23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I sent XXXX XXXX This affidavit asking for proof of obligation of this alleged debt. 


XXXX XXXX } XXXX XXXX XXXX XXXX XXXX } XXXX XXXX XXXX XXXX PA XXXX } XXXX PA XXXX Affidavit Request Proof Of Indebtedness *NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT* Date : XX/XX/2022 The undersigned Affiant XXXX XXXX , herein after Affiant, does solemnly swear, declare and state as follows : XXXX is competent to state the matters set forth herein. 

XXXX has knowledge of the facts stated herein. 

All the facts herein are true, correct and complete, admissible as evidence and if called upon as a witness, XXXX will testify to their veracity. 

I am requesting your proof that I am the obligated party to repay this alleged debt. Please validate this alleged debt on account ( s ). XXXX. Please provide the original instrument of this alleged debt in its original form. Please be aware that any general accounting ledger, statements, or promissory note printed is not proof of obligation. Please provided proof by affirming you did not sale the original note and or transfer it to any third party. I am requesting this information in accordance with the Truth In Lend Act. Please cease and desist of any further attempt to collect on this alleged debt until you can validate it with the original instrument. I look forward to forward to hearing from you. 

Thanks XXXX XXXX
Product: Credit reporting

I keep noticing credit inquiries from a company called Clarity on my credit file that i did not authorize. I have never ordered a report or authorized this company to pull my credit report.
Product: Credit card or prepaid card

I submitted a complaint against City National Bank on XX/XX/2020. The case reference number was XXXX. 

I used my City National Bank award points to redeem for toal {$600.00} on two City National Visa Gift Card on XX/XX/2020. Order Confirmation Number : XXXX. that, I called CNB reward customers servers to ask my order to check my order status and shipping information. The agent told me they can not check my order status since my credit card was canceled, but they can see my order was being processing. Since Covid-19, I left United Stated in XXXX and return in XXXX. I checked my mailbox and didn't see the City National bank gift card. I called City National Bank rewards department and agent told me they can't track my orders and asked me to call City National Bank customer Services. I called City National Bank customer Services, but agent told me that I should contact City National Bank Rewards department. Back and forth, I called too many times to City National Bank customer Services and City National Bank Rewards development. Finally, one agent promised she will help me to check the status and call me back in two days, and she gave me a reference number # XXXX but after week, I called City National Bank customer Services to query my case, but was told my case was closed and asked me to City National Bank Rewards development. I called again and again, finally one agent help me to talk with her supervisor and told me will call me back in two days. I received a email from City National Bank Rewards development today and was told my Visa gift card was delivered on XX/XX/2020 and has been used. I never received those two Visa gift card. I asked for shipping tracking information in XXXX, but CNB didn't give me. 

City National Bank responded to CFPB as below : A letter was mailed to the client on XX/XX/2020, which provides an explanation of the gift card redemption in XX/XX/2020, as well as, the delivery of replacement cards. 

But I have not received the letter and gift card replacement from City National Bank until now. I provided my feedback to CFPB on XX/XX/2020 as below : I didn't received the letter and replaced gift card until today. I called City National Bank credit card customers service and City National Bank rewards department service, all were told they dont have any information regarding my gift card replacement information. Credit card customers service representative asked me to call rewards department, but the rewards department said they are third party and didnt have any information, so they ask me to call City National bank customers service. City National bank customers service asked me to call gift card department, but gift card department told me they they are third party and doesnt have any information. 

I have called CFPB customer service twice for help. All agents asked to open a new complaint.
Product: Checking or savings account

This company froze my account for no reason, I gave them all the information they have asked and the stop responding to me all together! I trusted this company enough to deposit my payroll check and they stole it! I can't get to work, I can't pay my bill and they don't give a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened a Home equity line with XXXX XXXX on XX/XX/XXXX, Account number XXXX with approve credit line of {$150000.00}. 
From that date, I never use this Account. I moved to Texas in XXXX, and close checking, saving Account with XXXX XXXX  but not Home equity line. I have note them my new address at Texas, and they have send me the XXXX XXXX XXXX date XX/XX/XXXX. From that date, I did not receive any information, statement from them. 
Up now, when I check from credit report, I know that there are a balance of {$63000.00} from my Equity line account. I call them and they said that is annually fee charge of {$90.00} and that charged is for 9 years. I complain why they did not send us any statement or XXXX to report this charge, they said that may be I did not update the new address!? As above mention, I have receive their XXXX XXXX XXXX card on XXXX, and my daughter live there in the house at California ( House that I apply for this equity line ) she did not receive any paper from XXXX XXXX. The manager told me that the fee charged is not refundable. 
I really feel bad about this and want to ask for help.
Product: Money transfer, virtual currency, or money service

I was scammed out of over {$90000.00}
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 & confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX U S Department of Education XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681 C. ( a ) ( 5 ) section states : No consumer agency may make an consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 accurate.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally lodge a complaint against Excel Finance, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for erroneously selling me two insurance policies that was not qualified to apply to the type of personal loans obtained. This situation has caused unnecessary financial strain and confusion, which I believe violates standard insurance practices and consumer protection laws. 

On XX/XX/XXXX and XX/XX/XXXX, I obtained loans from Excel Finance. As part of the loan agreements, an insurance policy was required. However, Excel Finance erroneously processed and sold me two identical insurance policies that was not qualified to apply to the type of personal loans obtained and charging me for both.

Despite my repeated attempts to resolve the matter
directly with Excel Finance and XXXX XXXX XXXX XXXX, including phone calls on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, acknowledging the policies should be refunded. The correspondences were sent on XX/XX/XXXX ( during XXXX ) regular mail and pending certified letter # XXXX XXXX XXXX XXXX XXXX mailed to XXXX XXXX XXXX XXXX on XX/XX/XXXX. The correspondence sent Excel Finance was mailed XX/XX/XXXX and returned to me. The issue remains unresolved. They have not refunded the overcharged amount of {$1100.00} plus the interest for their error.
Product: Credit card or prepaid card

XX/XX/2018 a charge of {$310.00} from XXXX XXXX was posted to my account, my card was essentially stolen by a coworker. However even after requesting a new card THE SAME NIGHT and trying to deactivate the old one & talking to my bank ( Chase ), they claimed I was responsible for this transaction. The charge still sits on my account, 13 days later and my bank states that I need to pay for this fraudulent charge. I do not know who to talk to
Product: Credit reporting

I learned about the bankruptcy on my record last year, and since that time I am trying to clear it as I never filed for any bankruptcy. I disputed it several times and I am not agree with results. Please help me to clear it, I never went to court, I never filed for bankruptcy for {$0.00} dollar amount, I had no idea about it. I never got any paperwork from the court.
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 XXXX Account Number : XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX, XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 card or prepaid card

This is a continuation of the previous complaint/update : Background : fraudulent charges happened on my account in XX/XX/2021 ( last XXXX ). Best buy reviewed the charges and decided they were legit. 

Here is where it gets juicy : Best Buy ( referred to as XXXX onwards ) told me that the company, sharptrucks or sharpauto, had sent them a delivery slip showing I signed for the package, which had been delivered to XXXX XXXX XXXX ( my address ). 

I called the company That had issued the fraudulent charge, XXXX, And he sent me the receipt for delivery and refunded the charge. The representative for Best Buy/city bank had blatantly lied about the delivery receipt - It's not only handed delivery happened in XXXX XXXX XXXX XXXXXXXX but it was left at the front door and no one even signed for it. If you listen to the call with the 1st representative, she blatantly tells me that the package was delivered to my address she " my address to me and says that there is a signature from me on it as well and she's looking at it on the screen right now. 

Furthermore when I called Best Buy back the 2nd time, the representative in the fraud department that I got agreed that the first rep had given me incorrect information, as they could not even see the details sent over by the company ( XXXX or XXXX ). 

Had I been slightly XXXX or slightly more XXXX, I would not have made the extra step to call the company with the fraudulent charge, And Best Buy citi bank would have gotten away with trying to make me pay for it because they were too lazy or too incompetent to read the attachment. 

As an individual with XXXX XXXXXXXXXXXX XXXX I wonder how many other individuals with XXXX that were too XXXX XXXX  or just not collected enough to be able to fight the midst information of this corporation... I contend that there is a disparate impact being caused From this corporation as a result of poor training For individuals in the fraud department. 

I guess I'm gon na also do an XXXX XXXX and start contacting every individual Who left a review on XXXX XXXX or XXXX regarding the Best Buy fraud department to see if I can easily prove a disparate impact from the initial sampling, be it a disparate impact based on age or based on race Or based on XXXX. I'll let them know what I'm doing with their contact information and where it's going to make sure that I'm in compliance with California contact policy.
Product: Debt collection

They are reporting inaccurately and constantly reporting a written off debt on my credit and never received a 1099
Product: Credit reporting or other personal consumer reports

There are two account that are old and past seven years old. The first one is XXXX and the other is XXXX XXXX. I first did two disputes with all credit bureaus and they refuse to remove the outdated files. I then reached out to both credit lenders and XXXX XXXX agreed to remove the account. This has not happened and its been over thirty days. I reached out to XXXXXXXX XXXX  for XXXX and actually spoke to a live person that stated that they no longer had my account information in their database and could not assist me any further. I then filed another dispute with all three bureaus without any results except the usual response '' please reach out to the lender ''. Both creditors have XXXX balances and was closed due to inactivity over eight or nine years ago. I need help in removing this outdated information. I did everything possible with all three bureaus before contacting this agency. Please help me resolve this never-ending issue.
Product: Credit reporting or other personal consumer reports

Loans were from XXXX  and are in a borrowers defense case The amount totaling XXXX With and interest of XXXX Principal of XXXX
Product: Debt collection

THERE IS AN ACCOUNT LISTED ON MY CREDIT REPORT FOR BYL COLLECTION SERVICES IN THE AMOUNT OF {$28.00} ... I DO NOT RECOGNIZE THIS AS MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts: XXXX XXXX XXXX0xxxxxxxxx and XXXX XXXX XXXX XXXX XXXXXXXXXXX The accounts were never past due, i never made a late payment to this company ever please change this , i have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

i personally submitted this request to all three credit bureaus. I went to XXXX XXXX  in XXXX XXXX to apply for a lease and was denied due to accounts reporting negative on my credit report that are not mine. I saw on my credit report these accounts that are not mine as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX/XXXX  XXXX XXXX. I never opened these accounts, nor did I authorize anyone to do so. These accounts are not mine, and I never possessed any goods, money, or services from these accounts being opened. I filed a police report with the XXXX XXXX Police department, as well as adding a fraud alert to my account.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding a recent late payment reported to the credit bureaus by Bank of America. Despite not receiving any statements, emails, or phone calls, my payment was marked as delinquent, which is a violation of my privacy. I kindly request an explanation for this oversight and the steps being taken to rectify the situation. Thank you for your prompt attention to this matter.
Product: Debt collection

I was billed by the local electric authority ( XXXX ) for the balance of a bill I did not know that I owed ( I had moved away from the apartment in question several months prior ). I received a letter from XXXX that was forwarded to my new address and I paid the bill, directly to XXXX, on the final day that it was due ( XXXX/XXXX/15 ). 

About a week later I received a letter, issued XXXX/XXXX/15, from PennCredit attempting to collect the debt on behalf of XXXX. I called PennCredit at their listed number on XXXX XXXX. I explained that the bill had been paid, and the person answering the phone assured me that PennCredit would verify this with XXXX and that I would need to take no further action. She told me that PennCredit would be unable to verify that the matter was settled in writing. 

Today, XXXX XXXX, I was informed by my stepmother that Penn Credit repeatedly called my father and stepmother 's house, seeking to contact me. I have not lived in the same household as my father for 17 years. I called Penn Credit to ask why they were continuing to follow up, and the person answering the phone was only able to tell me that she had a record that the debt was paid, as well as a record that the phone call had been made, and did not know why my record was still being called, as there was no outstanding debt. She was unable to provide any kind of additional confirmation that I should not longer be contacted ( really, I should not ever have been contacted in the first place ) and that this would not happen again.
Product: Debt collection

Allied Interstate repeatedly calls my place of employment even though I have told them NOT to contact me, instead to send me some information by mail regarding whatever they are calling me about. I have repeatedly told these people not to call and they insist on doing so. 
XX/XX/2018 - XXXX I told them to contact me via usps XX/XX/2018 - XXXX I told them to not call my place of employment XX/XX/2018 - XXXX I repeated myself and said the next time someone calls this number, I will have legal counsel reach out to them XX/XX/2018 - XXXX They call once again! 

I am fed up with these calls and these aren't the only calls, I can and will have my call log pulled. The numbers they call from are : XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re XXXX XXXX XXXX XXXX  XXXX Account, Acct. # : XXXX XXXX XXXX XXXX I sent a letter to XXXX XXXX on XX/XX/22 certified mail tracking # XXXX XXXX XXXX XXXX XXXX stating that illegal information is being reported by them on my credit report specifically, my credit utilization. In response, I received a letter from them ( attached ) stating that my request was received and in accordance to FCRA, they do not remove or change negative reporting unless it was reported in error. They further encouraged me to reach out to the credit bureaus to dispute the reporting. 

THIS IS ABSOLUTELY UNACCEPTABLE AS THE REPORTING OF CREDIT UTILIZATION IS ILLEGAL. 

Upon carefully reviewing 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), it clearly states the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As such, the reporting of any transaction or experience on my consumer credit report is ILLEGAL and forbidden by government.
Product: Mortgage

In XXXX 2014, we filed for Ch. XXXX bankruptcy. Our home loan is included in the payment plan. M & T Bank is the mortgage servicer on the loan. My payments to the trustee are automatically deducted from every paycheck ( see " Payment Since Start of Case '' pdf, attached ). We were relocated by my job to CA and rented a home for 2 years. 

Recently, we moved out because the landlord is selling the home. We have been denied apartments because of the BK, and in this area, no one will rent a home to us because of the BK. Our only option for a home is to buy another FHA-financed home, which is justifiable for FHA due to the relocation. We are near the end of our home buying approval process and our new mortgage broker ( for the home we are trying to purchase now ) was notified that M & T Bank has been inaccurately reporting our mortgage payments to HUD, which is preventing the loan from reaching final approval with HUD. 

We called our assigned M & T Bank representative, XXXX XXXX, who admitted a discrepancy with the account. XXXX XXXX says that M & T Bank internally views my account as " in default '' even though I am in a Ch. XXXX payment plan. He could not explain the discrepancy between their alleged claim of default and my up-to-date payment ledger ( continue reading for the name of the attachment ). After I told XXXX XXXX that M & T Bank is violating my rights as a consumer by failing to report accurate information to HUD, which is a governmental agency, management and XXXX XXXX told me that they are referring my case to their attorneys who will communicate with my bankruptcy attorneys. Attached, you will also find a document named " XXXX That document shows that I am not in default, as M & T alleges, and has a letter in which XXXX XXXX admits that my account is current. 

Attached, please find HUD 's response, requesting that we ask M & T Bank to correct its erroneous reporting ( " FHA answer re XXXX ). M & T Bank refuses to rectify the issue and/or send it through the appropriate channels to resolve the situation.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX XXXX - XXXX - {$0.00}