23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Greetings, I XXXX XXXX XXXX, come with peace. This letter is to inform you that I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. AMERICAN HONDA FINANCE, LLC the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor, Flesh and blood human being. AMERICAN HONDA FINANCE, LLC is in violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts AMERICAN HONDA FINANCE, LLC may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint because I have a debt collection agency that is not mine. This collection is from XXXX XXXX for the amount of {$1000.00}, and my rights under the FCRA 15 U.S. Code 1692c are being violated. I do not owe this debt and I'm disputing it. They have never verified this debt.
Product: Debt collection

Discover Financial ( as listed on the caller ID ) using the number XXXX has repeatedly called my XXXX-year-old grandmother at her phone number multiple times per day every day for the past two weeks to collect my debt. She has told them every time she talks to them not to call her because she is not involved in the matter. Discover financial has my number on file. How did they even get my grandmother 's phone number?
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit there are false information name, birthdate, addresses, credit pull. And false credit on my credit. Please remove these items. 
I did not authorize my credit to be pulled or and companies for collection under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I filed a dispute in regards to the incorrect items on my credit report and its been 30 days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

The information on account is innacurate and should be updated to match identification
Product: Credit card or prepaid card

I applied for the Citi Simplicity card. I got a denial because of too many credit inquires, three to be exact. I tried to call to speak with someone at four different phone numbers and could not even get a representative to speak with. One of the inquiries was a recently open card that I would be closing and transferring the balance to the Citi card. If a bank is going to deny you only on three inquiries there should be some one to talk to about the denial
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following account. Block and remove them. 


XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Charges made to my Wells Fargo credit card out of state where I live.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Call and waited for chat no response on the charges that were made XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Waited for cash app customer service no live agent was available to solve problem XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5.00} XXXX  And payment made throughout the year to certain users I dont recognize
Product: Money transfer, virtual currency, or money service

I was charged {$980.00} by a scammer falsifying their identity and creating a fake email under the name and identity of someone i knew. I sent the money to the venmo account they asked and the next day realized it was fraudulent and reached out to both Venmo and my bank. My bank reversed the money a few days later but Venmo suspended and then banned my account as a result
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive spoken to all three credit bureaus in regards to this matter and to no avail the matter still hasnt been handled. My complaint is in regards to the original creditor selling my debt to a third party and they are both still reporting the debt. First issue is the original creditor closed and sold the debt, yet they are still reporting to all three major credit bureaus and its hurting my credit, second, the third party collection agency are reporting a different open date, they are reporting a different amount than what the original creditor is reporting and they never sent out any proof of debt. By law, per fdcpa I have no obligations to the third party collection agency and I have a right as a consumer to protect myself and my credit. This is unlawful and inhuman to do this to an individual who is having a financially had time and to be reporting the same debt twice is hurting me financially, emotionally and physically. I cant move on with my life with these items constantly reporting to my credit. These items has to be removed from my credit report due to the violation ( s ). I am giving the respective companies 30-days to handle this matter, otherwise I will be forced to move forward legally.
Product: Credit card

I worked for a company XXXX years ago. The company gave me a corporate card to use for FDA regulated meals that were conducted in doctors offices. I did not have access to the card account nor were any of the bills ever sent to me they were sent directly to the corporation. I left the company and when I left as far as I knew, I closed out all my expenses and my corporate card was finalized. Again, I never received any type of notifications from American Express saying that there was a balance. Supposedly all of the notifications of a balance were sent to the corporation. American Express never made me aware of this for XXXX years. Now they are withholding my Membership rewards and telling me that I am responsible for the balance. I have a platinum card with them, a gold business card and a savings account. Having issues with my membership points causes me a lot of issues and money. The corporation is saying because it was my balance to take care of that. It is my problem and the credit card company isnt helping any at all either. I dont think it is fair that I was never sent one notification or communicated the issue for XXXX years and now it has been sent to a collection agency. I could use some help solving this problem with American Express
Product: Debt collection

when I questioned who was the borrower they sent information saying they needed more information and never did answer valid questions even when the CORPORATIONS were put on the XXXX for discharge they never answered who the Borrower is they took money from my Social Security and never gave it back. Under Threat duress and coercion I was forced to make payment arrangements, now all of the CORPORATIONS are registered securities on my XXXXXXXX XXXX XXXXXXXX for XXXX  years under the number XXXX XXXXXXXX. My XXXX number is XXXX, this is the number that is a XXXX XXXX number.
Product: Credit reporting or other personal consumer reports

I Am unaware of this debt and i did not have the proper oportunity to dispute this debt. 

However, if you believe is mine I would like to request from you the certified receipts with my signature where I receive proper notice from you, 15 USC 16 81 I 5 requieres a debt collector to properly notify a debtor of any debt collection account they received within 5 days. 

You may send the certified return With signature that you send me to my current adresss
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance $ XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Contact info Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX CREDIT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Mortgage

In XX/XX/XXXX I entered into forbearance with cross country Mortgage LLC They told me my options in XXXX of XXXX I asked to leave the forbearance and asked for a loan modification. they said I pay a certain amount for three months and wait to see if I am approved. I call once a month and check to make sure I am doing everything right I have been sending them money every month and they have my money in a hold account I have been doing this now for a year and they have not let me out of loss mitigation they said I was approved for a modification and that I am now in closing I wrote them a RESPA letter asking for paper work I have not received a thing from them just a statement saying they are going to do an appraisal on my home and I have to pay for it I still calling them once a month and been told the same thing I was approved and that's all they will say. I have been trying to get out of loss mitigation and Cross Country Mortgage LLC will not let me out they have over XXXX XXXX of my money in a hold account I only owe them XXXX there's a huge difference
Product: Student loan

For over 3 months none of my payments have been processed on my student loans account with Nelnet. I have my account set up on " auto-pay '' and still Nelnet claims I'm " missing payments '', even though Nelnet has NEVER communicated WHY this is happening. 

When I noticed the first missing payment, I paid twice the amount to cover the late fee and next month due. Despite this, it wasn't until today that I was made fully aware not a single payment has posted on my account since XX/XX/XXXX. The only reason why the XX/XX/XXXX payment was processed is because I paid the loan through the StudentAid.gov website. I preferred to continue paying my loans via StudentAid.gov, but StudentAid.gov sent a notice that they are no accepting loan payments through their website.

Regardless, I have zero communication from Nelnet explaining how, when, or WHY my payments are not being acknowledged. I have multiple email screenshots where Nelnet sent a payment confirmation, including a transaction number. 

I have made multiple efforts to contact Nelnet, but my calls go unanswered after waiting on the line for over 2 hours. I filed a complaint with StudentAid.gov, but I was advised to seek payment assistance. I don't need financial assistance. I need my payments to reflect on my account! I fear my credit score will be negatively affected and I fear that I am being forced into forbearance.

Please help! I just want to pay my loans!? PLEASE!
Product: Credit card

I received a phone call this morning from ( XXXX ) XXXX about my Sams Club MasterCard. The caller said they were from the Fraud Division of the credit card company, and they were investigating two suspected fraudulent transactions this morning that originated in Michigan. The first was from WalMart for {$120.00} and the other was from Amazon for {$90.00}. He then verified my mailing address and email address. He then wanted me to read him my credit card number to verify my account. I grew increasingly suspicious and hung up on him. I then called the Customer Service number on the back of my card, and they confirmed that the caller did not work for them.
Product: Credit reporting or other personal consumer reports

I am REWRITING to formally resubmit the complaint to DIGITAL FEDERAL CRE regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I canceled equifax credit services and they keep enrolling me in it, without my consent, as well as trying to charge my card after cancellation without my consent and making it difficult for me to cancel online, and offering me no explanation when I called in to stop them from charging me for the membership I canceled. Dropping my score when the payment fails. Disabled my cancellation button after I cancelled. When I called the answer I received was I canceled in the middle of a bill cycle so the product does not cancel even though I cancelled it. I dont understand the explanation they gave me when I called them.
Product: Credit reporting or other personal consumer reports

Transunion Report. 

Address : XXXX XXXX XXXX XXXX, XXXX, Illinois, XXXX Phone number : XXXX XXXX XXXX Website www.transunion.com 1. in accordance with the Fair Credit Reporting act XXXX  Account number 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. 2. in accordance with the Fair Credit Reporting act XXXX Account number 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. 3. in accordance with the Fair Credit Reporting act XXXX Account number 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. 4. in accordance with the Fair Credit Reporting act XXXX Account number 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. 5. in accordance with the Fair Credit Reporting act XXXX Account number 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.
Product: Checking or savings account

Hello XXXX, USAA is refusing to give access to my account. I recently changed my phone carrier. This resulted in my number being changed. Now, I can not access my bank account.

USAA blatantly refused to give me access even though they can verify my identity over the phone and talk to my about my account. They require documentation to be submitted. Their website only allows ( XXXX ) document to be uploaded at a time before receiving a phone call. USAA can wait up to ( 3 ) days to call. Then they can request more documents and the process starts over. This is unacceptable.

I am sure thousands of people have been locked out and USAA has refused access for weeks or longer. I can only imagine the amount of money people have lost due to USAA policies and negligent behavior. I have been refused on multiple calls and have told to seek legal assistance if I want to regain access to or close my account. 

Secondly, USAA participates in illegal discrimination of the public and it's customers. 1964 anti discrimination act states private companies can not discriminate. USAA discriminates based on the class of military or non military. This is a blatant form of segregation which is illegal. 

I requested assistance with this matter. Subpoena my phone conversations. The evidence is blatant. I am not being allowed access to my account regardless of the financial implications. I have multiple account with financial institutions and lending organizations. Not a single one has refused to update my phone number after voice verification in a call. USAA is the only organization that is actively refusing access and I believe it is based upon discrimination. 

I have posted my story on many platforms. I want to say I am surprised the amount of people coming forward sharing how they were almost evicted. Another shared how she complained to CFPB and she was finally given access after weeks of being stonewalled. Others describe major financial losses due to this organizations policies. I am sure they do not enforce these policies evenly across the board. This is another form of mass discrimination. 

Thanks
Product: Mortgage

I have asked for Cardinal Financial company , limited partnership to correct the warranty deed. If said, warranty deed is not accurate where it states I granted {$220000.00} executed and delivered to Cardinal Financial company , limited partnership. They have failed to even acknowledge this question. Instead, they continue to give their government agencies the same response document sent to me in XX/XX/2023. If the warranty deed is incorrect where it states that I granted, executed, and delivered the total sum of {$220000.00}, then we must correct the documents and not continue to look over this question. Is it true that I granted Cardinal Financial company , limited partnership, the total sum of {$220000.00} as as your warranty deed states? If not true, the validity of said warranty deed is definitely a question. Please provide proof that your warranty deed is either accurate or inaccurate. Acquiescence apply, and shall be enforced if Cardinal Financial company , limited partnership chooses to answer this question with prior responses, prior sent documents, are simply not answer the question in total, as Cardinal Financial company , limited partnership NEVER responded to said question of the validity of the warranty deed, which is proven by Cardinal financials, response, document, dated Roundabout XX/XX/2023, is Cardinal Financial company, limited partnerships warranty deed in error, were it states I gave Cardinal Financial company , limited partnership the total sum of {$220000.00}. It is seemingly evident that Cardinal Financial company , limited partnership, is conspiring to steal my asset. As have no debts which is further evident by the secretary state of Texas.vCardinal Financial company, limited partnership, is fully aware that their company was granted {$220000.00} that was executed and delivered by myself XXXX XXXX, per Cardinal Financial company, limited partnerships warranty deed in which, promissory note in connection to said warranty deed affirms without a shadow of a doubt that I delivered the sum amount of principal payment {$220000.00}, paid to the order of Cardinal Financial company , limited partnership, as evident by the the secretary state of Texas authenticated document, proves there isnt any liens or debts against my name.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I received in the mail a Cash App Visa card that I never applied for. 

2 weeks prior, a Cash App withdrawal and other withdrawals were fraudulently taken from my bank account, which my bank immediately corrected. 

I am suspicious that what happened 2 weeks ago is connected to my receiving an unapplied for Cash App Visa card. 

I can not contact Cash App by phone or email as I have searched for a number. I want NOTHING to do with Cash App ... NO ADVERTISEMENT ... etc.! 

At this point, this company has my name on a Visa Debit Card, with an account number, expiration date, and CVV # wanting me to  activate. 

Since I can not contact them, how can I be removed from their company?
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of 2022, I took out a loan. I tried to set up payment plans and they denied my ability to change payment status. Now, my credit report has this information and I have negative impacts on my credit report. I asked for accurate reporting info and did not receive it. This was in XX/XX/. Interest continues to incur and I've tried to dispute with XXXX but these issues have continued to impact my credit.
Product: Debt collection

I was granted a XXXX XXXX dismissal and I paid XXXX cash to settle ALL my accounts which every single one was zero'ed put on all my credit reports except XXXX with citibank ( XXXX XXXX now for XXXX ). I have been diagnosed with XXXX in both hips and can no longer do hospitality after XXXX years per my team of doctors. This XXXX XXXX XXXXXXXX was the result of being left destitute after my marriage of XXXX years, and I am slowly still rebuilding XXXX years later. Please help me put this debt where it belongs which is within my XXXX XXXX XXXX  from XXXX of XXXX as I have an outstanding credit record for decades before that marriage as I funded his dreams which I had to learn the hard way to NEVER do again : ( Thank you in advance for your kindness and help with this matter. God bless you!
Product: Mortgage

California requires that lenders of loans on California properties must meet certain conditions to REQUIRE impound accounts. My lender, despite multiple attempts over years, will not provide me information on the conditions that believe they have met. 
There is also a provision to pay interest on impound funds which that they have ignored questions on or said verbally that they do not pay interest. 

The CFPB is my last option as they are unwilling and/or unqualified to answer these questions. All answers are vague responses to their own internal requirements.
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 account 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 or 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 know or has reasonable cause to believe that the information is inaccurate