23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I requested via telephone that XXXX terminate my account effective XX/XX/XXXX due to a pending relocation. XXXX XXXX of Indiana did not terminate my account timely and has alleged a debt in the amount of {$120.00}. I have received communication from XXXX separate collection agencies, including Stellar Recovery, each of which I have been provided a copy of the contractor 's receipt confirming pickup of my equipment and termination date as well as an accounting of my XXXX account paid in full. I also requested each to cease & desist communication with me regarding the matter. Stellar Recovery knew, or should have known, that this account was in dispute and that a cease and desist order was on place at the time of their XX/XX/XXXX communication with me regarding this matter. Stellar Recovery is in violation of the harassment provisions of the Fair Debt Collection Practices act.
Product: Credit card or prepaid card

I had a {$5000.00} line of Credit with HSBC MasterCard for the last two years. I did a Balance transfer and began paying the card off. 
XXXX XX/XX/2021 I paid {$5000.00} which paid off the card. 
XXXX XX/XX/2021 received an email from HSBC congratulating me on paying of my balance transfer and will help my FICO score and getting on the road to financial success. 
* XX/XX/2021 Received my statement and a {$4.00} remaining interest charge was on it with the credit line still {$5000.00} and credit available was {$4900.00}. 
XXXX XX/XX/2021 Autopay paid the {$4.00} statement balance. 
XXXX XX/XX/2021 checked on line to make sure payment was posted and noticed my credit line changed to {$500.00} ( a reduction of {$4500.00} ) with {$470.00} credit available. I immediately Contacted Customer service and after three transfers 5 differed hold times and a total of 56 minute phone call and no reason could be found as to why my credit line was decreased. It was noted that a hard copy notification letter was sent but unable to locate the letter or verify it was actually sent as no date of mail was documented. The CSR was confused as to why this was as well. Then he put me on hold one more time which disconnected me. 
XXXX XX/XX/2021 Received my statement with a {$29.00} balance for a charge, but credit line changed to {$500.00} ( a reduction of {$4500.00} ) with {$470.00} credit available. 

This is the 4th financial agency that has done this to me after paying of my cards. I had payed my payment 100 % on time and my income has stayed the same. 

These actions affect the most crucial part of my credit score and report as the percent of credit used to line of credit ratio is the number one affect on a persons credit score. 

The move by HSBC dropped my credit score by 3 points and put me well below the 720 which is what is needed to get the best Home Mortgage Interest Rate. 

It does not encourage anyone to payoff the credit cards if it is only going to lower your credit score.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I had received a call from my banks fraud department I been informed that a XXXX XXXX had access to my previous account. As far as trying to fix this cash app has allowed this person to take funds from my account and take over my debit card that was linked to my bank account. Cash app denies all wrongdoing and says that they are correct infact as a matter of fact that the documents that I provide will show otherwise. I will be using these documents in the court of law ialso have explained the situation over and over again. As you can see the card number ending with XXXX will show that it belonged to me and I did in fact have it in my possession with my name. Now you never found it odd that someone else got access to the same card information as the same as mine did you.
Product: Student loan

Nelnet has been continuously negligent by providing false information on numerous occasions. IN CFPB Case ( Withheld ) Response they failed to answer FCRA legal request and provided incorrect loan payment amounts. Payment amount in case was stated as a higher amount than due on website. This is illegal under FDCPA by trying to collect more than is due at any given time. Nelnet has continually breached it's Federal Contract, which it has not addressed in any claims, failed to respond to open records request for information, provided information as Department of Education wen in fact it was Nelnet in behalf of DOE, continues to provide misleading, and incorrect information. It has reported incorrect information to CRAs repeatedly. The CFPB and Department of Education continue to ignore this gross misconduct even when provided with information from solved disputes from CRAs where Nelnet was at fault of giving incorrect information. This is clear evidence of negligence and collusion, which is now gross misconduct. This should be brought to class action Status based on similar claims of misconduct and reviewed by Senate Oversight Committee responsible for Government Contract with Nelnet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inconsistent information being reported still showing past due when charged off. Date open is inconsistent from each credit bureau. 
XXXX date open XX/XX/2019 Equifax date open XX/XX/2019 XXXX date open XX/XX/2019 Past due XXXX Disputed
Product: Debt collection

Bmw Financial servir keep calling for me make a payment of a debt that the insurance payoff.
Product: Debt collection

Credit Collection Services sent me a letter stating that I owe an alleged debt This company has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights. Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy. Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights. Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!! ( Please see form attached ) Due to your companies negligence I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided then you are to black and delete this inaccurate information Pursuant to 15 USC 1681c-2 This is identity theft due to the purchase of the alleged debt
Product: Bank account or service

On XXXX XXXX, 2016, I deposited a check via in the amount of {$1200.00}. While I was in XXXX, a person by the name of XXXX XXXX stole my check and deposited it into their account on XXXX XXXX, 2016. 

Chase Bank then withdrew {$1200.00} from my account as a memo debit and I inquired about having my funds returned. I asked to speak with fraud and to file a claim but they told me that they were not able to file a claim at all since the thief has the physical check. The check was issued to my name, " XXXX XXXX XXXX '' but Chase was unable to help with my issue. I filed a notarized document with the issuer of the check and have yet not received any feedback if my funds will be returned or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report repeating incorret questionare problems I encountered by logging into the Experian credit service and policies today ; as well as problems not being able to speak to a live person today. 

I called Experian questions department that was referred to me by an XXXX letter dated XX/XX/XXXX due to a previous log-in issues dated XX/XX/XXXX ( I had my PIN number ) and a verification of a new address, which is not new, but a variation of this existing address that we live on for seventeen and half years now. 

I wanted to submit a copy of my driver license and a phone bill as a proof identity to clear up any record problems. Our address variations are XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX These are all the same address and the last two abbreviations were used for fifteen years without problems. Recently, our post office wont deliver certain mail or packages if the street name is XXXX XXXX or XXXX XXXX. 
I did get locked out of Experian due to one of the variations being listed as previous address, which is not correct. 

Once again they have errors in their records, because I answered questions No. 1, 2, and 4 absolutely correctly. Question No 3 was about credit card names, which I did not recognize. I verified the information per their XXXX credit report for my husband dated XX/XX/XXXX and my credit card statements. This report was provided to him due to a complaint filed with your office XX/XX/XXXX ( Complaint No. XXXX ). 

I am also running into problems with Experian listing an employment at XXXX XXXX, which is my husbands previous employer, not mine. I wanted to make sure XXXX   does not list it as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries I dont recognize on my report such as XXXX XXXX credit date XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX on XXXX On XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Truist Bank XXXX On XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion have all failed to provide validation of public records listed in my files under my name and social security number. I have reached out to all 3 credit reporting agencies and they have failed to provide requested information. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy Courts of Atlanta DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, XXXX, XXXX  and Transunion actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please see the attached documents to support my findings. I have reached out to The United States Bankruptcy Court and received a letter in return stating The Clerks office does not provide information to credit reporting agencies. XXXX  has not provided any feedback on my request to validate public records. I have attached all supporting documents reflecting the last communication from XXXX  regarding inaccurate information reporting on my file. Once again XXXX  has reported inaccurate information on file credit file. Transunion has not provided any feedback on my request to validate public records. XXXX  has not provided any feedback on my request to validate public records. Please see my attached documents.
Product: Mortgage

Called TIAA Bank on XX/XX/XXXX for a payoff amount on my loan. Was quoted a payoff amount of {$41000.00} as of XX/XX/XXXX. 

Mailed a cashier 's check in the amount of {$41000.00} by certified mail on XX/XX/XXXX. The check was received and signed for by TIAA Bank on XXXX. An overpayment on the loan in the amount of {$550.00} was issued on that date and mailed to us. 

I called TIAA bank on XX/XX/XXXX and spoke with XXXX about the status of the closing document on the loan. XXXX told me that all the payoff documents had been filed with XXXX County and that must be where the hold up was. XXXX told me that it sometimes takes 90-120 days for a county to process the documents. XXXX told me to contact TIAA again by the end of XXXX if I had not received the documents from the county. 

I called XXXX County on XX/XX/XXXX to see if they had received the documentation from TIAA that indicated that the lien on the property was fulfilled. The clerk told me that they had received nothing on this parcel from TIAA. 

I contacted TIAA on XX/XX/XXXX. I failed to write down the name of the person I talked to because I was quite upset. I was told by this person at TIAA that they were " backlogged '' and no documents had yet been sent to XXXX County. XXXX lied to me on XX/XX/XXXX. I asked if 3 and a half months was what TIAA considered " backlogged. '' No answer - I asked to speak with a supervisor. 

The supervisor would not give me her name. She apologized and said that it would take her a week to 10 days to complete the paperwork. I told her that was not good enough. I told her she could expedite the documents and send them overnight so that I received them by XX/XX/XXXX as I felt I had received the run around by TIAA and none of this poor service was my fault. She told me she would see what she could do but there was a " process '' to follow. 

I had not received any closing documents by XX/XX/XXXX. I again called TIAA and spoke to XXXX. XXXX said that the loan closing documents had been sent to the " investor '' on XX/XX/XXXX. I asked who or what was an " investor. '' This was the first that I had heard of an " investor. '' I said that my loan was with TIAA. XXXX said that the loan was sold to XXXX XXXX  but TIAA manages the account. The closing documents would have to come from XXXX XXXX. This was news to me. XXXX said he would call XXXX XXXX  to check the status. 

XXXX called me back the same day ( XX/XX/XXXX ) and said that no one at XXXX XXXX was available to help that day and he would get back to me on XX/XX/XXXX to give me an update on the status of the closing documents on my loan. 

Today is XX/XX/XXXX and I never heard back from XXXX at TIAA. 

I am done. I can not obtain closing documentation on my loan from TIAA. I've done all I can do. I am unable to sell the property because I don't have clean title. XXXX 's direct line is XXXX so that you don't have to spend 30 minutes navigating the phone system at TIAA. XXXX never provided this number, however, I found it on my caller ID. 

Thank you,
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Transworld Systems claims I owe o n account ending  XXXX , formerly with  XXXX   XXXX . The charges on this account are fraud, it was paid off  at one poi nt, a family member then used the card for several online purchases. Prior to account being charged off, sent  to Transworld Systems, I wa s paying on account in the amount of  XXXX  a month. Despite the fraud activity, I was attempting to make payments. Once it was charged off, auto-pay was stopped. I refuse to continue to make payments for fraudulent charges
Product: Debt collection

Subject was contacted on XXXX/XXXX/XXXX around XXXX XXXX  company advised Subject that he owed the amount for XXXX. Subject advised he was recording the call and the company rep decided she would try to verbally attack subject by means that are prohibited by state and federal laws. Subject told company he is not paying anything and they decided to press an issues of suspending subjects driving privileges. Subject makes it known to us and subjects local police department that the Federal Bureau of Investigation and Federal trades commission, Subject States on Record that company is trying all means to collect debt and insurance company also told him that the company being used is ( National Commercial Services ) to collect debt. Subject States call between him and XXXX the floor manager was recorded. Subject statement and report was reported to the Federal Bureau of Investigation and report was taken due to company being under the Federal Bureau of Investigation Criminal Activity Watch System. Subject states that the insurance company is XXXX XXXX XXXX of Ohio. all legal information was recorded to the local police department to Chief XXXX of the XXXX Ohio Police Department and to Federal agent XXXX XXXX. Be advised that Federal Bureau of Investigation has identified the said collection agency as fraud and for the subject not to engage in any contact. and if any further actions is taken or calls are received to contact the Federal Bureau of Investigation and Federal Trades Commission. At this time the Federal Bureau of Investigation and Federal Trades Commission is aware of the issue and fraud and is conducting an investigation and if any legal actions is taken they will handle it in full.

Recordings have been summited to the FBI CFPB FTC Subject is required to forward this CFPB and Federal Bureau of Investigation Report, and the Federal Trades Commission to com-pany 's involved.- Subject states the number listed for NCS is XXXX Contact information for the Federal Bureau of Investigation XXXX Federal Trades Commission XXXX
Product: Mortgage

My lender lied through my application and beyond closing. He now I see lied and said he did my application gave to face when I never met him till closing day. Then he lies and tells me Im getting in on a great opportunity because HUD has a new no money down no closing cost and Id be the first person to get in on it. He said the second mortgage would be forgiven by hud and only XXXX then forgiven. I told him XXXX was too much for me to afford and then comes back and tells me its down to XXXX. I was told I would receive a loan payment at closing which I didnt. The lender lied and said I told him I was XXXX when I was face to face with him and I never told him this. I go after closing get the first statement and its XXXX I go to XXXX and ask him what this was and he says I forgot to tell you before closing I couldnt get you down. I also told them my name was wrong and I was told it didnt matter. So I also asked for the XXXX - original Note And was told I cant have any of that or ledgers for my transaction. I was told that I would be foreclosed on because I was inquiring. I was not given full disclosure and mortgage unjust was committed by the lender from start to finish.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been bought out into the open that you are not hindering records when I sent a copy of the FTC report last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX  XXXX XXXX : {$4700.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also XXXX is reporting the date of last activity as XX/XX/2021 XXXX  is reporting XXXX It is a violation to re-age a collection account of FCRA 605C and This account have a balance but this account was already closed and also in collection/charge-off??? There's no way you can update an account that I have no recollection of even belonging to me. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Credit card or prepaid card

I booked with XXXX for a trip on XX/XX/XXXX. The hotel that I booked the travel for was really terrible. Cigarette smoke. Heavy odor of cleaning liquids. I went online and cancelled the trip. XXXX sent an email and said I will be refunded. They then said I should get a refund as long as I cancel before XXXX XXXX  XX/XX/XXXX. I cancelled at XXXX XXXX. Now XXXX will not refund the {$96.00} and ask I call the hotel. The hotel is not refunding either. I filed a dispute for capitalone providing all the evidence that I cancelled on time. Now for the XX/XX/XXXX transaction they said they will reopen and investigate it. In the meantime, they have charged the transaction back to my account and then charged me interest on it.