX  should not be showing this. I have wrote countless letters. Under the fair credit reporting act 609 this has been going on well over 90 days. I have been in contact with XXXX, equifax and XXXX  also and it just goes around in circles the blame game.
Product: Credit card

Re : XXXXThree years ago, I was XXXX. I purchased XXXX domains in the name of the company and personnel. I made the mistake of leaving my credit card number on the account and the company did not change it. My name appears nowhere on the account, I can not log into the account, yet with my credit card number on file, they billed the card on XXXX/XXXX/15 for {$29.00}. I had not received a notice of renewal, in spite of the American Express card having expired. I called them numerous times pointing out that the account was not mine, I could not login to change anything, and I do not wish to renew the domains. I was assured by " XXXX in Billing '' that the expired credit had been cancelled from the account. On XXXX/XXXX/15, another " receipt '' from XXXX, this time for {$280.00}. Again, I called American Express to dispute the charge and placed a block on any future charges from XXXX. I also filed a complaint with the XXXX, AZ Better Business Bureau. I then called XXXX to find out why they had charged a cancelled card, only to find out from " XXXX in Billing '' that the card had been " renewed, '' probably by American Express. When I asked for the expiration date on the " renewal '' the date " XXXX '' provided was incorrect. " XXXX '' would not acknowledge the assurance from " XXXX '' and refused to remove my credit card number from the account without my providing another or that I contact the account holder to tell him provide a card. Following this, I contacted American Express again, this time requesting a fraud investigation since they had not, and would not, alter anything regarding a cardholder with any company without my permission and action. That can only mean that XXXX altered my credit card data on their account, which amounts to pure and simple fraud. XXXX insists that a " Protected Registration '' holds my liable for full payment since my credit card is on the account - but I am in no way involved in the account or company, and the card has expired anyway. They insist that I have to contact the name on the account, in spite of their holding all of his contact information, to get the account cancelled. I have now had to cancel the card and go through the process of resetting auto-debits to that card. A genuine nightmare!
Product: Credit card

We have been a member of Citi diamond preferred card for 11 years. We have over XXXX points on their reward system. We cashed in our rewards on another card today with similar points and it go applied to straight gift cards. Their system ONLY allows on ALL gifts to get a discount of XXXX % or XXXX % and you have to pay the difference for that gift card. So if it is a {$100.00} gift card it will cost me $ XXXX-XXXX out of my pocket and will only get the use XXXX or XXXX of my points. That is a scam! Statistically I dont have enough money to ever get these points back that is a total scam and I want to have just a couple normal gift cards or money tom reduce my bill. No other credit card is doing this and again there is no way to get back what I am owed. Please help
Product: Mortgage

I am writing to file a formal complaint against SPS, my mortgage company, regarding the handling of my mortgage account. My account number is XXXX. 

I have been diligently trying to keep my home, but I find myself in a difficult situation where I owe more on the property than it is currently worth. In an effort to find a solution, I have been attempting to negotiate with SPS, but it seems that all I have been offered is an exorbitant repayment plan that I simply can not afford. 

In XXXX, I submitted a complaint to the CFPB, which resulted in SPS postponing a scheduled foreclosure sale date. Since then, I have been trying to review the numbers for a potential repayment plan with SPS. However, during a recent conversation with an SPS employee, I was informed that when I previously attempted to process a short payoff, the offer I made was deemed too low, I was not informed of in the past. The representative I spoke with stated that they could take a new offer over the phone, and I submitted a higher offer. Additionally, there the pending repayment offer was withdrawn. I chose not to accept it at the time because I wanted to see if my new offer would be accepted. 

Unfortunately, I now find myself in a precarious situation once again, as a new sale date has been set for XX/XX/year>. To make matters worse, I have discovered that there is no record of my recent correspondence with SPS on their website, which I believe is highly unfair. I have been making every effort to explore alternative solutions, but it has been challenging to obtain the necessary information. The withholding of this information, I am sure has led to the perception that I am stalling, which is not the case. 

I initially thought that the lack of information on the website was due to a delay, but it now appears that this may have been done intentionally. I believe this is unjust, and although I recognize the seriousness of my situation, I am committed to resolving this matter if given the opportunity. 

I kindly request that the CFPB review my case and intervene where possible to ensure that I am given a fair chance to resolve this situation. 

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

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Product: Debt collection

I contacted Medical Data Systems I in attempt to resolve a collection on my credit report. They offered a settlement and I asked if it would be removed from my report. The rep stated that it would only be removed if I paid the 3 different collections in full. I confirmed again, that it would be removed before paying and I continued to to pay the debts in full. 
I called to follow up after looking at my report and seeing that the collections were marked as paid but not removed and spoke with another representative. 
The rep stated that they do not and will not remove items from a report even if being paid in full. I spent all the money I had when I could have easily settled for the same results. They lied. I would have not paid if I was notified that it wouldnt be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been notified of my incorrect account balance for a XXXX account which should be showing XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, and Chase are three companies that are reporting inaccurate information on my credit report. 
I have stated that accounts from these banks were generated because of an identity theft crime. To make my position clear, FTC 's identity theft report and police report were submitted to the credit reporting agencies and to the creditors. 
Also, I requested the following documents to be provided by these creditors to verify accounts ' information. 

1. A written contract and agreement between the creditors and me.

2. Original copy of the application of fraudulent accounts that are being reported on my credit report.

3. A statement from the person who witnessed and approved these accounts to be opened in my name. 

Even though the request was made to review these documents, the creditors basically ignored my demand and continuing to post accounts that are not mine. 

The fraudulent accounts ' information that is being posted on my credit report is, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX JPMCB CARD XXXX JPMCB CARD XXXX For the record, many different names were used to created fraudulent accounts.
Product: Debt collection

A debt validation letter was sent to CREDITORS COLLECTION SERVICES ON XX/XX/2020, certified with regard to a debt that appears on my credit report. CREDITORS COLLECTION SERVICES responded by letter that was received by me on XX/XX/2020. A response letter was sent back to CREDITORS COLLECTION SERVICES ON XX/XX/2020. The response that was sent to me a statement not a signed invoice had two different amounts on it for XXXX, and then XXXX for patient balance due, and then XXXX on my credit report. I have not received a response from CREDITORS COLLECTION SERVICES with the proper documents. 

What is reported on credit report : XXXX XXXX OF XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I already disputed this and information is correct. The Open/ closed is incorrect, late payments are incorrect, and the balance is incorrect. 

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

15 U.S.. 1681 section 604 A. It also state a consumer reporting agency can not furnish a account without my written instructions.