23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX  ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15. U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions.
Product: Mortgage

Please review my loan information My Interest rate too high 7.75 % My monthly payments XXXX XXXX XXXXXXXX : XXXX. Interest rate : 3.875 % Monthly payments XXXX to present : XXXX. Interest rate 7.75 % Origination date XXXXXXXX. Loan amount XXXX Initial rate adjustment. XXXX. Initial interest rate 3.875 %. Net rate change date. XXXX  Change percent limit 2.000 %. Index type LIBOR Thank you
Product: Credit reporting or other personal consumer reports

1.. Incorrect information including payments, balances or status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2022 I went to XXXX with my cousin was about find a suitable car and do work on finances the support person has taken the information and I told specific to not to run any hard queries until I finalize the car and prices. 

She went and ran the credit for 3 different financial services and when I get an email I ran to the office and told her why you guys are running the credit without the car being selected she then is apologizing and accepted her mistake. I want that to be removed from my credit. This is a bad experience as Im struggling with their behavior when I clearly mentioned not to do hard checks.
Product: Student loan

I applied to renew my income based repayment on my student loans on XX/XX/XXXX. I received a confirmation letter from Navient that my application had been accepted on XX/XX/XXXX. I received another letter from Navient onXX/XX/XXXX that my Income Driven Repayment Plan had been approved. It also reported that I should expect to receive the details of my new repayment plan after my current plan expired on XX/XX/XXXX. It instructed me to submit a new IBR application, even though Navient had already sent confirmation of receiving my application and sent confirmation that my income driven repayment plan had been approved.

As of XX/XX/XXXX, I have not received the details of my new approved Income Driven Repayment Plan. What I did receive today were 3 separate emails stating that my payments would be increasing to the amount I would have been paying had I not renewed my repayment plan. I would like to know the details of my approved income driven repayment plan and for my monthly obligation to reflect that repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$6300.00}, {$83.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$83.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX, XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2600.00} ), XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX  XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX. ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX XXXX. ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX, ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX ), Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

I have had a mortgage with Bank of America for about 13 years. It has been beyond challenging every step of the way. The mortgage is in the name of the Estate of my deceased partner. Early on, I sent B of A documentation dozens of times in order for me to have access to the account allowing B of A to discuss the loan with me. Finally the last few years have been somewhat smooth as I am the only one associated with and paying this loan. I pay the mortgage on time and for the past 3 years or so have been paying an extra {$500.00} a week. Finally their system was posting the extra payments properly to principle.

B of A recently transferred my mortgage to XXXX XXXX XXXX. It should be mandatory that when a company transfers a mortgage they they transfer the mortgage with all documents and authorizations that belong to the mortgage. Bank of America did not do that. 

I called XXXX and via the automated system was able to deduce that they are not posting my {$500.00} to principle but instead to future payments. That is not the way I want it and I have the right to make extra principle payments. The problem is XXXX refuses to speak to me because they way I'm not authorized on the account. INFURIATING!! 

They say I have do dig up the past related to the death of my partner and find old documents and prove I'm authorized on the account. I'M NOT DOING IT! Bank of America has those documents and has received them more times that I want to recall. Bank of America needs to contact XXXX with the documents and then get all of the principle payments sorted out as that is impacting the amount of interest I pay. The consumer should not have to fix the problems that to big lazy institutions have created. These kinds of errors and sloppy postings could ultimately create issues that might impact my credit. I want this fixed now but B of A and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original loan from XXXX XXXX XXXX loan XXXX is XXXX and I had paid the prepaid finance charge it was on XX/XX/XXXX. On a bill dated XX/XX/XXXX it has the original principal as XXXX and only 5 % of my payment going to the principle but The prepaid finance charge was already paid up until XXXX when my original repayment should have begun. They tricked me into paying as soon as I got a loan saying It was the option I selected. I stated i verbally asked for deferred and they said I signed the loan documents, not those ones I didnt. I paid on loan ending in XXXX up until XXXX, giving them over {$5000.00} in 5 years of payments. This more than covered the original loan and since it didnt take me 20 years to pay back my finance charge would be considerable less but they say no refunds on that, but thats 95 % of my monthly payment and there is no penalty for paying off a loan early considering I did it before I was out of school and any interest should have been occurring. The other two loans I was explained where two separate accounts of XXXX, one for the principal and one for interest. I didnt have XXXXhree separate loans from them. So a account number ending in XXXX is loan XXXX broken up not 3 independent loans, now my dad didnt know I was paying on this loan while in school and was told I didnt pay anything and he gave them XXXX, XXXX and XXXX as he paid as requested in the settlement opportunity. So my account is closed that means the negative balance of XXXX totaling {$14000.00} is owed to bring loan XXXX to a XXXX  balance, and status needs to reflect paid in full and paid off early for loan payment XXXX and that account covers the sub accounts and they should have never been added as separate accounts as my payments paid the loan off.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX after trying to purchase a flight XXXX $ flight on XXXX XXXX my cash app card. They denied the transaction and placed it as cancelled but took a portion of the money ( XXXX $ ) and only left XXXX $ in my account. 
Then after this happened I reached out to their virtual contact line and there was an automated message saying that I would receive it in around 10 days. 
I was not happy with that answer as I was unsure why they would decline my transaction so like any other bank I request to speak to a live agent where they said that that wasnt available and I had to wait XXXX to XXXX business days.. 

This is not the first time they have done something like this in regards to a transaction as it happened first on XXXX XXXX. When I tried to purchase a flight with the total being {$350.00}. And them denying the transaction and holding the money for XXXX to 15 days. With the same situation of me trying to reach out to a live agent as this does not happen with my other banking apps when a transaction gets denied, they do not hold the whole amount of money for XXXX to 15 days. It goes directly back into my account if the card is declined. I was very upset with their being no live agent, but there was nothing left for me to do.
Product: Mortgage

Freedom mortgage contacted us to refinance our loan. 

At the time of refinancing, we were NEVER provided the required final disclosure statements 3-Days prior. Our closing was on a Monday so I both emailed and called XXXX XXXX of Freedom Mortgage on Wednesday, Thursday and Friday before the closing and advised her we had not received our documents and that I did not know how much we were to bring to the closing. 

I was told to be patient, they were busy and putting in mandatory overtime. I was told I'd likely have it on Saturday afternoon. 

On Sunday I received a call from the company doing the closing. They did not have the information either and would call me on Monday to let me know how much to bring to closing. 

I received a call Monday afternoon on how much to bring to closing, however I still NEVER received my final disclosure documents. 

It wasn't until I was at the closing that my wife and I saw the final amounts, which of course were different than we were originally told.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> two illegal transactions were place on my robinhood account where an unknown entity unrelated to me was able to liquidate all of my assets on robinhood without any of my consent and then deposited all of the cash that was legally mine ; {$6900.00} of my money into a bank card ending in XXXX into a checking account all of which I never authorized. 

When I spoke to robinhood they put me through an awful months long process where they said they were going to help me address the theft, but it was a complete unethical process in which they never investigated and they restricted my account and made it more difficult for me to conduct my own investigation of how to get my stolen money back. I was given multiple case numbers, told to sit for multiple phone calls where they asked me the same questions not directly related to my case, gave me the run around, and ultimately they closed the investigation without ever discussing the status of the case or how an unknown bank account was able to drain my cash from my robinhood ( connected to my personal bank and SSN ) without my permission. 

It has been months and robinhood has completely stopped responding and I never had a direct point of contact and was update on what happened. I also reported them to FINRA, SEC, and now I will report to the FBI.

They lied about the details of thier investigation in both a FINRA and SEC report. I have spoken to thousands of people who have had this experience with them of robinhood restricting their account after money is stolen, and then giving the victim the run around ultimately to never help them receive their funds back. 

Robinhood is illegally earning peoples trust and allowing theft on their platform and only further hurting the victims by stalling investigations and keep their platform a safe place to commit theft and steal from their costumers. Robinhood has violated all of their guiding principles and protect criminals who steal from hardworking civilians who use their platform for trading and storing cash.
Product: Credit card

In XXXX of 2023 I had made a purchase at a XXXX in XXXX WA, with my XXXX XXXX credit card ( Bank of America ) and lost my card somewhere between the self checkout stand and going to my car. There was a charge after for {$230.00} from the same XXXX and a 3rd charge to the same store that was blocked. Continual charges in the amount of {$2.00}, {$26.00}, and {$4.00} were made in XXXX and XXXX totaling {$270.00}. The credit card company alerted me which was how I noticed the charges and that I no longer had my credit card. None of the transactions were reimbursed and I ended up having to pay for fraudulent charges. These charges were made XXXX miles from where I live and work throughout my workweek. I also do not make multiple purchases in the same store as I presume most people do not do, but regardless that was overlooked. I believe I was not reimbursed because I did not see the alert regarding my account until after a couple of days later. I have not made any purchases on this credit card since this happened as I dont feel safe making transactions. 
Today, XX/XX/XXXX, I called the credit card company to close my account and there was an offer to reopen the fraudulent case but I still feel this should be reported. 

Thank you for your time, XXXX
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 XXXXXXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  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: Debt collection

This debt was paid. After numerous attempts to dispute I had no choice but to pay this. Please remove from all 3 credit reporting agencies so that I can move on with my life.
Product: Credit reporting or other personal consumer reports

HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. i recently did an investigation on my credit report and i am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy.

You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says i have the right to decide what i deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW 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.

Under 15 U.S. Code 6802- I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or had provided to the consumer a notice, which i have not received. 

XXXX XXXX [ Collections XXXX ] opened XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX opened XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX opened XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX opened XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX XXXX [ XXXX XXXX opened XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] opened XX/XX/XXXX to XX/XX/XXXX XXXXXXXX XXXX XXXX [ XXXX XXXX ] opened XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX [ XXXX XXXX ] opened XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX [ XXXX XXXX ] opened XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX [ XXXX XXXX ] opened XX/XX/XXXX to XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items should be removed immediately that came in alleged fraud. Please remove the following items : 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 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 reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part.

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. My report reflects unauthorized inquiries from XXXX ( XX/XX/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 These inquiries must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, CREDIT COLLECTION SERVIC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDIT COLLECTION SERVIC has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.