23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Upon much research and due diligence regarding my student loans, it was brought to my attention that the bank or agent is not the holder in due course of the promissory note. Several attempts were made to obtain information regarding bookkeeping entries, questions concerning this transaction and other relevant information, and requests for the actual and original promissory note of the transaction to be produced. These requests in writing were sent via certified mail with delivery confirmation to agents of the Pennsylvania Higher Education Assistance Agency ( PHEAA ). On the following dates, letters were sent to XXXX XXXX XXXX, DBA XXXX XXXX agent, to request such information : XX/XX/XXXX Notice of Adequate Assurance of Due Performance ; XX/XX/XXXX Notice of Default and Demand to Cease and Desist Collection Activities Prior to Validation of Purported Debt ; XX/XX/XXXX a final notice regarding failure to comply with UCC Code 2-609 " Notice of Adequate Assurance and Performance '' ; XX/XX/XXXX Request for Original/Unaltered Front and Back Side of Promissory Note and Notice of Failure of XXXX XXXX to Respond to 2nd Questionnaire Regarding Creation of the Alleged Loans. 

Despite sending these letters, I have not received answers to my questions, nor the original and unaltered promissory note as requested. 

Lastly, on XX/XX/XXXX a Notice of Termination was sent to XXXX XXXX XXXX XXXX, XXXX, attorney for the agent XXXX Bank. Notice was given that the contract and any obligation it created was hereby terminated for failure to provide adequate assurance of due performance as outlined in international contract law UNIDROIT principles of international commercial contracts XX/XX/XXXX. 

Despite requests for full-disclosure, I have not received information from the Pennsylvania Higher Education Assistance Agency ( PHEAA ) to assure of its performance and that I received proper consideration to support the contract. It's somewhat confusing that I can submit certain questions regarding this matter and the parties remain silent to my requests. My contention is that they have not satisfied themselves to the validity of the original agreement when becoming either agent or holder in due course and shows a profound failure in their due diligence and duty of care. It is also my understanding that they have an obligation to speak. Pursuant to the XXXX XXXX XXXX v. United States ( XXXX XXXX XXXX ) " An entity can not compel performance upon it's corporate statutes or corporate rules unless it, like any other corporation, is the ( holder in due course ) in some contract or commercial agreement between it and the one on whom it demands for performance are made, and is willing to produce said document and to place the same into evidence before trying to enforce it's demands. '' Since they have failed to respond and substantiate their capacity of holder in due course, I have no further duty or obligation to perform.
Product: Credit card or prepaid card

CitiBank refused to follow up on complaint XXXX. CitiBank refused to provide detail regarding amount owed, fees, overcharges and accrued late fees despite several dozen attempts following the original complaint referenced above. CitiBank made no effort to contact me in any way since XX/XX/XXXX. In addition to the dozens of phone calls I went into a CitiBank office in XXXX XXXX to attempt to rectify or come to some kind of agreement in regards to the resuming payments I was unable to make, and had never failed to make, prior to the mandatory statewide shutdown in California On XX/XX/XXXX CitiBank filed a lawsuit against me for {$4700.00} in XXXX XXXX XXXX XXXX. 

I received no notification by mail, email, nor phone calls regarding a lawsuit. I was served a summons for the case 11 months after the XX/XX/XXXX lawsuit filing in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I am enclosing an Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them. I meet the standards for Blocking and Removal of the below information under 15 USC 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

I apply for a car loan for my vehicle and my credit. Other leaders unauthorized pull my creditors I tried to dispute this with the credit report companies, and they refuse to take it off. Please help me with this matter This is company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Affirm processed a fraudulent loan/order, in my name, that I did not authorize. I have called 11 times over the past three ( 3 ) months as well as repeatedly sent all documentation proving that it was never authorized and requesting it removed from my account. They are refusing to assist. 

Affirm is now reporting it as past due, causing my credit to take a significant hit - this is stressful as my husband and I are currently in pre-approval for a house purchase. This has greatly affected everything in our process. I did not place this order or authorize this loan - Ive contacted a lawyer due to these fraudulent business practices. There was a class action suit against Affirm in XXXX  - Ive submitted info to get another one started. I have filed a report with the FTC as well as all three credit bureaus. Please help.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  XXXX I was never XXXX  days past due as of XX/XX/XXXX and I was never XXXX  days past due as of XX/XX/XXXX remove incorrect information. I have never been late. 

Remove incorrect information. I was never late on XXXX XXXX- I Was never Past due XXXX  days I Was never Past due XXXX  days - NELNET - never was late - remove incorrect information - Mohelia - Never was late - remove incorrect information
Product: Debt collection

In XX/XX/XXXX I saw a collection attempt by IC System in my XXXX XXXX credit score report for the sum of {$140.00}. 

I have never heard of this company, I never owed this amount to anyone, and I've never been notified in any way shape or form about this debt by anyone. 

I disputed the claim in XXXX through XXXX XXXX 's system and won, the claim was thrown out. Now In XX/XX/XXXX I see the same company ( IC System ) making the same claim for the same amount I don't own on my credit score report. 

This company appears to be a mob style racket or scam attempting to bully people into paying for debt they don't owe.
Product: Mortgage

I have been actively filing loan modifications with B of A sinceXXXX. I am a XXXX Veteran and I did use my VA certificateto secure my home in XXXX. My home was finance thruCountry Wide before B of A bought my loan. B of A didservice my home for foreclosure while I was serving in theXXXX XXXX about XXXX XXXX and the loan was noteven 2 months behind. I came home in XXXX XXXX andrequested another loan modification but no response soI obtained an attorney. My attorney did respond to B ofA and requested all correspondence concerning my homebe sent to them and they were actively involved with myloan modification. In early XXXX I was notified by areal-estate agent that my home was listed for foreclosureand public auction. No XXXX service me or my attorney. Theforeclosure was listed in the local newspaper. This wasnews to me and my attorney since we both had no ideaand was actively involve with a loan modification at thetime. I have since been working with Attorney Generaloffice in Florida. I was given guidance from the AG tofile this complaint with CFPB along with their inquireabout my case. I have been told my request formodification has been denied for reasons such as '' I was not living in the home and it is a VA require-ment '' which is not true, " insufficient income '', mycurrent husband signed a form stating he wouldcontribute {$1500.00} additional income to my household to help cover the cost and the list goes on. 
I am currently enrolled in a XXXX programwith the XXXX VA and is receivingtreatment. My condition is described as " XXXX '' at this time but with support from my husbandand adult children I am trying to do what isnecessary to keep my home. I am filing thiscomplaint because I too believe I am a victimof " dual tracking '' with B of A. They are notowning up to their constant mistakes. I don'tunderstand why they will not work with me tohelp me keep my home vice foreclosing. I amnot trying to run from my responsibility of payingfor my home. I just need help with lowering the payment so I can afford it. Is that too much to ask for? 
B of A pulled back the foreclosure because they justrealized we were working on a loan modification with mebut recently filed a petition in court another foreclosure. 
I have no other option but to file bankruptcy to keepmy home. This not fair to me the consumer because allI wanted was a lower payment.
Product: Debt collection

I keep getting fraud calls, but today, a company listed as NCB MGT Srv INC on my caller ID called 2 times. Please see attached screenshots of the calls. I asked this person what the call was about and the female refused to answer what services they provide, refused to tell me her name, & refused to provide a web address, and asked to put me on hold, so I hung up. I XXXX searched NCB MGT Srv INC and found a web address as XXXX XXXX XXXX & called customer service # XXXX & spoke with XXXX on a recorded line as it is introduced as being a recorded line. I asked if she had my phone number in her files & what the company was about, I provided my current phone # and was advised I have no files that pulled up. Advised XXXX I would file a consumer complaint, as I received calls that introduces their company name. Please see attached photos of the phone numbers of the companies. Not sure if the caller from # XXXX is impersonating a lawyer, etc as this person did not want to identify herself. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible
Product: Debt collection

Calvary Portfolio Services LLC contacted my mom XXXX XXXX XXXX XXXX and shared personal info about my debt, used robo calls sent to her phone ( that is on a do not call list ), and threatened a lawsuit against me to her if i didnt pay my debt. They also called my grandma ( XXXX XXXX XXXX and discussed my personal info and debt with her as well.
Product: Debt collection

I had a visa card with XXXX XXXX XXXX XXXX I paid the balance in full by ach back in XXXX of XXXX the account was paid in full and I closed it. 2 months ago I was contacted by National Credit Adjuster on Behalf of XXXX XXXX XXXX trying to collect {$400.00} on this paid/closed account. I have tried multiple times resolve with NCA directly, provided copy of my bank statement etc. as proof of account paid. They refuse to remove the error from my credit reports. Another oddity is that they contact me in my former married name of XXXX, I opened the account in my maiden name of XXXX, I have tried to resolve with credit card company directly and am unable to speak to someone above a low level basic customer service level.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX - XXXX just got a copy of my credit report, I noticed that you are reporting this account incorrectly. This collection account is reporting not only as " OPEN, but also a past due balance of {$2600.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account upon completion
Product: Credit reporting or other personal consumer reports

Please See Attached Documents for additional information that was requested by the XXXX XXXX XXXX. 

Enclosed Documents -Determination/Certification Letter -Trafficking In Persons Letter/Adverse Items -Passport ID -Federal ID -Bank Statement Credit Reporting Agency requested additional information to process block due to documents not being legible, 11 days after the 5 day deadline requirement, violating the regulation implemented for the Act. The XXXX XXXX XXXX have not implemented the proper procedures required by the regulation, giving victims the option to submit documentation online causing me the consumer no other option but to submit additional documentation through the CFPB, due to not having a stable address at the moment caused by this situation!
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. 
Account name : XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  Account name : 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.
Product: Checking or savings account

I initially called because I have been fraudulently charged interest rate fees by this bank. I have a XXXX balance and paid in full my credit card and they were still charging me for interest. I called and I asked to speak to a Manager several times and they said a Manager would call in 24-48 hours. It's been a month and no one has called. 
I called my bank for my account information and XXXX from Chase Bank at XXXX XXXX XXXX XXXX XXXX. XXXX, AZ XXXX and she never verified me and ran off my personal information when I called in last month. It is very disturbing that she ran off my banking account information which also included my credit card information without verifying who I was. I just gave her my name and she didn't verify my address or anything and provided my info. I asked her if she had the correct person and she said yes. What's concerning is that provided my credit card number and info without verifying me. 
I asked to speak to the Regional Manager and She provided her boss XXXX XXXX 's contact XXXX. He said he would call me back and it's been a month and he has never called back and I've left him 10 messages. 
I don't know if Chase Bank knows their employees do not call back and they provide personal information without verifying the customer. This has been a horrible and extremely unprofessional experience so I called back today XX/XX/23 and XXXX answered again and I told her that I need to speak to a Manager and she said XXXX 's the only person. I told her I've left numerous messages and he doesn't call back. When I told her that I am so upset and will finally file a complaint she said well I guess do what you want to do and she actually hang up on me. She also said XXXX 's been with the company for over 20 years so he's not going anywhere and she said so has she.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX, XXXX, and Transunion has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 USC 1681 section 602 A states I have a right to privacy. These addresses do not belong to me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX, La XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FIG TECH INC is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( FIG TECH INC ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( FIG TECH INC ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. FIG TECH INC can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from FIG TECH INC for the cancelled debt in order to file as ordinary income. Where is my 1099-C FIG TECH INC is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! FIG TECH INC has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In FIG TECH INC terms and conditions they agreed not to share my information with non-affiliates. XXXX, XXXX and XXXX are not an affiliate of FIG TECH INC nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Product: Debt collection

My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved.

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA.

STATES RECOVERY SYSTEM is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.

This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. 
This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities.

This is also a NOTICE exercising my rights to prevent the processing of my personal data by STATES RECOVERY SYSTEM. 
Please be advised that providing a memorandum or other statement from your agency, stating that STATES RECOVERY SYSTEM the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist allcommunication and have these trade lines deleted from my consumer report. 
PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report after a recent divorce and saw some items I did not give the credit reporting agency permission to share. Also since the divorce my address has changed and I need it updated asap. There have been issues wih my ex and I am addressing all things at this time. Please see my request attached