23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX was informed properly that I would need my internet/ communications service disconnected at my apartment in XXXX XXXX XXXX XXXX , XXXX the end of XXXX XXXX. I settled my debt to end of XXXX XXXX and double checked that they everything tied up on their end since I moved to XXXX XXXX, XXXX end of XXXX XXXX. XXXX continued to draw from my account every month until XXXX XXXX when I finally had my accounts switched at my bank. I was undergoing XXXX treatment from XXXX XXXX - currently and while I was getting my finances in order I noted this unauthorized withdrawal. I spoke with XXXX XXXX XXXX again and it was " cleared up '' although they refused to return the 1.5 years of unauthorized draws on my account. XXXX XXXX I was made to believe that it was all taken care of. I never received a bill, phone call, email or any communications that there were any problems with my account and that I needed to do more. During XXXX XXXX XXXX - XXXX XXXX I moved back to XXXX at XXXX XXXX, near my family again for support. I again went with the only internet provider XXXX XXXX XXXX. They ran my information and I was given an account. They again reassured me that my past account from XXXX was closed and fine. When I moved after the end of XXXX XXXX back to XXXX XXXX XXXX XXXX, I was very through about making sure that my account was paid in full and closed with XXXX XXXX XXXX, again checking both accounts. I never received a bill, phone call, email or any communications that there were any problems with my account. 
This XXXX I received a threatening phone call from a collections agency ( XXXX and Advance Collections Professionals ) telling me that they would ruin my life if I did n't pay my debt and I should know what they mean. I had no clue what they were talking about and figured it was a wrong number. After a few very scary calls I finally got enough information that it was about XXXX. I immediately called XXXX XXXX XXXX to double check both of my past accounts which I had been informed were in good standing ( closed and paid in full ). XXXX XXXX XXXX assured me that they both were and that they would contact the collections agency to clear it up. I recently found that my credit score went from XXXX to below XXXX because they posted it on my credit that I have an outstanding bill from XXXX for XXXX XXXX, which I was living in XXXX XXXX and had already closed out my account with XXXX XXXX XXXX in XXXX XXXX. This is very frustrating and I feel helpless with this company basically saying " what are you going to do about our unethical behavior ''. I hope you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction below.
Product: Debt collection

I have submitted the documents to the credit collection agency. These are now showing up again through a different agency as of recent. These accounts were reported as fraud during the years of XXXX. I have also submitted a police report to the companies. Along with attached documents Ive submitted on this website. I have tried reaching out to XXXX and XXXX in regard to this matter. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Amount : {$1300.00}. 

I have reached out to all the agencies and tried to explain I have submitted disputes for years now along with police reports. They need to be removed immediately. They are hindering my credit and keep harassing me knowing that my identity was stolen in XXXX.
Product: Checking or savings account

For the last few months Albert bank has been charging me a {$9.00} fee and because my info didn't match with how the so called account was opened I am guessing because they stopped responding, they have not closed it. Apparently this is an ongoing thing because they charged me again a few days ago.
Product: Debt collection

Have no idea what this debt is for, never heard from this company.
Product: Payday loan, title loan, or personal loan

This was my first time getting a Title loan, I got this loan thinking it was like any other loan so I kept watching and didnt see any balance was apply to my loan after each payment. After about 8 months ago or so I call and ask them why my loan balance was not going down and first thing the lady ask me did the person Explain the loan to me that I would have to pay whole balance off to be paid in full I told her no she did not, do I would have never taken the loan. They are giving people loans and not telling people how the loan works and on my application they have me down as my credit score was XXXX score I never had a credit score of a XXXX that a false statement. Is their a law or something can be done about these Title loan to at least tell people how how loan work, right now I know that Ihave paid that loan off.I borrow I think I think {$2500.00}. This loan is by XXXX XXXX at XXXX XXXX XXXX, XXXX, Georgia XXXX. I probably have paid double of that amount, someone told me to write to CFPB, Please, so I can stop other people from getting loan like these.If you need and my Account I can send it in another way on this site. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Ga, XXXX, XXXX.Thank
Product: Vehicle loan or lease

I obtained a loan from Navy Federal Credit Union. I was told I could get said loan funds deposited to have wire transfer to dealers, since this is an overseas transaction. I received final approval and SIGNED ALL DOCUMENTS following said information XX/XX/2024. I was told I had to wait 2 days to receive funds. 

Monday XXXX XXXX nothing happened. Tuesday XXXX I was asked for documents which I IMMEDIATELY PROVIDED. NOTHING else was said. I called in the afternoon to ensure all was going according to WHAT WAS TOLD. The representative TOLD ME I should see the fund that same day or the next morning. I informed the dealer, because they will NOT release the car until funds are confirmed 2 days after wire transfer. WE COUNTED ON NFCU 's word! 

NFCU LIED TO ME! There were no funds! I called but I was told to wait until XXXXXXXX XXXX EST. I did! I waited, but the representative told me the office wouldnt open for another hour. But that I WILL NOT SEE THE MONEY today. 

NFCU had set up a BILL for me already BUT THEY HAVE NOT PROVIDED FUNDS NOR DO I HAVE A VEHICLE BECAUSE OF THEIR FRAUDULENT STATEMENTS, misleading me in this loan process! 

Now, I have to extend a rental several days because of these negligent misinformation by NFCU. My reputation is tarnished, as I come across as a fraudulent liar having just A BILL to show for this fraudulent practice!
Product: Mortgage

As the appointed personal representative of my XX/XX/XXXX I, along with the law firm representing the potential buyer, have been requesting a mortgage payoff since XX/XX/year>2024. The company required certain documentation, all of which has been provided. At one point a customer service representative indicated the requested payoff would be forthcoming within 48 hours, however a letter was received by me indicating yet another document needed to be mailed to them so they could update their files. 
My brother died XX/XX/year>2024, and late fees and interest have continued to accrue to this point. Freedom Mortgage is in violation of the Code of Federal Regulations at this point, which requires a payoff amount be submitted within 7 days of the request being made.
Product: Debt collection

This account is in violation of 15 U.S. C. 1681 ( c-1 ). I have made several attempts to notify the original creditor and the collection agency about this account that's fraudulent or came from identity theft. 
This isn't my account nor do I owe XXXX.
Product: Student loan

I was given the submission form for the School Misconduct Discharge Application after my first CFPB complaint and speaking with a NAVIENT service representative on the phone. I was never sent the hard copy in the mail that I was told to expect, but instead was sent it via the portal on their site, which I did not see until weeks later. It informed me that my loans may qualify for discharge and to fill out the application in order to start the process. 

I then took months to submit 200 pgs of information about the school 's misconduct and how it had caused harm to my life, exactly as the form instructed. It was difficult and painful at times to write, but I finally sent them the binder a week ago. Five days later I received word that my application had been denied because my loans did not qualify because they were consolidations. Only one is a consolidation, but I do not understand why they both would not qualify. I have paid far more than the principal for each at this point and continuing to collect on a fraud-based debt at 12.5 % is predatory as well as cruel. We have already paid for something that we should never have had to pay for in the first place- and yet they still want to collect on it? 

I was extremely upset by their denial of all of my application for those two loans that I have with them, totalling around XXXX, when I had been instructed that my loans might qualify. All of my Federal debt from XXXX XXXX XXXX has been wiped out as a result of the XXXX XXXX XXXX XXXX and I feel that it is cruel and grossly unfair that NAVIENT continues to collect on debts from the same school experience. They say that my loans do not qualify because they are consolidations, but I have known many others who possess the exact loans and had them discharged as a result of filling out the same exact application.

I was shown false job statistics prior to enrollment. There was no mention of the holder rule that I could find on the promissory note, which I know is a federal violation of the holder rule. These are loans that originated in a well-documented case of higher education fraud and they should all be dismissed instead of continuing to be collected upon.
Product: Money transfer, virtual currency, or money service

I have recently been concerned with suspicious email from the XXXX Crypto.com company. They have been sending emails regarding suspicious activity on my crypto visa card I asked them to shutdown multiple times. I believe they are on the downward spiral path of XXXX XXXX and their founder XXXX XXXX. Most likely attempting to siphon funds from my empty visa card. Please shutdown my account effective immediately as per request last year XXXX and year prior XXXX. Send check for any remaining amount to address listed.
Product: Mortgage

We have been trying requested needed documents to do an Assumption of mortgage on our loan to transfer it to my mother. I have called shell point mortgage back in XX/XX/2018, then I have called them every moth since, sent multiple emails and I still dont have an assumption package. Shell point is now XXXX, the problem is still the same. no one can help me when i call, I requested multiple times to speak with supervisors and managers and they are always busy. Please help me get my mortgage transferred to my mom as an assumption. 
I dont know how else to obtain the needed paperwork,
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, and questionable items that your agency didn't make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 16811e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 percent accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 percent accurate under 15 U.S.C 5 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports You are in violation of the FCRA and can result in legal action if this is not removed.
Product: Mortgage

I attempted to do a streamline refi with Homebridge Financial XXXX XXXX XXXX. They contacted me with the refi. I told them I am filing a Chapter XXXX bankruptcy. Can this still be done, " I asked ''? The loan officer said sure no problem. I also disclosed right away to the loan officer about our loan modification that has been closed and recorded and gave him copy of that too. Our modification lowered rate from XXXX to XXXX and they took a balance off of XXXX estimate. I lost my job XXXX XXXX and Illinois would not extend my unemployment past XXXX XXXX. Well filed BK in XXXX XXXX new loan approved with the Judge XXXX XXXX XXXX. I made first payment in XXXX XXXX on new loan. Anyhow with everything the old loan with homebridge not paid off they said they want interest of XXXX from XXXX thru XXXX XXXX XXXX. They gave me a lender credit of XXXX. I already paid closing costs XXXX for escrows etc. They froze the new loan after I made first payment. 
XXXX and XXXX XXXX XXXX cell XXXX email XXXXXXXXXXXX XXXX XXXX XXXX XXXX Il XXXX ... Purchased XXXX/XXXX/XXXX XXXX FHA case # XXXX shows closed XXXX/XXXX/XXXX old XXXX number XXXX Fha new case number XXXX shows only XXXX opened. new loan number XXXX. We are making payments with the collections department of Homebridge since this closing is all messed up. They did not clear the check for XXXX XXXX payment yet??? We will make XXXX XXXX this Friday. Not sure what to do our Bankruptcy attorney is trying to fix but they wont talk to her for over a week now. What is our legal rights on this? I have asked since XXXX XXXX for an explanation since I found out with Homebridge and XXXX XXXX, Homebridge said we will only speak with your attorney. My attorney was requesting the reason either a hud or a breakdown of why they are asking for final amount from me is XXXX. I already paid XXXX in closing costs on XXXX XXXX XXXX. This does not seem to be correct. I asked if they are recalling the modification. The pay off request for XXXX through interest of 4.375 on a loan amount XXXX through XXXX XXXX XXXX. They shaded out the Fha case number as well as loan number. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have demanded that these agencies remove these accounts from my credit profile. That I did not give permission to be there.
Product: Debt collection

I have had it with credit corps solutions, yesterday from XXXX to XXXX they called me. All day. My phone nearly died while i was at work all evening due to how frequently they were calling. All varying versions of the same number. I can't do it anymore this company is so beyond disrespectful.
Product: Debt collection

I AM A FEDERALLY PROTECTED CONSUMER AND I AM PROTECTED UNDER THE FDCPA, XXXX LEECH XXXX XXXX. XXXX XXXX ACCT XXXX XXXX what gives you the right to collect on this alleged debt? FEDERAL LAW states I have to give you direct consent which I never did. The first communication with you was with you furnishing this alleged damaging information on my consumer report this is FDCPA VIOLATION. WHERE IS THE PROOF OF BILL ASSIGNMENT? WHERE IS THE CHAIN OF TITLE? ARE YOU LICENSED AND BONDED TO COLLECT IN MY STATE? THE FEDERAL TRADE COMMISION ( FTC ) STATES I HAVE RIGHTS AND TAKES DEBT PARKING SERIOUS. YOU HAVE NO AUTHORITY TO FURNISH ON MY CONSUMER REPORT. YOU ARE VIOLATING MY PRIVACY UNDER THE XXXX XXXX XXXX YOU DO NOT HAVE ANY RIGHT TO MY NONPUBLIC PERSONAL INFORMATION. DELETE THIS ALLEDGED DEBT IMMEDIATELY FROM MY CONSUMER REPORT.
Product: Debt collection

In  XX/XX/XXXX    we notified  XXXX   XXXX   XXXX  in  XXXX ,  XXXX  that we were moving and they scheduled to pick up their trash can. We moved to   XXXX   XXXX   and  XXXX  failed to pick up the trash container.  XXXX  then billed us for the container {$70.00}. We contacted  XXXX  and they filed a lost/stolen container report and assured us they would not collect any further. A couple months later, we received another bill for {$70.00}. We contacted  XXXX  and they filed another lost/stolen container report. They then turned the account over to Collections. The  Collection Service will not cancel the debt as they claim it is valid. The Collection Company is Coast To Coast Financial
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I remitted notice to the following companies sharing information with consumer reporting agencies in collusion to furnishing unlawful consumer reports in clear violation of 15 USC 1681a the following message : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Promptly remove all transactions and experiences between me and your institution from all reports delivered to third parties. Effective immediately and indefinitely.
Product: Debt collection

XX/XX/XXXX - XXXX XXXX XXXX fraudulently reports a collection account in the amount of {$340.00} to the credit bureaus on my credit report ; disputed. 
XX/XX/XXXX XXXX XXXX XXXX is disputed a second time ; 2nd request for the demanded removal of the false report from my credit report. 
XX/XX/XXXX another collection similar to the last two, of {$340.00}, was placed on my credit report by a new company, NATIONWIDE RECOVERY SYSTEMS ; dispute filed; same complaint in the reporting practices ; lacking foundation and proper warning notifications to alert the party of such an existence to this debt, such potential resolutions, or such desire to dispute prior to reporting. 

No attempts to reach or inform the party prior to reporting to the credit bureau had been attempted, by neither company ; this is in direct violation of THE FAIR CREDIT REPORTING ACT, in conjunction with THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT ; whereas both debt collection companies involved are in violation and are hereby being reported for operating fraudulent business, and lacking proper adherence to all federal or state laws in which they are required to operate under. 

The next subsequent motion is to issue a demand for discovery to audit both companies, which will uncover truths to these acquisitions ; which will lead to the suspension of the company to operate any further business. 

Prior to requesting an audit of the two debt collection companies involved in the infraction of conducting business fraud ; we will seek an order to resolve this matter, outlined below : Both companies ; XXXX XXXX XXXX and NATIONWIDE RECOVERY SYSTEMS, are practicing unjustly under false and unethical pretenses ; providing immediately that this illegal and inaccurate collections report be promptly removed from my credit report to avoid imminent escalation.
Product: Debt collection

Over the past 6 months or more, I received on some occasions almost daily calls, sometimes even multiple times a day. They are all from different numbers and none of them leave a message. At one point my mother was called and when she answered the phone they asked for me by name. I am in no way connected to my mother 's phone number and her name is not connected in any way to any debt I owe. After this I called the number she sent me and was not told who they were until I provided personal information. I asked if I could check them out before I gave any personal information and how they gained my mothers contact information. They refused to give me an answer. I eventually XXXX the number and found out that the company was portfolio recovery and there were many others who complained about similar tactics being used. They continue to call using different phone numbers and never leave a message identifying themselves.