23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 I XXXX XXXX filed a complaint with your firm : Complaint Numbers : XXXX and XXXX. XXXX XXXX  XXXX HAS NOT RESPONDED TO THE ORIGINAL COMPLAINT YET THE CLAIM WAS CLOSED AND THE PROBLEMS ARE CONCURRENT AND UNRESOLVED. To date, I XXXX XXXX have not received a response from XXXX XXXX from PREVIOUS federal complaint. XXXX XXXX XXXX  are still attempting to illegally foreclose on my home. As stated on XX/XX/2020, XXXX XXXX  XXXX purports to be the servicer of my home loan. They claim in writing that XXXX XXXX  owns my loan yet when I call to verify whom owns my loan ; XXXX then claims XXXX XXXX XXXX XXXX. owns my loan. I have proof that neither XXXX nor XXXX XXXX owns my loan. ( attached ) XXXX XXXX  XXXX then fires XXXX XXXX. as their foreclosure attorney and then hires Aldridge Pite LLP as of XX/XX/2020. XXXX does not have the authority to act as a servicer on behalf of XXXX or XXXX XXXX because ; XXXX and XXXX XXXX do not have interest in the loan/home. Wherefore, there actions are illegal and criminal. To be more specific these actions are considered illegal foreclosure, fraud and theft by taking. Aldridge Pite LLP will received proof from me that XXXX does not own my loan. I also asked the firm to validate the debt. Their actions ( XXXX XXXX  and Aldridge Pite LLP ) could violate the FDCPA as well as the standard foreclosure procedures legally needed to foreclose on a home in the state of Georgia. In the state of Georgia ONLY THE SECURED CREDITOR CAN FORECLOSE. Aldridge Pite LLP are aware of the laws that govern Georgia Foreclosures. I would like Aldridge Pite LLP and XXXX to prove that XXXX owns my loan prior to them attempting foreclose which is my right to know. It is also my right to verify that the servicer of my loan and their 3rd party debt collector are collecting on behalf of the creditor of my home loan. This also puts me at a disadvantage as whenever my wife and I TRY RELIEF PROGRAMS WE ARE DENIED BECAUSE THE ADVOCATION AGENCIES CANT VERIFY WHOM OWNES MY LOAN.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with NELNET LOAN SERVICES INC on XX/XX/2006. I used my credit card as defined under 15 usc 1602 ( L ) and there was a finance charge involved as defined under15 usc 1605. NELNET LOAN SERVICES INC then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian Credit Bureau on XX/XX/, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXXXXXX XXXX Balance {$610.00}.
Product: Student loan

Since XX/XX/2019, I receive monthly calls from Discover student loans about past due amounts. I have 4 loans. I make the payments and their computer system does not allocate the payments correctly. Often it overlooks the big loan and over allocates to the smaller loan. For over a year now, I have to call because they will not act on email or letter, and it wastes between 40-65 minutes of my time to get it reallocated. I get phone messages and hang ups from this company all the time. I was told that unless I signed up for direct withdrawal from my account, I would have to go through this every month. Finally after over a year, an associated stated that if I made 4 payments with separate numbers, that would fix the problem. I have done this. In the meantime, they are still showing an overdue balance that is not right as, once again, the previous month one payment was made and it was misallocated. For over a year and countless hours with harassing calls, I am at my wits end. I feel coerced in that they want control over my account and they waste my time every month to fix their computer error. I told them this was bad business practice and coercion. This can not continue and so I am filing a report. With all their bad business practices, they even compromised my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 Citibank North America made two hard inquiries on my credit file. One is titled STAPLES/CBNA and the other is titled CITIBANK NA/THD. These were made due to identity theft. I did not apply for these accounts.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CRPBs findings indicate that Zelle has not only neglected to protect consumers but have also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. Some items have come off however there are more that are not mine and has not been removed.I am doing this on my own behalf and really need help to get these items off my credit report.XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX Experian : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX Experian : XXXX XXXX : XXXX, XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX : XXXX Experian : XXXX XXXXXXXX  : XXXX, XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX.
Product: Checking or savings account

This is the second filing of complaint against USAA Federal Savings Bank. We received a response back from USAA today via CFPB and the response is riddled with lies and deceit. Wrong dates- absolute lies- writing in the response that I contacted USAA on the phone with my daughter on XX/XX/XXXX. Absolute lie. I have my phone documentation to prove in court this is a lie. The reason why this is important because it allows for USAA to change its narrative in how they mishandled my daughters account from that point on and before that. No, I did not call USAA with my daughter on XX/XX/XXXX like their response states. And no a FRAUD report was not generated until XX/XX/XXXX when I FIRST CALLED USAA about the suspicious activity. According to the representative ( well USAA calls it advisor XXXX XXXX she told me their were no notations on the account regarding the fraudulent activity and she then generated a crime report ( fraud report ) for the fraud transactions totaling more than {$1000.00}. And USAA writes that my husband confirmed with USAA that yes our daughter deposited the checks. Absolute LIE by USAA. My husband confirmed to me tonight he did not do any such thing. USAA in their response to us regarding the fraud transactions on my daughters account is full of contradiction and back pedaling. No way does it address the negligence that occurred in the disregard that USAA took in allowing for these transactions to go forward resulting in her negative balance in her youth spending account. Never in her whole conception within USAA and her youth spending account did her account ever go in the negatives nor did that much money even over {$200.00} ever move in her account EVER. Obviously USAA needs to look up the definition again what happens when someone is scammed. They should know since USAA itself is targeted by scammers and people posing as USAA reps. My daughter was scammed by an impersonator and someone who had access to her personal information which resulted in her youth spending account to be severely compromised- and USAA allowed for it to happen. We are still seeking our refund of {$990.00} to put our daughters bank account to the rightful place where it should be. USAA wants my XXXX XXXX XXXX XXXX  to file for bankruptcy and ruin her life all because she was a victim of a ruthless scam. They dont care. USAA needs to be held accountable for their blatant lies. OUR STORY HAS NEVER WAIVERED. We seek our refund in the form of {$990.00}. If we do not obtain this refund from USAA we are terminating are almost XXXX  year banking relationship with them and we are seeking legal counsel.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXXXXXX XXXX XXXX XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I have a merchant account with Bank of America that is tied to my Business Checking Account with them. I just started a new business, a XXXX XXXX, and regularly take payments from customers through a credit card terminal. Bank of America 's Merchant Services keeps putting my transactions on hold for weeks at a time. When I talk to  customer service representatives, they say that the risk management team is reviewing the transactions and they can't do anything about it. I try to contact the risk management team but the XXXX line for them goes to voicemail every time and noone from that department has responded to the messages I sent. Last month, they hed funds from XX/XX/XXXX to XX/XX/XXXX before releasing them. They starting holding funds again since XX/XX/XXXX and, again, customer service claims they are unable to help and the risk management department is not answering or returning any phone calls. As a result of them holding my money for weeks on end without any reason or remedy, I am falling behind on bills for the business ( rent, car payments, employee payroll ) and personal bills as well.
Product: Debt collection

This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( XXXX  ). I request that you provide : Proof that this debt is mine and legally enforceable. 
The original signed agreement or contract linking me to this account. 
Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my free annual credit report from all three credit reporting agencies ( by phone ) on XX/XX/XXXX. I received my reports from all credit bureaus but Equifax. They never want to send it. Please assist. My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/XXXX Last four of social : XXXX
Product: Credit card or prepaid card

Cashapp stole {$48.00} from my account, when I asked why the money was missing from my account they claimed a technical error occurred between XX/XX/2023 and XX/XX/2023. They said the error caused a payment to a merchant to not successfully go through. When I asked what merchant, date the technical error occurred and for how much the supposed transaction was for and they were unable to provide that information! I asked them to start an investigation because they took my money in error and now they keep asking me to select a transaction to dispute. There is no transaction because cashapp took the money and wont tell me for what merchant, transaction, date and amount of transaction that supposedly didnt get paid due to their technical issues. It also doesnt show a transaction in my activity log but you can see the money is missing because I had just received a payment.
Product: Credit card

Payment processors are sneakily trying to remove my ability to purchase XXXX XXXX XXXX content by coercing companies to follow their policies on said content, as can be seen here Effective XX/XX/2024 the website, XXXX, is the most recent victim of the monopoly of payment processors and has disallowed XXXX XXXX  content to be purchased on their website This directly harms the artists financially and also denies them and the consumers their freedom of expression XXXX content is covered under the first amendment and the platforms being affected are digital. There is not much consumer choice among payment processors so it is currently not possible to find a processor which has not been trying to use its size and influence to XXXX  its political views on XXXX content into my ability to make purchases Because the policies of the payment processors are blanket for the platform, it is also not possible to find an alternative payment method, such as cash or crypto currency, to purchase this legal content. If this is allowed to continue, it will not be farfetched for payment processors to restrict the purchase of medication or other legal goods that might go against the ideology of the digital monopoly
Product: Payday loan, title loan, or personal loan

I had a car loan open with PNC bank. Recently I have paid it off. As per NJ DMV its is guidelines " The Lienholders normally hold 's the Title until the Lien is paid off. They should have also mailed you the Vehicle 's Title when they sent you the Lien Satisfaction Paperwork. '' in which PNC has not done. 

After waiting a month for the title I called whereas they acknowledged they sent it to the wrong address. I politely asked multiple times if they would send me a new title. They said that " There responsibility with the loan was over and that they no longer had to serve me. '' I tried calling multiple other times in which my call wasn't even picked up. 

The contract terms was that they take care of all the execution and administration of the titling, hence why I paid administration fee 's. I was never late for my payments not once, provided them a plethora of interest payments, and paid off the car prior to its due date. I was under the expectation that they would send me and transfer the title when the loan was completed, to finalize the loans execution and transfer the property. The property has not be transferred therefore the loan is still outstanding. 

NJ is now penalizing me for not transferring over the title, in which they sent to the wrong place. I also have to pay administration fees for getting a replacement title. I have damages and I'm holding PNC personally liable for them. 

I would like you to review my case, and administer any necessary penalties and fines on PNC Bank for breaking the agreement, and fiduciary responsibilities.
Product: Credit card or prepaid card

I issued a charge dispute with my bank and credit card company, TD Bank. The purchase was a washer/dryer set, purchased on XX/XX/XXXX with XXXX XXXX  XXXX XXXX XXXX XXXX PA XXXX Cost was {$1000.00}. The set was installed on XX/XX/XXXX and the dryer did not work. We tried multiple times to resolve with the seller and after the seller stopped returning our calls, and failed to show up for a repair, I filed a dispute with TD Bank on XX/XX/XXXX. I was told by TD Bank I would have a written notice of the dispute in 30 days, and resolution within 90 days. I have received neither. It is important to note I called TD Bank frequently to get updates since the dispute was filed. Since the 90 days was up, I called XX/XX/XXXX and asked to speak with a manager since there was no update and I was promised a return call. I received no return call. I called again XX/XX/XXXX and made the same request. I received a voicemail message on XX/XX/XXXX and I called back same day XX/XX/XXXX and was told the investigator had additional questions. The questions were repeats of the original dispute I filed. It seemed to be a delay tactic or they did not read the dispute records. 
TD Bank has failed to follow dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ) and I want resolution. Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Bankruptcy Account Number : XXXX Inquiry XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is in violation of Title 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ), of  the FCRA On Reviewing Credit File : XX/XX/XXXX, Confirmation # XXXX : 1 ) On XX/XX/XXXX, I discovered that XXXX - Card Services, # XXXX, had been re-inserted into my credit file. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. 

2 ) 1 ) On XX/XX/XXXX, I discovered that XXXX, XXXX, Late payment of XX/XX/XXXX, had been re-inserted into my credit file. Equifax is required to notify me within XXXXXXXX XXXX XXXX XXXX XXXX  of re-inserting a previously deleted item. I did not receive any such notification. 

On Reviewing XXXX XXXX : XX/XX/XXXX, Confirmation # XXXX, the above NEGATIVE information had already been removed. 

EQUIFAX had never notified me of any re-insertions per 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ), and is in violation. 

Also, Equifax is reporting that I worked for XXXX. This is wrong! I never worked for XXXX. 

STATEMENT OF DISPUTE : These items are inaccurate and misleading to potential creditors and employers. PLEASE DELETE.
Product: Credit reporting or other personal consumer reports

XXXX has not updated XXXX and EXPERIAN that my XXXX  loans have been paid in full and I can not get approved for a mortgage because the balances are still on my credit report.
Product: Credit card

I filed a claim with Wells Fargo after purchasing a resume service and not getting what I paid for and the individual who I purchased from was aggressive and abusive when having him correct errors. I reached out to XXXX first and they told me to go through Wells Fargo to get my money back. Fast forward to XX/XX/year> when the same individual decided to threaten me and extort the money on XXXX after getting notified about the chargeback through XXXX. Wells Fargo has now put my account in overdraft for this issue and Im in the process of seeking legal counsel if this isnt resolved. His threats for not delivering should be investigated and I should not foot the bill for this. I want this payment refunded or I will file suit for XXXX being an accomplice to threatening behavior and extortion against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting two accounts on my credit reports as charge-offs/writeoff ; however, this company is still reporting a balance due which has been sold to a third party company. I never received anything from this company advising me that they were transferring an old balance to a debt collection. Also, this account is identified as a student account which I NEVER had any type of " student account ''. I have attached proof of this inaccurate information. I contacted the bank in XX/XX/2021, I was advised they didn't see any accounts due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX told me they can run my credit as long as I owe them without my permission this is for a debt from 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is a bunch of frauds! I have been told by Equifax to submit a FTC report and police report, this is my third time sending. I called and the agent told me my report was in error and to resubmit it, the 3rd time i did and after i called FINALLY, the agent told me that it looks like someone marked off the FTC report numbers! 
So i asked, is it possible the scanner had an error while uploading to their system and he said no! 
So who crossed out the FTC report number if it wasnt me?? 
Equifax better remove these incorrect accounts immediately as i would be forced to seek legal actions
Product: Debt collection

I've been getting contacted for 7 years about medical debt. I've paid over {$4000.00} to debt collectors and as soon as one is paid another gets reported to my credit report. I have proof I've paid debts for services on specific dates and I keep getting calls with debt collectors using coercive and intimidating language to get me to continue to pay in a never ending cycle of debt collection. This is shady, illegal, and unfair. I don't deserve to get called during work and berated over questionable debts on medical services from many years ago. They should have all had plenty of time to surface and get paid. I've concluded they're invalid and are taking advantage of me.