23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 coinbase attempted to steal $ XXXX+ from my bank account due to a bizarre app glitch. However only {$2300.00} were available, which was stolen. I have been trying to get my stolen value for over a year now. No response. This is a criminal  organization. Please help me. I am contacting news outlets. 

Do not do business with coinbase. Com. This is an illegal front for illegal activity.
Product: Debt collection

ERC has appeared on my recent credit report i am not familiar with this dept, it is not mine and should be removed from my credit report. 
XXXX was removed from my credit report and had lack of verification which was sold to ERC who has reage this account which is illegal i am also questioning ERC ability to report. 
Im asking that i recieve the original contract from XXXX showing that this is indeed my debt and also there ability to reage this account, this is multiple laws that ERC has broken i will also be sending this complaint to the FTC for them to review.
Product: Mortgage

-They keep charging PMI insurance while I payed 1.60049291 % of my mortgage price -They allow ( permit  ) my la nd load to decide about my mortgage which they should n't involve at all about my mortgage. I only must make a decision about my mortgage.   -They make open access information for my land load. They should not.   Please help me, I 'm a single mom and trying my best all the time to support my life and keep my mortgage. Also, I have lack of knowledge to enforce them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX pulled my credit and I was pre approved. They pulled three credits at different times bringing down my score.
Product: Debt collection

Capital One is reporting an erroneous account on my credit reports with XXXX, XXXX, and XXXX. I have attempted to dispute the account with the credit bureaus along with Capital One directly but they have ignored my request. This is a violation of the Fair Credit Reporting Act and I demand the account be removed because of this. I have attached the latest letter sent to Capital One along with the Certified mail slip confirming that Capital One received my letter. 

CM to Cap One XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSUMER EXPERIAN.docxXXXX  XXXX ss # XXXX XXXX : XX/XX/1966 XXXX XXXX XXXX. 
XXXX, XXXX XXXX TO WHOM IT MAY CONCERN : EXPERIAN RE : XXXX XXXX XXXX XXXX ACCOUNT NO # XXXX I XXXX XXXX noticed on the EXPERIAN REPORT this account with XXXX XXXX XXXX listed on my consumer report. Your company is in clear violation of the law. Under 15 USC 1861 ( b ) Permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give you EXPERIAN written INSTRUCTION to furnish this account with XXXX XXXX XXXX on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC1681 ( 2 ) ( a ) ( i ). Exclusions a consumer credit report clearly states ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ) term CONSUMER REPORT Does not include -- - ( A ) Subject to section 1681s-3 of this title, any report containing information solely As to transactions or experiences between the CONSUMER and the PERSON making the report ; DELETE AND REMOVE THIS ACCOUNT PERMANENTLY FROM MY CONSUMER REPORT. 
This Experian agency is in violation of 15 USC 1681. I strongly believe that you have violated the FCRA And are NON-COMPLIANT with what you have reported. I am stating this because you have violated my privacy as a consumer. Please supply me with proof that they were compliant with the FCRA and more Specifically with the Industry standards of reporting electronically. 100 % certified and authenticated Testimony that they were compliant. 

Failure to respond satisfactorily with a deletion of the above-referenced account will result in legal actions being taken against your company. For which I will be seeking. Defamation, Fair Debt Collection, Fair Credit Reporting, Negligence for which per violation is {$1000.00}. 

Once removed. I request that you send me an updated copy of my report discovery? 
Enclosed : is a copy of my Identification and a bill of my abode.
Product: Debt collection

XXXX XXXX from National Credit Adjusters called at XXXX on Tuesday, XXXX XXXX2020. Advised her not to call me this ealier in the morning as it is illegal to call before XXXX. Chantel stated she usually calls at this time of morning. Not true!
Product: Debt collection

On XX/XX/XXXX, I received an email from " XXXX XXXX '' at Zion Debt Holdings, LLC, wherein XXXX XXXX claimed that I had a current balance due of {$2600.00} from a XXXXXXXX XXXX account that " was not properly closed. '' The email provided a link to make the payment with a Zions account number. I assumed this was spam or some kind of phishing scam. 

On XX/XX/XXXX, I received a text message from an unknown number, claiming to be Zions Debt Holdings. The sender requested that I call their number to " resolve '' my " past due XXXXXXXX XXXX account, '' after which they would " offer to expunge it from the credit agencies. '' After this second communication, I thought it would be prudent to review my credit reports, which I did last night ( XX/XX/XXXX ). Much to my surprise, there was, in fact, a collection account reported to XXXX by Zions Debt Holdings on XX/XX/XXXX. I immediately initiated a dispute of this debt with XXXX. 

For context, I did have a XXXXXXXX XXXX  account from XX/XX/XXXX- XX/XX/XXXX. However, I terminated the account in XX/XX/XXXX because it was created under false pretenses by a former XXXX representative, XXXX XXXX. 

Moreover, even if this was a legitimate debt ( which it is NOT ), in North Carolina, a debt buyer must initiate collection efforts within 3 years of the last activity on the account. See N.C.G.S. 1-52 ( 1 ), 58-70-115 ( 4 ). In both communications, Zions claimed to have purchased this alleged debt from XXXX ( see attached communications ). Zions, however, reported this alleged debt to XXXX on XX/XX/XXXX, which was more than 3 years after my last activity with XXXX. Zions also waited almost an entire year thereafter to make a collection effort ( which failed to contain the necessary disclosures required under state and federal law ).
Product: Credit card or prepaid card

Received a gift card in the amount of {$100.00} on XX/XX/XXXX. Tried to use the card in XX/XX/XXXX. The balance was XXXX. I called Vanilla Visa Gift card at XXXX and was told the card was used in Illinois at a restaurant. I live in another state and have never been to Illinois. For starters, they had my first name wrong. I immediately corrected the rep and they asked me to send an e-mail to gift XXXX to correct my name which I did. This was on XX/XX/XXXX. I have called several times and today, XX/XX/XXXX, they told me I had to send a bill with my name and address to verify my first name. I have the card myself with all the necessary info so it wasn't that I lost or misplaced the card. Someone just got the number somehow. Each time I call I get the same story. It will take until XX/XX/XXXX to resolve. But today the rep said I needed to verify first name before they could start the investigation. I did nothing wrong and it's not my fault that someone didn't ask for proper ID when the number was being used since I have possession of the card. Any help will be appreciated.
Product: Debt collection

I reached out to Credence Resource Management via mail XX/XX/year>, XX/XX/year> and XXXXXXXX XXXX XXXX because they are listed on my credit report. I have never received anything from them validating any debts they are attempting to collect from me.

I requested that they conduct a thorough investigation of this account and provide me with the following information to validate the debt : 1. A copy of the original signed contract or agreement between myself and the original creditor.

2. An itemized statement of the account, including the principal amount, any interest, fees, or charges applied.

3. Proof that the collection agency is legally authorized to collect this debt on behalf of the original creditor, and in the State of IL.

4. Proof that I have a contract with Credence Resource Management bearing my signature.

They have never once responded to me, but they have continued to report on my credit after months of ignoring my requests, my letters, and this is against the law! Credence Resource Management has been unable to provide the requested documentation validating the debt, failed to respond within first 30 days of original letter and continued to attempt to collect on a debt which is in violation of the FDCPA.
Product: Debt collection

I have received correspondence from this company both by mail and by phone call. They claim too be collecting for XXXX XXXX for a credit account opened XX/XX/XXXX and last paid XX/XX/XXXX. I told them I have no recollection of that account and even if I did, that was over 14 years ago and I 'm sure the statute of limitations has expired twice in which to collect on said account. I have asked them on the phone to cease and desist and I have returned their collection letter asking them to cease and desist. I was told today by XXXX that the only way they cease and desist is if I were to go into there office personally and sign a cease and desist form.
Product: Debt collection

I went in to see XXXX XXXX XXXX, to have him to remove some XXXX that I had gotten XXXX. I continuously, indicated to him that, I knew it was some XXXX. He asked me if I wanted him to send it to the lab, for testing. I said no, because, I remember the day it happened, and that, I knew exactly, what was in my hand, and that there was no need to send the small piece of XXXX to the lab. He sent it any way. I do not feel as though, I owe this debt, because, he sent it against my wishes. It is not my fault, that he did not believe that it was XXXX XXXX XXXX, placed this negative information, on my credit report, with the XXXX major reporting agencies. Along with, negative information, about me going to XXXX the hospital. Which, I did not. These bills were totaling, {$140.00}, to XXXX XXXX, and a {$81.00}, bill to the hospital. All, I presume, was for the lab testing, in which, I did not instruct, XXXX XXXX, to submit!!! The and companies name and account numbers, for these illegal, transactions, are Credit Systems International XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX, account # XXXX, Address identification # XXXX, Original creditor, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, TX XXXX, ( XXXX ) XXXX, Account # XXXX, Address identification # XXXX, Original creditor, XXXX XXXX XXXX XXXXXXXX parties, needs to remove all negative information, from my credit reports ... and, cease, all harassing calls, and attempts, to collect a debt, that I do not owe.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Citi Credit Cards advertise compliance with federal laws pertaining to the allocation of payments made to balances owed at differing interest rates. Citi 's terms of service state that, " The minimum payment is first applied to any interest charges, late fees, and past due amounts ( if applicable ). The remaining portion of your minimum due will be applied to the balance with the lowest interest rate. Any amount paid over the minimum due, will be applied to the balance with the highest interest rate. If you have more than one balance at the same promotional interest rate, and no other balances at a higher interest rate, the payment is then applied to the promotional offer that expires first. '' In practice, payments made that exceed the minimum amount due are not credited or " allocated '' to the highest interest rate. Citi advertises a remedy to this issue on their website : contact customer service and request the payment be reallocated to the highest interest rate. There are issues with Citi not automatically applying payments to the highest interest rate balance after the minimum payment has been satisfied. 1. Customer service is unaware of this issue and lacks the authority to reallocate the payment. 2. My wait time between requesting the reallocation ( XXXXXXXX XXXX ), being transferred to a supervisor ( XXXXXXXX XXXX ), the supervisor responding ( XXXXXXXX XXXX ), and then receiving confirmation that Citi incorrectly applied the payment ( XXXXXXXX XXXX ) exceeded one hour. This is an unreasonable amount of time to spend correcting an issue for which I am not at fault. At scale, Citi 's practice of not applying payments that exceed the minimum amount due first to the highest rate balance is likely costing consumers millions of dollars in interest. Citi 's advertised remedy of contacting customer support to get the payment allocated correctly ( XXXX Citi 's terms and conditions and federal law ) is unreasonable for the average consumer, and - at scale- is likely wasting thousands of hours of consumers ' time and discouraging them from holding Citi accountable for how it applies payments made that exceed the minimum balance. Lastly, when Citi discovered the error, there was no mechanism to ensure the error was fixed " globally '' ( company-wide ). The errors are simply corrected as consumers report what they have discovered. The same error can occur month after month. Citi will continue this predatory practice without intervention from an authoritative source.
Product: Money transfer, virtual currency, or money service

I am filing a complaint ag

ainst Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX  XXXX  account number XXXX, XXXX XXXX XXXX XXXX  account Number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I file this complaint to respectfully request that my two XXXX XXXX accounts be added back to my Equifax credit report. These accounts do not appear on my report which is adversely impacting my XXXX score. One such account is my XXXX XXXX XXXX credit card ending in XXXX. This account was opened in XXXX and is current and in good standing. The other account is my former XXXX XXXX XXXX credit card ending in XXXX, which I opened in XXXX and closed in XXXX. I am unsure why these accounts were removed from my Equifax credit report. I attempted to resolve these issues with XXXX XXXX directly through a prior complaint with the CFPB. However, XXXX XXXX put the blame on Equifax. I have attached Capital Ones response to my CFPB complaint, my Equifax credit report, and my ID, social security card and recent utility bill. Please coordinate with XXXX XXXX to restore these accounts to my Equifax credit report.
Product: Debt collection

Company Trident Assets Management has reported to 2 credit reporting agencies that I owe {$470.00} for a debt that isn't mine. I sent a letter to them stating show proof i.e. original document bearing my signature. The company sent their proof which was an old bill that DID NOT show any original proof i.e. mine signature. I sent an additional letter asking them to show original proof bearing my signature, 30 days have elapsed and I still have not heard back from them via phone, email, or mail showing their proof bearing my signature.
Product: Payday loan, title loan, personal loan, or advance loan

Lendmark financial services is reporting late payments to an account that is closed. Per US Code 15 C 1681 B, states that any negative information must be approved by me in witting, i didn't give any permission to do so
Product: Debt collection

I was a few days past due on my credit card account through Comenity for Zales and began receiving multiple calls a day from a private number. I do not answer calls from private numbers as they are often spam calls. This caller never left a message but would call repeatedly. Had they left a message then I would have known to check my account. Finally, I answered and they told me who they were and why they were calling. I got online and made the payment as soon as I knew. 

The ridiculous number of calls I received is the topic of my complaint. It was 4 calls in 3 hours each day. I have multiple jobs and go to school full time. If it isn't important enough to leave a message or call from a visible number, then it isn't important enough to call that many times.
Product: Mortgage

The law firm Hunt Leibert Jacobson PC ( HL ) and it attorneys are using the superior court of XXXX to bring fraud upon the court through a foreclosure to execute theft of real property. The Maker of the Note and Mortgage is deceased. The firm named as the defendants the beneficiaries who are not on the documents of the complaint, and have only an inchoate interest in the property. XXXX statute 802b requires all claims on real property to be filed in writing with the fiduciary of the probate court. HL nor the plaintiff have filed a claim with probate. XXXX statute asserts all property is under the jurisdiction of the probate court, Federal Statute does not allow a man to have to pay a dead man 's debt. HL has a motion of default for failure to plead, and a motion for strict foreclosure to deceive the defendant who appeared into believing, and thus consenting that he must pay the dead man debt. The defendant has filed notice into the court that he is not the owner, and can not be responsible for this debt. HL is using procedure to deceive the defendant into the loss of the property. Rescission was mailed pursuant to TILA. XXXX v XXXX XXXX XXXX XXXX XXXX settled that rescission, right or wrong, voids the mortgage and the note, and the lender/creditor must perform bring a non foreclosure lawsuit to prove their claim against the maker of the mortgage and note. HL and the plaintiff did not file a claim against the rescission Instead they used the prima facie documents in a foreclosure suit, after rescission, with the knowledge the note and mortgage are void by operation of law. The foreclosure suit was filed in the name of a plaintiff that had ceased doing business, rather than the name of the correct entity
Product: Debt collection

This collector calls repeatedly ( 3-5 times a day ) it is extremely harassing and I never authorized my medical provider to give this debt collector my information!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with Chase regarding them incorrectly saying that I was late. I opened a complaint with you number XXXX. In XXXX the company agreed to remove the late status. The company never did remove the late status and it's still on all of my 3 scores.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this FTC Identity Theft Affidavit to report fraudulent activity that has affected my FICO credit report. This activity includes unauthorized accounts and fraudulent collections resulting from identity theft and fraud. I demand that these fraudulent items be removed from all of my credit reports and that any collection activity related to these items cease immediately, pursuant to my rights under FCRA 605 ( b ), 15 U.S.C. 1681c-2, and applicable provisions of the FDCPA. FTC Report Number : XXXX, XXXX date XX/XX/year> I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and FCRA 605 ( b ) when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I received the attached letter from AidVantage. This letter was completely fabricated. I contacted XXXX XXXX and they did confirm that my loan was indeed an XXXX XXXX XXXX XXXX loan when they transferred it over to AidVantage. They will be mailing that documentation. AidVantage change it to 'Pay as you Earn ' without my permission. Also, AidVantage is refusing to release the phone call that happen in XXXX, XXXX which will show that I specifically told their Rep NOT to change my account for a {$6.00} difference, This would have caused my account to go from {$200.00} to {$190.00} a month. This would not have benefit me at all. Lastly, many accounts have been changed from a XXXX forgiveness to a XXXX forgiveness without the students knowledge. 

I was approved for the {$200.00} in XXXX, XXXX, the loan has been on hold since that point. My next recertification is not due until XXXX, XXXX. AidVantage are using deceptive and intimidating practices. They kept trying to get me to recertify over the phone when they knew I was not scheduled until XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reported 1 late payment from 2 years ago XX/XX/2021 from ( The XXXX XXXX XXXX ) a credit card account that is paid in full. And current at this time this late payment that has appeared on my report from 2 years ago has dropped my score from excellent to good and has jeopardized my chances of getting approved for an mortgage i have no other late or derogatory marks on my report and has worked very hard to keep my report in good standing this has affected my livelihood tremendously