23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear CFPB, I am complaining about XXXX XXXX XXXX XXXX, XXXX XXXX  stealing the assets of the Heir XXXX XXXX XXXX at our family home at XXXX XXXX XXXX, XXXX, Illinois XXXX. 

They sued my deceased parents which is legally impossible ( NO SERVICE OF SUMMONS ON MY DECEASED PARENTS ) The Mortgage Insurance premiums that my deceased parents paid for, paid off XXXX XXXX  on XX/XX/2013 in the amount of {$97000.00}, FHA Case # XXXX. 

After they got paid they continued to foreclose against my deceased parents which you can not do, Pursuant the Illinois Judicial Foreclosure Law 735 ILCS 5/15-1501 ( a ) ( i ) Which makes a Mortgagor a necessary party and a indispensable party to a foreclosure action. 

Then they sued me a non-mortgagor and stole the assets of the Heir XXXX XXXX XXXX and even my personal property at our lifelong family home at XXXX XXXX XXXX, XXXX, Illinois XXXX. 

The law of Intestate succession was violated and stolen pursuant Federal and State of Illinois Law of Decent and Distribution : XXXX ILCS XXXX ( b ) Which reads in part ; ( If there is no surviving spouse but a descedent of the decedent : the entire estate to the descedent per XXXX ) Once again XXXX XXXX XXXX XXXX XXXX  their attorneys have committed fraud and theft of the assets of the Heir XXXX XXXX XXXX XXXX the Son and Next of Kin of XXXX XXXX XXXX and XXXX XXXX XXXX , they have falsified, the character, amount and legal status of the debt when they got paid by the XXXX Insurance that my parents paid for on XX/XX/2013 in the amount of {$97000.00} on XXXX. 

Once again the assets of the Heir XXXX XXXX XXXX Pursuant 755 ILCS 5/2-1 ( b ) was threatened, abused, harrassed, Vandalised, tresspassed, evicted and stolen by the Bank, their attorneys and the court. 

The Heir XXXX XXXX XXXX never signed a note in the amount of {$100000.00} The Heir XXXX XXXX XXXX never signed a mortgage in the amount of {$100000.00} The Heir XXXX XXXX XXXX never borrowed any money from XXXX XXXX  and XXXX XXXX  in the amount of {$100000.00} The assets of the Heir XXXX XXXX XXXX the Son of XXXX XXXX XXXX and XXXX XXXX XXXX ( My Parents ) Was XXXX, XXXX, tresspassed, Usurped, Vandalised, Evicted and stolen by The Bank, their attorneys www.logs.com and elected and appointed officials of XXXX XXXX, XXXX, Illinois. 

Once again XXXX XXXX  got paid on XX/XX/2013 in the amount of {$97000.00} They have stolen the assets of the Heir XXXX XXXX XXXX pursuant the Law of Decent and Distribution 755 ILCS 5/2-1 ( b )
Product: Debt collection

I do not have a signed contract nor any contract with this company. I have the right and by law demand to see a signed contract between myself and this company or request for them to immediately remove the damaging account for {$170.00} they have showing on my XXXX, XXXX and XXXX credit reports. Also, in looking into this company I see they were not even registered in my state to be collecting funds from anyone. Further I have already attempted to send letters to both the collection agency and each of the credit bureaus and all three accounts still remain and I feel as if I am unjustly being asked to suffer and or pay a debt that is not mine so that I am not further damaged. I have yet to receive a letter or a phone call with any proof validating this debt which is to be done by law. I am coming to CFPB with a desperate attempt to get this rectified. Thank You
Product: Credit card or prepaid card

I have capital one venture card for more than 6 years. 
In XXXX and XXXX I had a lot of customers service issues. My card didnt work in most of the transactions on line. I lost several good offers. I asked to set up telephone notification for my credit transactions, but it was never done. 
My card was stolen and I requested the new card, but it was never sent to me. 
I had to request it 3 times. It was human error. Associates just forgot to order it, than to send, etc. 
But for some reason they didnt forget to charge me the annual fee, that I was sure was inappropriate to do for lack of service I received. 
I contacted with capital one executive office and I was promised to waive annual fee for 2 years : XXXX and XXXX. 
In XX/XX/XXXX I called to the customer service to make sure, that the promise will be in effect. The bank charges annual fee in XXXX. 
I got the answer that it will be waived. I repeated the question and got the same question. 
I was really surprised to see the annual fee on my XXXX statement. I called, spoke to multiple people. They refused to do anything. ( spoke to different representatives 3 times in XXXX and 5 times in XXXX ) The last person I spoke was XXXX ( spoke to him XXXX XXXX ), senior account supervisor. He hardly spoke to me. He was rude and answered all my questions like I was pulling his teeth. I asked to provide executive office adress, Tel number and email. 
He refused to provide. I asked to listen to recorded conversations, he refused it too. 
I asked him to close my credit card and return the portion of annual fee, he also refused. 
I need your help to resolve this matter.
Product: Credit reporting or other personal consumer reports

I am not affiliated with these inquiries or the creditors mentioned.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 

I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XX/XX/XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the AXXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 

Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Fair act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account un open end consumer credit plan As late for any purposes.
Product: Mortgage

Dear Sir/Madam, I am filing a formal complaint against PennyMac Mortgage Lender due to several issues I have encountered with their services. I believe their actions have been unprofessional, misleading, and in violation of my borrower rights. I request your assistance in investigating this matter and taking appropriate action.

Key Complaint Points : Failure to Recast Mortgage : Despite making a {$70000.00} lump sum payment with the intention of recasting my mortgage, PennyMac initially indicated it was possible but later reversed their decision without providing a valid reason. This inconsistency has caused confusion, frustration, and financial hardship.

Unauthorized Deletion of Messages : PennyMac has deleted messages from the " Message Center '' without my consent. This raises concerns about transparency, accountability, and the preservation of communication records, suggesting a disregard for proper protocols and customer rights.

Failure to Adjust Monthly Payments : Despite the lump sum payment, my monthly mortgage payments remain unchanged. This contradicts PennyMac 's assurances and reasonable expectations. The remaining loan term also reflects 354 months, indicating a failure to account for the payment made.

Financial Difficulties and Loan Transfer : I am facing financial difficulties resulting from PennyMac 's practices. The transfer of my loan from XXXX XXXX  without my consent has exacerbated the difficulties and frustrations experienced throughout this process.
Product: Vehicle loan or lease

FRAUDLANT LOAN WAS PLACED IN MY NAME APPROXIMETLY 13 YEARS THROUGH TOYOTA FINANCIAL AND THEN THE ACCOUNT WAS PASSED ON TO XXXX AND XXXX AND NOW MY WAGES ARE BEING GARNISHED BECAUSE OF IT
Product: Credit reporting or other personal consumer reports

I was informed that I was apart of a data breach with Equifax Data breach. Equifax failed to inform me of this information and have not provided any resolution to resolve the unverifiable accounts on my credit report. Equifax failed to properly investigate disputes and failed to provide adequate notice to consumers of the outcome of the data breach according to 15. U.S.C 1681i-Fair credit reporting act ( FCRA ) Section 611, 15. U.S.C 1681e-Fair credit reporting act ( FCRA ) Section 607 and 15. U.S.C 1681c-Fair credit reporting act ( FCRA ) Section 611. According to FCRA section 605B it is illegal to report anything on my credit report without my permission.
Product: Payday loan, title loan, personal loan, or advance loan

An Affirm Loan was opened on XX/XX/year> for {$7000.00} + {$1200.00} finance charge = {$8200.00} of total payments. My Loan ID is : XXXX. 

XXXX  processed my order. I am filing a complaint against www.scalingwithsetters.io/program because the website clearly depicts a scam. I've fallen victim to XXXX XXXX XXXX. The loan was opened in my name by a fraudulent pay-to-work scheme. 

I am including a link below that helped me find CFPB in filing a complaint against this deceptive company. Thank you. 

XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is nearly impossible to speak to a live person when calling Experian. The customer service options are terrible, they ask to verify your SSN and address then give you 1 of 2 options, none of which refer you to an actual person! It is unbelievable. I tried to log in online today and it's making me get a text or call for " verification '' before I can access my account, but when I click to receive a text or call, i get an 'oops ' error message and referred to the number to call. This is insane, I can not believe I can ; t get to a person. I need to know something on my report considering I can not see it online and there is NO ONE to help me at Experian. It is business hours. I have tried over and over again and selected every option, even trying to get through to the fraud dept out of desperation. This should not be allowed! They must make it easier for consumers to get in touch with them.
Product: Credit card or prepaid card

I have had an issue with Bank of America charging the wrong account when I make a payment. 
My credit card accounts only have ONE pay from account. I have had to delete old accounts at least three times when they have reappeared. 
On XX/XX/XXXX - I made my regular payment.

On XX/XX/XXXX - I logged into my bank account and there was a note that Bank Of America attempted to withdraw from my spending account. This was previously the account that I had the XXXX  money withdrawn from - but deleted it from my profile. I then resubmitted the withdraw and confirmed it was from the correct account. 
On XX/XX/XXXX I was charged {$27.00} for a " returned check fee '' - even though it was not a check. 

This has happened several times and I have confirmed that all other pay from accounts are currently deleted. A customer service rep told me last year that this happens when their system is upgraded and it pulls back in old accounts.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2500.00} Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$180.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$88.00} Account Name : XXXX : Account Number : XXXX : Balance : {$920.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$830.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$350.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$10000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$11000.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$13000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX : Account Number : XXXX : Balance : {$15000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$24000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$81.00} Unauthorized Inquiries : 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
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquires from XXXX XXXX. I did not apply for these credit cards and I called Experian on XX/XX/XXXX to file a dispute, but they ignore my complaint and the hard inquires remain.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 
Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I have a Chase Sapphire Preferred Ultimate Rewards Credit Card that I got specifically for the purpose of receiving points through personal shopping and travel. Over the last 8 months, I have made three separate reservations through Chase 's Ultimate Rewards website ( one round-trip plane reservation in XXXX XXXX and two different hotel bookings in XXXX XXXX. ) There are 'Trip Confirmation ' receipts in my Trip 's folder on the Ultimate Rewards Website that state exactly how much money I spent and how many points I was supposed to receive for each trip : XX/XX/2022 - XXXX points, XX/XX/2022 - XXXX points, and XX/XX/2022 - XXXX points. However, Chase has not given me these points and while two different 'escalations ' were made regarding these matters in XXXX XXXX and XXXX XXXX no one has given me an answer as to why I haven't received them or when I will receive them. 

I have spent hours on the phone being transferred to numerous different representatives, supervisors, ect. all of whom argue over which department is supposed to handle this and none of whom ever gave me any real answers. The higher up I got, the more likely I was to be told I would get an answer before being placed on hold only to end up back at the start of each departments phone system, almost as if they were deliberately trying to get me as frustrated as possible so I would hang up. One day I did just that after three hours of this endless routine and talking to over 15 different people across multiple departments. 

I spent a lot of time researching what type of personal credit card to get and I am incredibly disappointed in the customer service and care that I have received from Chase. As a business owner who was considering switching all of our accounts to Chase, I can no longer say I have any faith in the company 's ability to handle my personal or business finances in the future.
Product: Mortgage

I am in the process of refinancing a commerical loan. The loan was with XXXX but somw how its being serviced by OCWEN a collection agency. I am NOT in collections nor have I ever missed a payment. The issue is on XX/XX/XXXX my closing company and myself placed a call to OCWEN for a payoff, In doing so the OCWEN customer service agent gave us the date XX/XX/XXXX that we would have the final payoff. On XX/XX/XXXX we again placed another call to OCWEN and we where told the paperwork and payoff would not be ready until the XX/XX/XXXX. On the XXXX I started calling again because we still did not have a payoff figure or any paperwork to make the payoff. About XXXX XXXX called me back stating she just got involved and how could she help. I explained to her the above and she informed me that my relationship magager was not in and they had to pull my loan agreement from XXXX. But she would be able to send me the payoff figure. Again she called me back at XXXX and told me that I had to make the payoff today XX/XX/XXXX or according to my contract or I would owe a full months interest, this being about {$2800.00}. When I stated that could never could happen she advised to my closing company to just back date the paper work and close on XX/XX/XXXX. The closing agent said she would never do that and the new leanding Bank would never agree to this type of fraud. My closing agent asked if XXXX could run this up to a higher manager to ask if something could be would out, she finally agreed. At this point it was about XXXX XXXX and my Bank closed at XXXX XXXX so a closing could never happen. 
Well to make a long stroy short, I received a call aback from XXXX XXXX this morning XX/XX/XXXX stating that at XXXX XXXX this morning my pay off was faxed to my closing company with the additional {$2800.00} due. She would not do anything with it. I asked XXXX again about some kind of coursety write off since this payoff was promissed back on the XXXX of XXXX to be in my hands by the XX/XX/XXXX, then told on the XXXX no the payoff will not be ready unitl the XXXX and on the XXXX told it would take at least 24-48 hours more. I truely beleive OCWEN was putting the pay off for this time just to ake the extra {$2800.00} in interest. 
I feel that OCWEN works just like they say, a collection agency and will do everything in their power to get as much money as they can from their cliants. 
I do beleive this has happen to many others for the same stall tactics they gave me. 
Please help me to stop OCWEN from doing this to others and help get my over payment of interest back. 
ThanksXXXX XXXX XXXX XXXXLoan Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When i was XXXX i got a credit card from XXXX XXXX im XXXX and still am not able to get it given back or any credit anywhere after accidentally putting it in an atm machine. It was identical looking to my debit card with XXXX XXXX. I extremely extremely need an end to this distasteful closing of my account. I cant even get married because i cant get credit since. I made every payment on time and in full for a year before the " incident ''. Ive had to turn down 6 proposals over this because i cant make my party happen. Help
Product: Debt collection

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and Trans Union ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA.

Name Account COLLECTION. 
XXXX XXXX XXXX. 
Account Opened. 
XX/XX/2023. 
{$3900.00}.
Product: Debt collection

Repeated harassing phone calls from Sallie Mae to pay a student loan debt that my daughter is paying ( barely, as it is a large monthly percentage of her salaried income ). It is true that she is close to default but she keeps paying in order to be not in default. I am a co-signer so I receive harassing calls all the time as well. She has tried to set up an alternative relief plan but we were denied because we somehow " make too much money '' despite both being barely able to afford this. The most egregious of the phone harassment offenses comes when they call my physical NEIGHBORS. They do a phone lookup of the homes that are on my street and call all those people asking to speak to me or my daughter. Now my neighbors all know my daughter and I are having trouble paying her student loan back. This is a violation of the Privacy Act and it is completely unacceptable. Sallie Mae must be prosecuted for this, cease all such activity, and stop harassing me. We will continue to pay our loan debt as best we can to avoid default.