23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened 2 savings accounts with Marcus a Goldman Sachs savings acct. i mailed in a check for a project i did for someone. 20. days later the check was credited to my acct. i tried to transfer some of the funds to my checking acct. they locked my accts. when i called and asked why they requested i send ba k statements from.the extenal checking acct which is XXXX. they would not let me email the info i had to send via mail. So 16 days later i call and they recieved the info. Now they want a bank statement from the person who wrote me the check?? they check cleared and they still will not release my money. i asked they close the accts and mail me the funds and they said no???
Product: Debt collection

On XX/XX/2019 I charged some items to my Victoria Secret Credit Card {$90.00}. The cashier was on line with a representative because the cashier was having problems with the credit card. The representative spoke to me on the phone both the cashier and representative were taking to long to take care of me so I told the cashier to cancel my purchase and she did by phone and transaction. I asked the cashier if my transaction was canceled correctly she said yes. I did not take the items the items were left at the counter and I left. The following month the bank was charging me for something that I don't have and months went by now creditor 's want to collect {$300.00} they are harrasing me for money that I do not owe and my credit is bad becuase of this please help with this situation.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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 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  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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 




XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX DEPT OF ED/XXXX, # XXXX US DEPT .OF EDUCATIO, # XXXX DPT EDXXXX, # 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: Credit reporting or other personal consumer reports

I recently received an email saying that I had a hard credit check on my account from Capital One. I have not signed up for anything with Capital One Bank. They said there was an inquiry on it.
Product: Mortgage

I have called nationstar mortgage several times spent several hours on the phone meet all the requirements to have them remove my PMI they wo n't mail me the proper documents they wo n't respond to my emails I have sent them ever thing they ask for but that XXXX document that they wo n't send me l paid over 28 % of my loan and my house has appraised for XXXX original loan was for XXXX I owe XXXX I need help since they keep making excuses
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPT OF ED/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Vehicle loan or lease

RE : Right of Rescission Dear Westlake Financial Services I XXXX XXXX original creditor and natural woman/man hereby rescind my consent to be liable or compelled to perform on to the contract and agreement I entered with XXXX XXXX on XX/XX/. 

I entered into this contract agreement with XXXX XXXX without : Full disclosure of my rights to rescind Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). 

I have reason to believe that XXXX XXXX willingly and knowingly took advantage of me and my consumer credit. 

I am NOT terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor, As I have found several violations and fraud. Notice that pursuant to 15 U.S. Code S 1635 ( b ) : upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 

In addition, I was given false and deceptive information, As i was informed that a down payment of {$7000.00} was needed for me to drive off the lot. Notice that Pursuant to 15 U.S. Code S 1635 : Within 20 ( twenty ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. Pursuant to ( 15 USC 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges Furthermore, the down payment reimbursement of {$7000.00} shall be made by check or money order payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding bought my XXXX  XXXX debt years ago and was paid off years ago. They have failed to provide me with a payoff letter after multiple request.
Product: Credit reporting

credit control corp XXXX Please note that this letter is NOT a request for VERIFICATION that the account exists, instead, I am seeking VALDIATION that I have a legal obligation to pay you for the account referenced above under the Fair Debt Collection Practices Act. 
In accordance with the Fair Debt Collection Practices Act, please provide me with the following : An explanation of what the money owed is for. 
An explanation of how the amount owed was calculated. 
Copies of any agreements signed obligating you to pay for the debt. 
Provide copies or other verification of any judgment ( if applicable ). 
Prove that federal and state statue of limitations applicable to the debt have not expired. 
Identify who the original creditor of the debt was. 
Provide verification that the collection agency is licensed to collect in my state. 
Provide their license numbers and registered agent. 
In addition, this letter serves to inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureau 's XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character In the event you are able to provide the requested documentation above, I will require at least 30 days to investigate this information during which time I expect no further contact from your offices or the company that you represent. 
Furthermore, during this 30 day validation period, if you take any action towards any of my credit reports which could be considered as having a negative effect, I will have no choice but consult with my legal counsel for suit. This includes listing any information to a credit reporting agency or other repository that could be inaccurate, invalidated and/or verifying that an account is accurate without having sufficient proof to back up such claim. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and once again I will have no choice but to seek the advice of counsel and file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. 
I look forward to you response and validation or deletion of the above referenced account so that I am not forced to proceed with any legal action.
Product: Debt collection

I received a statement from ARstrat collection agency on XXXX XXXX and XXXX XXXX stating, " We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX XXXX in the amount of {$1900.00}. '' I sent two certified letters on XX/XX/2024, and XX/XX/2024, asking this company to validate the debt because I never signed a contract with them. This collection account was fraudulently bought and sold. This same company sold my information to another company called XXXX XXXX XXXX after I asked for debt validation. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as XXXX8 U.S.C 1341 ( Mail Fraud ) and 18 U.S.C 1343 ( Wire Fraud ).
Product: Payday loan, title loan, or personal loan

I had a {$280.00} balance left over from a {$1200.00} installment loan and I noticed the next week my balance increased to {$380.00}. I spoke with XXXX and the disputes manager and she left me know that I had been overcharged due to their systems error. She assured me that my account will be corrected within 48hrs, but it has now been two weeks and even though I've called at least 4 times they keep telling me the same thing and reporting false information the the credit bureau.
Product: Debt collection

On XX/XX/2020 ( see attached letter ) Exhibit XXXX XXXX XXXX transfers to Shell point mortgage servicing. 
XXXX XXXX has no servicing rights. How can XXXX XXXX fraudulently transfer any servicing rights that they dont own?
Product: Prepaid card

I received a ACH transfer from XXXX  over the weekend due to a hardship withdrawal. Out the blue credit karma deactivated my karma account and froze my spend account. Ive reached out both via chat ( 7 documented times ) and phone ( 5 recorded times ) and am only being told that someone will follow up via email. I requested on XX/XX/24 for the money account to be closed due to no one being able to provide me any information and was told that they would not be closing the account. No email response from any team other than them saying my account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I was the victim of an extortion scam by people who pretended to be government ICE agents and XXXX XXXX Police. They used the correct numbers and location tags that corresponded with both agencies. The " ICE agents '' had me visit the ICE website and read multiple documents to ensure that I understood the consequences of refusing to comply with their investigation. 

They threatened to arrest me on identity theft charges and would use force if I tried to evade arrest. To avoid getting arrested altogether and continue the identity theft investigation as a free citizen, I had to pay the amount of an immigration bond. 

I was asked to download the app XXXX on my phone to grant remote access, which I didn't know. I was told that this app would be used to monitor my phone activity so that I wouldn't be suspected of running away from the current phone investigation. 

I made two separate Chase XXXX with XXXX transactions to an account that I was told would be my attorney for the investigation. The account was for XXXX XXXX, XXXX. The first transaction was {$1000.00} and the second was {$950.00}. 

After realizing I had been threatened by fake agents and police, I filed a complaint with XXXX, which they are investigating, and attempted to file a complaint with my Chase bank, but many Chase representatives have refused to submit a claim. One rep. finally submitted a claim, but it was rejected by Chase 's system and when I called about it, another rep. told me that Chase doesn't investigate any scams involving XXXX, even though this transaction was with Chase Bank. Overall, Chase Bank has been incredibly unhelpful. 

I also submitted complaints to the Federal Trade Commission, Federal Reserve Board, FBI : Internet Crime Complaint Center IC3, Fraud.org, Federal Deposit Insurance Corporation, and Department of Financial Protection and Innovation.
Product: Debt collection

I owed Original Creditor : XXXX XXXX, approximately, {$890.00}, however, that was in 2001. 
I received a letter yesterday, attempting to Collect on this " Over '' 10year, debt.This debt doen not even appear on my XXXX Credit report. Would you please " look '' into the Validity of this Nature, please. Thank-you, sincerely, XXXX XXXX XXXX.
Product: Debt collection

Dear MCM ; Midland ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting 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. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX XXXXas violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

Sun Trust Bank has been arranging it 's deductions from my account to result in overdraft fees. I have also been informed that it has done away with showing it 's customers a running balance, making it impossible to know one 's balance at any particular time or to reconcile one 's account. Such predatory practices have been instituted to directly increase the likelihood of customers incurring numerous overdraft fees. It is impossible to prevent such fees.
Product: Student loan

My federal student loans are with Navient. I qualify for the XXXX   Loan Forgiveness program and, to date, have submitted 3 different applications for that - all three being denied. For the second application attempt, two items were reported that I had to fix in order to reapply. I took care of those two items and resubmitted. That third submission was denied and this time they listed 3 different items that caused the denial. I submitted the same form as I did for the second submission ; the only difference is that the third one was corrected for the two items Navient said were missing in my second submission. Also, now they've put me on forbearance - they say to help me prepare yet another application for the forgiveness program. I do not want the forbearance because I've heard about the lawsuits against Navient. Thinking back, they have done the same after my earlier applications, so I believe I'm subject to the same illegal practices as loan holders in the 5 states suing Navient. However, I live in Michigan, a state that is not involved in the lawsuit. It is also the home of XXXX XXXX! In the meantime, I am looking into transferring those loans to my bank, as it was not my decision to have my loans transferred from the original loanholder, XXXX, to Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the 3 major credit bureau to have a bankruptcy remove my credit report. On XX/XX/2019 Experian removed this item from my credit report, than on XX/XX/2019 this agency put it right back on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DONT KNOW IF MY LETTERS ARE NOT BEING LOOKED AT BUT I HAVE TRIED TO CONTACT THE CREDIT REPORTING AGENCIES ABOUT Credit Inquiries THEY DONT BELONGS TO ME. IF I DONT GET THEM REOVED I WILL SUE ALL THREE CREDIT AGENCIESD AND I WILL WIN.