23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A company called XXXX XXXX XXXX XXXX says they have a debt of my from a clinic called XXXX XXXX. So I  asked them how much they bought my debt for and they told me they are working with XXXX XXXX. So when I called them they said they had no records for or showing a debt that I owe. I was a patient with XXXX XXXX about 9 yrs ago. I 've been talking with rs Clark for the last couple of days to drop a debt that does not exist anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I called Western Union for the first time about this issue. They told me they will conduct an investigation and would let me know within 14 days.

I called back on XX/XX/XXXX I was giving a case number : XXXX and told me that someone was going to call me. When they called they said that I was going to receive and email giving me a new track number and also I was asked if I want the money in the mail or to pick it up from the office, at that time I said in the mail, again I have to wait about 14 days. I did not heard from them. When I called back XX/XX/XXXX I was giving a new case number:XXXX and they say that someone was going to call me within 48 hours to give a new track number to pick up the money. I went to the office but the clerk called Western Union to get the new track number and they never picked up. I called again on XX/XX/XXXX spoke to XXXX and told him that if I did not get an straight answer I was going to file a complain, he promise that my check was going to be in the mail within the next 24 hours. Until today no word from them.
Product: Mortgage

XXXX   XXXX   XXXX  is a victim of mortgage fraud by and through the   XXXX   XXXX   XXXX    a nd  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   or an agent thereof, has committed, to include but not limited to the following criminal offenses of identity theft, forgery and fraud against,  XXXX , the state of Georgia, and    XXXX    County,  by cr afting, creating and forging, a fictitious loan security deed & note. Unbeknownst to  XXXX , her mortgage was transferred and thereby illegally stealing her ownership of the deed of the property, located at  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX . I have the utmost confidence that our investigations team will prove all of the elements of an insider s Financial Fraud for  profit scheme that plagued  America i n recent past.     A criminal report of the alleged crimes are in the process of being investigated by  XXXX  Police Department Case #  XXXX . A Fraud Report has been reported to The  Georgia  Department  of Banking and Finance an d also with the  District Attorneys Office hav ing jurisdiction where the property is located. Additional complaints and report of Financial mortgage fraud are pending as of the date of this most recent CFPB complaint.     In conclusion, the alleged Trustee,   XXXX   XXXX   XXXX   XXXX   XXXX  , AS TRUSTEE FOR THE CERTIFICATE HOLDER OF   XXXX  IN. , ALTERNATIVE LOAN TRUST  XXXX , MORTGAGE PASS-THROUGH CERTIFICATES, SERIES  XXXX   XXXX   XXXX  -  XXXX ,   XXXX   XXXX    XXXX  NY  XXXX  is also fictitiously created. Bayview in its letter dated     XX/XX/XXXX    , provided a contact # for the alleged Trustee as (  XXXX  ). This number is actually for the promotional department of the  XXXX   XXXX  not the alleged Trustee . (  Case law is attached to show proof that ) please see attachments identified as (   XXXX  -AS-TRUSTEE-vs.- XXXX -Pages-from-the-AFFIDAVIT-OF- XXXX .pdf ) No interest can be transfered if  XXXX   XXXX   XXXX   XXXX  nor  XXXX  dba  XXXX   XXXX   XXXX   XXXX  nev er had  any interest to transfer in the said property because it was NEVER a corporation in  NEW YORK as   indicated o n the Security Note  and Deed. Because,   XXXX   XXXX   XXXX   XXXX   has been proven to NOT be a corporation, incoporated in the state o f New York, Th e alleged lender was never licensed or registered to do business as a mortgage lender or broker offering residential loans in the state of Georgia, in   XX/XX/XXXX .  Therefore,  XXXX   XXXX   XXXX   XXXX ,  XXXX  nor   XXXX   XXXX   XXXX  , can not prove any legitimately conceivable interest that could be assign to any said such  Trustee    XXXX   XXXX   XXXX   XXXX   XXXX  , as decided as a matter of  XXXX   XXXX  ( See attachment titled District Courts of Appeals .... )
Product: Payday loan, title loan, or personal loan

To whom it may concern, On XX/XX/XXXX, I went to Toyota of XXXX to get a diagnostic done on my vehicle. A sales manager brought up the idea of me selling my car to them and I was given a verbal offer of {$9000.00}. I let him know that I would shop around and make a decision. I returned to the dealership on XX/XX/XXXX and completed the appraisal to sell my car. At this time I was given a new amount of {$8000.00} to which I agreed to. I gave the dealership the vehicle, my keys, signed over my original title and received a receipt for the {$8000.00} appraisal. I was told to return on XX/XX/XXXX to retrieve the check for my vehicle. I filed a HSMV XXXX and surrendered my plates to the DMV. 

I was called on XX/XX/XXXX, and advised that the price had now changed to {$7000.00}. At this point, I frustrated as I felt that I was being taken advantage of. I returned to the dealership and a sales supervisor by the name of XXXX advised me that the sales manager was trying to get over on me and he does this to women often. I assumed this process was complete but, nearly a month later I have not received my check for my vehicle. I would like for this to be resolved and my check issued immediately. This is not a mom and pop dealership. This is a corporate location and this entire ordeal is unprofessional and tasteless. I should be treated as any other customer and this is unacceptable and needs to be handled with urgency. 

I have called the dealership numerous times to speak with the XXXX  & customer relations manager and they are never available. 

I will be sending an email to the CEO & board of directors about this poor experience.
Product: Credit reporting or other personal consumer reports

This complaint is being sent to notify CHASE Card to cease communication concerning the collection of any debts. The company is furnishing information to credit reporting agencies known as, XXXX XXXX, XXXX, and XXXX, without proper authority or consent. Using or attempting to use identifying information of another person without consent or authority is considered identity theft under Federal Law. 

The company failed to provide me with disclosures to opt out before disclosing any of my personal financial information to credit reporting agencies. As a result, information that has been disclosed to third parties has breached my privacy and damaged my credit rating, which has directly affected my access to credit for personal, family, and household purposes. 

I have been extremely violated. And I am exercising my rights rights under the Gramm Leach Bliley Act as well as the Fair Debt Collection Practices Act. Despite any " customer agreement '' it is the responsibility of the company to understand and respect the rights of consumers which have been granted by Congress and the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Experian has been reporting unverified and inaccurate information on my report for several years now. Despite the fact that these accounts are now past the statute of limitations and that I have disputed these items several times they refuse to remove the unverified information or provide proof of verification as I requested. XXXX was unable to very what was being reported on my report and so they deleted those items. I sent a follow suit letter to Experian and they have refused to comply and continue to update these accounts as verified. I am prepared to seek legal counsel to remedy this situation that has caused me years of financial hardship, lost employment opportunities, lost rental deposits, denial of mortgage loans, car loans, emotional and physical distress due to poor FICO scores caused by false reporting by these bureaus. My consumer rights have been violated REPEATEDLY and I demand that the following accounts be permanently deleted from my report in the next 1-2 business days and that these Bureaus be held accountable for the destruction they have caused!!! XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The home loan was transferred from XXXX to Caliber Home loans in XXXX XXXX. In XXXX XXXX, XXXX Caliber Home Loans filed a motion to cancel the foreclosure on my XXXX real property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX loan number XXXX. I made application for a loan modification. Despite the servicers motion to cancel the foreclosure sale the foreclosure sale was held by surprise. I have attempted to save my primary residence for my XXXX children. I have been told I have to vacate the house now. When I asked about relocation assistance monies and a move out date I was not given an answer. There is a pending appeal and pending eviction. The appeal attorney name is XXXX XXXX XXXX XXXXXXXXXXXX The eviction attorney name is XXXX XXXX XXXX XXXX. My first request is to follow up with the loan modification. My second request is to be given a XXXX XXXX, XXXX move out date with relocation assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind. 

Remove these items that are erroneous in my file for they do not belong there : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I only authorized XXXX XXXX to pull my credit through the car dealership and they went ahead and had 6 other financial institutions pull my credit without my consent and I specially told them not to do that prior to giving them my personal information and was assured it would not happen and it happened anyways and they lied and tried to excuse it away with phony articles stating even though they send your credit to a million banks it only counts as one inquiry. That is a lie as I have my credit report to prove otherwise. 
Because of this now I can not refinance my house and will be stuck with a higher mortgage payment. 
The only reason I even considered a new truck was because of XXXX offer of 0 % interest for 84 months and six months no payment and I even told them my score and asked if I would qualify since they know what score is needed to qualify for their deals and they once again lied and said yes. 
I am a single mom and I dont like being lied to and taken advantage of and my credit destroyed due to unethical and sneaky business practices of car dealerships.
Product: Money transfer, virtual currency, or money service

Hello but my Social Security has been used in afraid scandal.. and stock I bout with my XXXX  XXXX  card years ago have funds beyond image help me to help u ....
Product: Money transfer, virtual currency, or money service

I am reopening complaint number : XXXX To shed more light on this Scam and EAST-WEST involvement. Please see Attached invoices and wire receipts for XXXX XXXX Beneficiary : XXXX XXXX ( XXXX ) XXXX which is a client of EAST-WEST Bank . Sent to this Account Beneficiary twice on XX/XX/2022, and XX/XX/2022 The invoices were Addressed to my XXXX XXXX XXXX XXXX. The first wire was from XXXX XXXX XXXX from his company XXXX XXXX XXXX XXXX in the amount of $ XXXXSee Attached Legitimate wire transfer receipt The second invoice was sent from XXXX XXXX  XXXX XXXX from XXXX XXXX XXXX XXXX amount of {$28000.00}. See attached legitimate wire transfer receipt
Product: Credit card or prepaid card

Hello, I recieved a prepaid visa card in the amount of {$50.00} in late 2016. I tried to use it today only to find out that the company has been charging an " inactivity fee '' of {$2.00} per month. 

The balance on this {$50.00} gift card is now {$18.00} simply because I haven't used it. 

I looked into state law where I reside, Colorado, and found that such fees are unlawful. 

See : XXXX XXXX XXXX I called the company, XXXX ( a subsidiary of US Bank ) , and they informed me that their computers show that gift card balances in Colorado are able to be charged fees. 

The employee I spoke to who said this is : XXXX, ID # XXXX XXXX XXXX This is a clear violation of not only the law, but morality. The money is trivial, but the principle upon which they're pilfering from innocent people is sickening ... 

There was no apology, only circular logic read from a script as to why the fees where charged.
Product: Mortgage

Applied for FHA mortgage with more than 10 % to get denied multiple times because of inaccurate credit reporting and financial costs
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 all trading was disabled on my Coinbase XXXX  account again, and my attempts to place a sell order resulted in the following error message : 'SELLS ARE DISABLED. ' On XX/XX/2021 at XXXX XXXX  I wrote to Coinbase support to report the issue ( Case # XXXX ). 
On XX/XX/2021 at XXXX XXXX  I received an email from Coinbase Support asking what error message ( s ) I was receiving, and/or to provide a screenshot of the issue and upon receipt of the information requested above, they would work hard to quickly address this issue ( ref : XXXX : ref ) On XX/XX/2021 at XXXX XXXX  I replied to Coinbase Support via email providing an attachment with a screenshot of the issue showing the error message 'SELLS ARE DISABLED. ' On XX/XX/2021 all trading is still disabled on my account when this was supposedly resolved after a previous complaint to the CFPB.
Product: Debt collection

I dont know anything about this debt, never received anything about it, I need dates, times, and services. I had insurance so I dont know how I had this problem unless its not mine. I NEED SOME SORT OF PROOF THAT IT IS MINE THATS ALL IVE BEEN ASKING FOR XXXX XXXX XXXX I NEED TO SEE THE PROOF OR REMOVE THIS XXXX FROM MY CREDIT REPORT ASAP.
Product: Debt collection

XX/XX/2019 {$1100.00} I have contacted this company about this company. no result has been handle
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

I am trying to payoff my account the rep is refusing to give me overnight address. I am not asking for specific account information just general information.
Product: Credit card

I contracted with an individual owning an automobile restoration shop to repaint a vehicle owned by me. The individual requested that I pay a {$5000.00} deposit via XXXX to purchase materials and to start the labor. I did so using XXXX different credit cards, thinking that I would be doubly protected ( XXXX XXXX XXXX and my respective credit cards ' fraud protection policies. XXXX card was issued by Citibank, the other card was issued by XXXX XXXX ( XXXX XXXX ). Fast forward XXXX months after signing the contract, after being ghosted so many times and the person I contracted with being nonresponsive and full of excuses, I was told to have my vehicle picked up immediately. No substantive work had been done, and the materials that I supposedly purchased were not with the vehicle when it was picked up. I decided to file a fraud complaint with XXXX. XXXX said too bad, too late. Citi declined to allow me to dispute the charge, saying that there was a 90 day maximum. XXXX refused to assist. I have photographs of the car when it was picked up by the crook, and when it was picked up by my tow truck. I have the contract. I have text messages. It is VERY CLEAR that I was defrauded and the consumer protections offered by XXXX, and Citi have failed me.
Product: Debt collection

I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Credit Collection Services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 
As of XXXX XXXXXX/XX/2022 I have not received any documentary evidence such as a trilateral contract giving Credit collection services any right to collect on this alleged debt. I have never received any documentation requesting validation from credit collection services. 
If credit collection services can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 
I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until credit collection services can provide me with sufficient documentary evidence that I have any legal obligation to pay them.

If this documentary evidence can not be produced and credit collection services continues its collection efforts, I will file for litigation for actual damages caused and credit collection services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud.

Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f.

Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block Inc ) due to inadequate customer service and unfair practices, which violates Customer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.