23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, a notice of foreclosure was received from Millsap & Singer, P.C./LLC ( `` Millsap '' ) dated XX/XX/XXXX. A response was sent dated XX/XX/XXXX requesting a validation of the alleged debt they claim to be in default, opportunity to witness the Original wet-ink note which they claim to have, and what legal authority they have to foreclose on this property purchased by XXXX XXXX in fee simple in XX/XX/XXXX, and refinanced in XX/XX/XXXX. Rather than validate the debt, a lawsuit was filed accusing of slander of title and then proceedings for foreclosure/Quiet title. 
XXXX XXXX. XXXX et al, attorneys of Millsap, failed to rebut point-by-point with specificity, the affidavit sent to him within the time allowed, he failed to give an opportunity to witness the original wet-ink note which he claimed to possess and has continued to insist that there is a default without providing the evidence of bookkeeping showing the Sum Certain that was lent to XXXX XXXX and how XXXX XXXX XXXX , XXXX ( " XXXX '' ) was damaged by not receiving alleged payments. 
The Note filed as evidence in court has been altered and is null and void when altered. The note signed by XXXX XXXX, which the bank monetized and turned into money and put back in their pockets, is not consideration to XXXX XXXX. The exchange amounted to a gift to them and a charge to me. For my generosity, XXXX XXXX was given a bill in the same amount and asked to pay for 30 years with interest. There is no contract without consideration. Therefore a voided not can not be used as legal standing for foreclosure. 
XXXX XXXX. XXXX et al knowingly evidenced a fraudulently recorded assignment claiming to be from Mortgage Electronic Recording System, Inc. ( MERS ) without any evidence of XXXX being in MERS database search as the servicer of the alleged mortgage note number, with intent to foreclose on my property. 
The note signed by me had a government form in it from the United States Department of Housing and Urban Development ( HUD ). This makes the loan under governmental regulations as to authority to foreclose. A bank or servicing company can not legally foreclose if no commissioner has been appointed by HUD to oversee the foreclosure and none has been disclosed to me per U.S.C. Title 12. 
XXXX XXXX. XXXX falsely admit immaterial facts as evidence in color of law before this court to defraud XXXX XXXX et al. Such offense in court have penalties per Missouri Laws 575.040 and 575.060. 
XXXX has continuously refused to show evidence showing how XXXX XXXX XXXX , XXXX and/or MILLSAP & SINGER , LLC [ XXXX XXXX. XXXX, et al ] have been damaged by XXXX XXXX. Where there is no valid claim, there is no case. However, the court has continuously dismissed the pleadings and demand for evidence and allowing XXXX XXXX. XXXX to continue his fraudulent actions, violating the state and federal laws with regards to foreclosure proceeding. 
The Missouri Attorney general, SEC, FBI, and other government agencies including the Federal Court have been notified of this fraudulent activities of the attorneys of Millsap & Singer, P.C/LLC.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX : {$72.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I suspected that unauthorized trades for bitcoin purchases were made from my bank account. I immediately called coinbase and they locked my account so that they would invistigate. they said it would typically take 10 days. I was able to speak to a person after two weeks. they sent me an email stating my case was escalated but because on the surging bitcoin value they were busy. It has now been over 5 weeks and coinbase will not unlock my account until the investigator handles it. customer support cant unlock my account and now I cant even speak to a human any time I call, coinbase just automatically hangs up on me. This company has about a thousand dollars of mine held hostage for 5 weeks and I am growing impatient and frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

# 1-Date reported XX/XX/XXXX amount is {$8200.00} Bank of America- Date opened XX/XX/XXXX, date account closedXX/XX/XXXX. This belongs to XXXX XXXX XXXX I divorced him XXXX. I filed filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance. My lawyer said that is illegal because I filed Bankruptcy. 

# 2-Date reported XX/XX/XXXX amount is {$3400.00} Bank of America showing also Derogatory, date account openedXX/XX/XXXX and date account closed XX/XX/XXXX. This also belongs to XXXX XXXX XXXX. I divorced himXX/XX/XXXXXX/XX/XXXX. I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy. 

# 3-Date reported XX/XX/XXXX amount is {$15000.00} XXXX XXXX showing also derogatory, date account opened XX/XX/XXXX and date account closed XX/XX/XXXX. This also is belongs to XXXX XXXX XXXX. divorced him XX/XX/XXXX. I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy. 

these three credit cards that are reporting a balance illegally on my credit report total = XXXX 

# 4- state collection- date reportedXX/XX/XXXX, amount {$89.00}, date account opened XX/XX/XXXXI filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy. 

# 5- state collection - date account opened XX/XX/XXXX, amount {$170.00}, I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy. 

# 6-State collection- date account opened XX/XX/XXXX, amount {$100.00}, I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy. 

Please I had to pay a lot of money for a bankruptcy lawyer and paid my dues this is not fair these are illegally reporting on my credit report please help.
Product: Credit card or prepaid card

I purchased some pots and pans for a friend for XXXX, they did not want them so I returned them for a return. XXXX kept telling me I needed to wait for it as it already shows that it was delivered to them. I returned the item XX/XX/XXXX on a Tuesday and they got the return on the XXXX of XXXX and it shows delivered. It even says return received on the website and I still havent received my refund. I have uploaded proof of tracking and all of this and it still says that the transactions was found valid. This was very expensive and Im extremely upset that this company doesnt look at the uploaded documents you provide for these disputes.
Product: Mortgage

I had a XXXX hardship and requested a deferral. After 6 months I was contacted and informed I would have to pay back the deferral amount in 6 months which was a surprise to me as I had skipped 6, so it didnt seem that th defer all for Covid was providing any real financial relief, only moving the stress / financial burden to a later period of time. 

Later I called back and another person let me know I could apply to have the payment split over 12 months which seemed more reasonable. As the payment continues to pile up I chose to make a payment online, the online option only allowed me to pay $ XXXX which is more than 2x my normal payment. 

I called back a 3rd time after making this payment and was then told the loan payment would be added to he end of my loan. This was a more ideal solution and I wonder stood it to be the likely scenario even though this as the third different scenario tat was explained to me. 

Shortly p After I got a letter stating I would indeed have to pay $ XXXX per month. Apparently this letter was drafted after I made the payment so I assume that would be deducted. Or modified at some point. 

I called back a 4th time as I was frustrated I was being led in circles and being given inaccurate information. They then said I needed to request a deferral to add the payments to the end of the loan but then said I could go back into forbearance which is not what I want. I want a reasonable way to pay back the money I owe. 

The company seems to have a lack of training and understanding in how to process these loan reinstatements. They are defaulting to predatory lending behaviors and given out misinformation as most consumers will likely give up. 

After a 4th call I then was to, d I had to apply for a deferral, which had clearly already been discussed or asked about previously but I was told it was not an available option for me.
Product: Money transfer, virtual currency, or money service

I sold one type of crypto for another ( XXXX  ) so that I could purchase crypto elsewhere by swapping etherium for it. Before this selling, I tried to transfer crypto to my external wallet as a test and it worked. So I tried to withdraw and transfer the etherium after selling the other coin, but then kept getting an error that Im not allowed to withdraw due to pending transactions or insufficient balance. I have been trying for two days. I have been waiting for support for two days. I contacted via XXXX XXXX and XXXX. No response. Because of now being in limbo, I basically lost earnings from the original XXXX I sold ( since I would not have sold it if I knew I couldnt transfer ) and I lost on the opportunity to buy XXXX XXXX XXXX ) for another cheap crypto at the time. It has caused me financial loss. Also, now I dont even know if I can get the rest of my crypto or money out. By the way, all my money is cleared it has been deposited from the bank for a while now, so I dont owe Crypto.com anything. I owned all my crypto and sold it and all transactions processed successfully, so I dont owe the company anything.
Product: Student loan

LOAN TYPE XXXX XXXX XXXX XXXX XXXX Unsubsidized LOAN PERIOD XX/XX/XXXX - XX/XX/XXXX I am having some family issue the following coming school years XXXX on so I took a semester break for the year. dealing with my issues plus time passes by I was going to decide to continue some semester again, but unfortunately the school announcing itself is being close down due to some series learners and parents complaining about its teaching. I try to find some way to get a hold of my credit units that I have completed and earn when I was attending from XXXX year, but no luck. Will I ever be able to get a hold of that transcript?
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Info XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Collection/Charge Off XXXX XXXXXXXX XX/XX/XXXX {$410.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Since XX/XX/2018, the collection agency ( REMEX, XXXX ) did not tried to call doctor 's office to find out the right amount for the sevice date even though the doctor 's office gave the agency a wrong information and I called for 1 month. There is only 1 service for the same day. I faxed a copy of explanation of benefit to the collection agency. However, they asked a copy of explanation benefit about XXXX  dollar which is not existing and they sent me as a bill. During the call, they gave me a lot of stress by asking me of not - existing document repeatedly. I would like to report the agency vioates the consumer right law ( verbal abuse ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$60000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX XXXX ( Date Opened :, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$640.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$910.00} )XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX  XXXX ), XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX  XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} XXXX XXXX  XXXX XXXX XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

602. 15 U.S.C. 1681a ] There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 604 15 U.S.C. 1681b ] Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

623 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. 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. 

Account name CarMax Account numberXXXX Account type Auto Loan In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681
Product: Mortgage

I re-financed my mortgage. There was over {$2600.00} in escrow. I have called Chemical Bank several times and they ca n't tell me when I am going to get my escrow money back. It has been over 30 days. When I called today they said " the girl has a stack on her desk and has n't been able to get to them ''. She is working on it. I asked for a date and they said they hope soon. This is unacceptable.
Product: Credit card or prepaid card

I've had the Barclays Visa Credit since XX/XX/XXXX with a excellent pay history until I was diagnosed with XXXX XXXX. My salary was cut in half which made difficult so contacted my creditors. Every creditor I had made reasonable arrangement with and sent a letter with the terms of the agreement. I successfully completed the payment plan without any derogatory information nor did they cancel the card. I contacted Barclays for assistance to help with me making my payment without them reporting past due information. 
In XXXX, Barclays Credit Card/Bank agreed to place my account on a payment plan. My understanding with the information provided was for lower payments, credit card would be closed, no late fee without interest and report payments history from payment plan. They did lower the payments in the payment plan but interest was added and representative provided incorrect information. The incorrect information caused issues with the payment plan where Barclays canceled the plan without notifying me. Therefore, I continued to make payment plan amount each month then I received an credit monitoring alert notifying me of a derogatory information on my credit report. I called Barclays and was told the payment agreement wasn't completed as agreed so they canceled the plan. I disputed the item my credit report, filed a complaint with XXXX  to remove the past due information. They stated something entirely different from what I initially agreed to and I tried to tell them what I was told. I requested the payment plan in writing but I got the round-around with vague answer and transferred from department to another. In XXXX, I borrowed the money from a relative to pay Barclays off because they were adding interest with {$10.00} going toward the principal. Therefore, it would have been XXXX before I completed a payment plan for {$1200.00} balance. Although assured me it would not affect my credit report because of the payment plan. Barclays did not tell the truth about payment plan especially the interest without derogatory information on my credit report. On XX/XX/XXXX, I was denied credit because of the Barclays 60 days past due item that shouldn't be there. When I disputed the 60 days past due, it came back saying it was 60 days past due. I was in a payment plan with the assurance only the payment plan history would be reported to credit bureaus.
Product: Credit reporting

There is a student loan with XXXX that is showing a balance of {$67000.00} in collections on my Experian credit report. This loan belongs to my daughter and her account is in good standing. There is no longer a balance on this account or in negative standings. I have disputed this account numerous times and Experian refuses to make any changes on the account. XXXX and XXXX has deleted the account from my report, but it seems that no matter how much I dispute the account Experian does not want to cooperate with my requests and re-investigate the item to have the erroneous and inaccurate information removed.. So I am filing this complaint hoping that I do not have to seek legal counsel.
Product: Student loan

Im XX/XX/2015, I took I student loan out. Nelnet put my account as delinquent, even though I was never notified when to start making payments. I would like to get on a payment plan and this off my credit score. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX  - XXXX XXXX The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX XXXX  - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

Unknown - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Product: Checking or savings account

On XX/XX/2023, I deposited {$2000.00} in XXXX at my local Chase ATM. The ATM froze and gave an error message and prompted me to call the number to ensure my deposit was processed. I called immediately while in the parking lot. The deposit never occurred so I opened a dispute with Chase for {$2000.00}. They gave me a temporary credit. After investigation, they reversed {$880.00} from my account which ultimately tells me the ATM only received {$1100.00}. I am missing {$880.00}. I am a XXXX XXXX with high loans and I am devastated that Chase would do this to me. Every dollar counts. Please help.
Product: Vehicle loan or lease

I mailed a check of {$1200.00} to the Lender AmeriCredit dba GMC Financial for endorsement. This Check was made payable to XXXX XXXX 1st the 2nd line was AmeriCredit. I told the Auto Insurance Adjuster to make the check payable to me. I sent the check with a letter requiring the proper endorsement, so that I could deposit this check in my bank account. This Lien Company was included in my Chapter XXXX Case XXXX XXXX XXXX XXXX Chapter XXXX trustee. The vehicle was sold at auction ( SALVAGE TITLE ) months prior and no Active Collections efforts should have been made. I'm filing a complaint with because the Lender had no right to my check after I fought with the adjuster with the Insurance Commission to make him compensate my for my loss, the car caught on fire, and was left with a vehicle. The state of Florida Shut down XXXX XXXX Auto Insurance.  XXXX XXXX was the adjuster.