23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I reported my Vehicle as paid off from XXXX XXXX   XXXX formerly XXXX XXXX. This information was given to XXXX and Equifax via an upload of document mailed to me by the creditor and a case for dispute opened. 
XXXX reported the case as resolved stating this will remain on my credit file.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit bureau agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Credit Card account opened with XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number. ( XXXX ), an credit card account open with XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), an credit card account open with XXXX  XXXX on XXXX XXXX under the account number ( XXXX ), an credit card account open with XXXX XXXX on XXXX XXXX XXXX under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I opened an account with Capital One and when I paid by endorsing my bill of exchange according to the Bills of Exchange Act they completely ignored the instructions I gave them to transfer my principal 's balance to the principal 's account. On XX/XX/, I sent the instructions with the negotiable instrument that they provided correctly and gave them 5 business days to complete the instructions, They then restricted my account. After that, on XX/XX/, I sent them the instructions again to give them an opportunity to cure and they ignored me again. on XX/XX/, I then sent them instructions the third time titled default notice and they ignored me again and also sent me another bill. I have performed in good faith according to the bill of the Exchange Act, I also sent them the laws to reference Federal Reserve Act Section 16 explaining that the Collateral Security is the Application they received. The XXXX completely ignored my instructions. I have all the proof and enforcing Federal Reserve Act Section 29. For Breach of Contract. 

Please Note every time I send communication include a copy of the instructions and a copy of the coupon. this is a pattern of non-performance. Federal Reserve Act 29.
Product: Student loan

Went to XXXX XXXX in XXXX XXXX  in XXXX and School was closed for preditory lending. I was sold on classes that were not pretaining to my corse of study also forced to take the loan knowing full well there was no way I could pay them back. 

A personal loan was taken out with XXXX XXXX, after XXXX was forced to close Navient took over the debt from XXXX XXXX and now requesting payment. 

Since attending I was in a XXXX  XXXX and was never notified of the submittal to settle as my attorney handled all debt, During that time Navient was not allowed to contact me of the debt, Now that the XXXX  XXXX is clear Navient is trying to collect. 

This dept should fall under the pending law suit settlement announced on XX/XX/XXXX by CFPB that Navient settled XXXX in debt cancellation.
Product: Mortgage

Hunt Leibert Jacobson P.C. ( HL ) has filed a foreclosure complaint in the XXXX Ct Superior court without the validation/verification required by the FDCPA, which was clearly requested by me, a defendant. In the summons they attached a letter stating they would not proceed until validation was given. They went ahead and have filed suit, months have passed with no validation. In a previous foreclosure on the same mortgage the court ordered the same plaintiff to file a new complaint and SHOW INTEREST. They have filed the complaint without showing interest. Per FDCPA the mortgage and note were rescinded and the rescission recorded on the land record in 2009. Plaintiff knows this from being served the rescission and from the previous court case that they withdrew. The supreme court is clear that the Federal Statute renders the mortgage and note void, and that disputed or not, it stands. TILA is clear a suit must be brought within XXXX, to dispute the rescission. HL and its attorneys are using the court to steal a property, knowing the mortgage and note have been void for years and further ignoring their letter that nothing would go forward without validation. Validation is legal impossibility with rescission. Foreclosure is a legal impossibility with a void mortgage and note. 
Connecticut requires a foreclosure case to move every fourteen days, the case is sitting there with no activity as there is no validation and no interest shown as required by the court. 
HL will probably file a default and a motion to foreclosure for failure to plead on the part of the defendants, when the plaintiff has not complied with federal statutes. Defendants should not have to plead when HL said it would not go forward with the case. I can not be in default on a void mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second capital one credit card to appear under my credit history. I have a freeze on my account too but it keeps appearing. Its not mine and when I go to calm capital one to close it, they cant find an account associated with my social security number. Ive never used capital one. But somehow I keep getting cards opened under my name on my credit report. Also how does a credit card keep being issued under me when I have a credit freeze?
Product: Money transfer, virtual currency, or money service

I began using Venmo only 2 weeks ago and feel this company is a total scam used to collect people's information and then deactivate their account for no justifiable reason whatsoever.  On XX/XX/XXXXXXXX XXXX. With customer relations informed me my account was frozen and i needed to send in copies of my ID, photos of my actual debit and credit cards registered in my account, as well as bank statements for those accounts.  I sent them all my information as agreed which I thought was rather suspicious needing all that to simply verify my identity and ownership of my accounts and then after I sent all of those things, without any justification deactivated my account.  I suddenly start seeing fraudulent charges on those accounts I sent to them.  Is it by belief this company simply collects people account information and once received close their accounts only to sell that information to who knows where cause I never had fraudulent charges on my accounts until I sent this company all my financial data they asked for..
Product: Debt collection

CACH , LLC is on my credit report as the collector for XXXX. I, at XXXX time, had an XXXX credit card. I did a balance transfer in XXXX of my XXXX account balance to my XXXX XXXX XXXX Credit Card to take advantage of a lower interest rate promotion. The XXXX credit card was closed with this transaction. I closed my XXXX XXXX XXXX credit card account in XXXX after I started to experience financial difficulties, but continued to pay the debt to XXXX until I could no longer do so. I stopped paying XXXX XXXX XXXX in XXXX or XXXX. XXXX XXXX XXXX this past XXXX did a charge-back and sent me a XXXX Statement of Income that I had to file on my XXXX Federal Income Tax Return and claim over {$14000.00} of bad debt ordinary income. This was added to my retirement benefit payments income and left me with a tax bill that I have no choice but to pay in monthly installments. When I pulled my credit reports in XXXX and saw the CACH , LLC collection for XXXX I saw the error. Record of my XXXX balance transfer must have been made available in the post-merger XXXX XXXX XXXX files, sometime after XXXX merger of the banks. I do n't owe any money to XXXX. XXXX XXXX XXXX paid them off in XXXX ( or maybe XXXX ), over 10 years ago. I have had no dealings with XXXX for over a decade. I 'm paying whatever portion of the XXXX XXXX XXXX credit card balance used to hype my XXXX personal income, if any remains from the XXXX balance transfer and close of the XXXX credit card account, in monthly installments to IRS. At best this collection account is too old and XXXX stated mistakenly as the original creditor, so it would appear to be a separate debt from the XXXX XXXX XXXX credit card charge-back. CACH , LLC on behalf of XXXX appears to be using old, settled debt to pressure me into paying them money not owed by me.
Product: Credit reporting or other personal consumer reports

I HAVE HARD INQUIRIES THAT I DIDNT NOT AGRRE TO NOR HAVE KNOWLEDGE OF WITHOUT MY CONSENT THAT CAUSED MY VREDIT TO DROP IN A BAD SPARROW AND I NEED TO GET THEM ALL WIPED AWAY ASAP BECAUSE OF HINDERING ME FROM THINGS I CANT POSSIBLY DO SUCH AS GET A HOUSE OR A VEHICLE IVE BEEN TRYINGBTO GET YHIS UNDER CONTROL FOR THE LAST FEE YEARS NOW THAT I HAVE THE RIGHT RESOURCES AND TOOLS ILL LIKE TO CARRYON ON GETTING MYBTHINGS IN ORDER FOR OTHER PARTNERSHIP TO MAKE MY LIFE BETTER HOW I PLANNED IT.
Product: Checking or savings account

A person deposited {$200.00} dollars into my account via Quickpay service of Chase bank. ( Note : You do not have to confirm a payment from a person, funds show up in account ) * {$100.00} was the agreed upon from a person who bought an item from me online, via an online website service like XXXX. * The person sending it was a fraud, on XXXX XXXX, 2017. They were using someones account to pay for an item purchased from me. <P/>Chase bank freezes my account, b/c of an escalated claims case. <P/>So what happens here, is Chase determines to stop payment from all my autopayments from various credit cards. <P/>Various companies are going to take advantage of me because of the banks decision. -- -- -- -- -- My XXXX Card, i turned off autopayment.. and my grandmother called in to pay for the bill. What ends up happening, is they said " it was too late that you turned off your autopayment, b/c we billed the bank already.. '' Plus : " your grandmother must have gave us the wrong number of her bank account '' So they hit me twice, with {$27.00} dollar fees. {$54.00} in total. <P/>My gas card, I paid after they froze the account. Cumberland farms now wants {$25.00} fee, and the original cost of the gas. They only gave me a few days to pay it, or it goes to an agency they said. I have a payment pending, which is my electric bill, recently paid. I am a little worried they might not get their money. -- -- -- -- -- -- Being a customer of Chase was convenient, and it was working out fine with them. But they overabuse their power.. and I did not do anything illegal. It could have been anyone, as long as their account is opened to receive direct deposits. If someone just puts money into your account, and then disputes it later. They have the right to freeze your account. That power should be taken away from them. <P/>I am a poor man, on XXXX XXXX XXXX I have a very low income, and I am in debt. These fees, and the Banks decision to freeze my account, pending a claims case, was a harming emotional experience I never want to go through again. I had to work around the clock to try to fix this.. but they still win.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX, Account # 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 an account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear XXXX XXXX, XXXX/ LVNV Funding I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or purchase agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank is violating 15 USC by failing to mark my credit reports as disputed within 30 days of receiving my written dispute. They have also failed to provide me with complete and accurate investigation results. 

I am requesting that Comenity Bank remove all negative tradelines they are reporting under my social security number to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts on my credit report that do not belong to me I have been disputing these since XX/XX/2020 but I have heard nothing back I have opened an FTC and filled and have a notarized Affidavit for Identity theft and still nothing is being done I have gotten no emails back or dispute results this is my last resort before I open a police report. 
Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Debt collection

In XXXX of XXXX  I terminated my internet connection with XXXX XXXX. I had been a customer for many years and never been late one time on monthly fees. At termination of service, XXXX sent me a box to return the equipment via XXXX. The equipment was promptly packaged and returned as instructed. I absolutely had no need for the equipment and was glad to get it out of my way. In XXXX of XXXX  XXXX billed me for the equipment. Prior to packing the equipment, I took a picture of the shipping label. I provided that information to XXXX. I assumed that met their requirements. A few months later I was contacted by a debt collection agency. I provided the same information and they continued to insist I owed this debt. After a few more months a second collection agency contacted me and in addition to asking me to pay for the returned equipment they stated I did not pay a monthly service fee. Again, I provided the information and this time provided proof that the monthly service fee was paid. Now I have been contacted by a third collection agency and again I have provided the shipping information. It is not my fault that this happened during the XXXX lockdown timeframe. I am very frustrated by this whole process. In addition, doing a quick XXXX search shows this seems to be a common business process.
Product: Credit card

This is by far a very XXXX  company. 
I was never late on my account. They called me, harassed, gave me a late payment when I was never late. I was on the phone for hours. XXXX XXXX and XXXX XXXX are frauds. XXXX XXXX in XXXX are the lowest caliber. They also pulled my credit without my authorization on XX/XX/2023. The same day I spoke to this office. They create problems when I was never late in the first place. XXXX in customer service is where this started. Its criminal what this guy did. There is no accountability, creating risk, unsound business practices. My Counsel sent a demand letter and that was ignored. This company thinks they can do anything they want. The CFPB needs to step in and investigate. There are so many violations committed and the CFPB allows the constant unlawful behavior. The millions of dollars fined did not change anything. Its much worse. The director of the CFPB was emailed about this matter from my Attorney.
Product: Credit reporting or other personal consumer reports

Originally I was approved to receive a XXXX loan from Inclusive Action For the City, instead, they disbursed a smaller amount of XXXX. They then said that they would give me the rest after XXXX months of payments. I was struggling, but always paid, always kept in contact with them and was never 30 days late however, they decided to not keep their side of the deal and made an excuse why not to give me the remaining balance even though the XXXX was our original agreement. They never paid me that yet, they are reporting to my credit file that they have. Furthermore, I feel that they are reporting in error of the amount and payment history our of bully, spite and retaliation because I refused to sign the new docusign they sent over with the actual amount that they did loan me. They did not keep there agreement. In the interim of trying to solve this concern, they reported to my credit file that the debt is XXXX and a past due amount of XXXX and they keep reporting late to my credit file, while not trying to solve the concern, they still expect me to pay on a XXXX loan when they only disbursed partial of that. Their actions have hindered me from getting any other loan and has dropped my credit score by more than XXXX points. I would like to seek damages. The wild fires in CA has halted my business and because my score is now so low because of their false reporting, I am unable to get funding during this disaster and my business is folding all because this company is falsely reporting to the credit bureau to try and bully me in to signing a new docusign because they made the decision to not extend the remaining balance to me. I feel that Im also a victim of discrimination by this company as I am a female and minority owned business. When I tried to speak with them about it, they were rude and stand-off-ish. They have literally ruined my business by reporting that I am XXXX dollars late when I havent had any late payments on my file, other than this, for over XXXX years. I am unable to get any business funding because of their false reporting, bullying and being discriminatory towards me. Furthermore, this was a business loan however, they have reported this error to both my business file and my personal file. They have literally ruined me, over XXXX dollars that would have never been late had they fixed the problem. Since the problem remains unfixed, they are now repeatedly reporting late payments to my credit file to try and bully me to sign a new contract for the actual amount that I received rather than what they are falsely reporting to my credit file.
Product: Mortgage

We purchased a condo in XXXX XXXX, MO in XXXX XXXX. They ran the loan through Caliber Home Loans. First thing, was the property taxes were prorated, so we did not owe the entire year of XXXX taxes. So immediately after the XXXX XXXX house payment, they immediately took out {$1400.00} and sent it to XXXX County Assessment for the XXXX taxes ( which we did not owe ). Not realizing that had been done, then in XXXX XXXX, they sent in {$1100.00} to the XXXX County Assessment for taxes. Well, then in XXXX XXXX, we received a notice from XXXX County stating that the taxes had not been paid. We called Caliber and told them and asked what they did. They indicated that they had sent the payments. They gave me the dates and check number and amounts. Called XXXX County Assessment back, and sure enough they had received those checks, however, Caliber had put the wrong property description on it and since the amounts did not match up, the money is in limbo in XXXX County. Call Caliber back and told them that and that they needed to get ahold of XXXX County Assessment and get the legals corrected so the money could be applied. Questioned them at that time why we were paying the entire XXXX taxes and all I got was that they would look into it and it would take 20 days to fix it. Well, instead of fixing it, they took another {$2600.00} out of the escrow and paid XXXX County so the taxes would be paid. Now, XXXX, we receive notice that they are doubling the monthly payment because we are now in the hole over {$3000.00} because they have mis-handled our escrow account. I called them and demanded a full audit and told them I was not paying for their mistake and that they would have to eat it themselves. I gave them until XXXX XXXX to have it fixed and to return a call to me. As of today, XXXX XXXX, XXXX, I have heard nothing. When I tried to call them, you end up on hold for over 15 minutes or if you do get through, they put you on hold and that is where you sit until you hang up. If they have mis-handled our escrow, who else have they screwed up!
Product: Debt collection

Please see attached Cease & Desist letter dated XX/XX/year> to Midland Credit Management. They claiming that i owe this debt. I am requesting for Validation of this debt.
Product: Mortgage

This complaint follows two previous complaints XXXX and XXXX. 
Please incorporate those complaints into this complaint. The company AAG continues its practice of false statements to appease complaints file against AAG. 

See my attachments below for more detail.