23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XX/XX/2016 I was the victim of a phone hack ( which i didnt realize until about a month later ). Funds from my XXXX account were transferred to my Simple Bank account and then transferred to someone in XXXX using my XXXX app. there were XXXX transactions - XXXX for XXXX and XXXX for XXXX. There was XXXX additional transfer for XXXX from my XXXX card that was researched once i filed the dispute and found to be fraud and was reversed. I have been asking Simple to refund the fraud charges and they have said because they fall into a natural occurance, because one other time i used the XXXX app to pay a friend, they are not showing that it is fraud. I do not know anyone in XXXX. I have no cause to send them XXXX.
Product: Checking or savings account

Hi - Opened a TDbank checking and savings account in XX/XX/2020 using a referral link that advertised {$300.00} and {$200.00} bonuses for meeting direct deposit and saving thresholds. Met terms of the account and bonuses were not paid. TDbank stated that referral link was targeted and thus they would not pay bonuses. I received no message when opening my account that I was not eligible. In fact, I received email receipt that my accounts were opened successfully. I would have no issue if I was told that I wasn't targeted, but I left my funds in their account for almost 6 months. When contacted, it took over a month to get a response from the company that says they offer " legendary '' customer service. I am not optimistic that this will end successfully, but I hope that enough customers file complaints so that TDbank changes the way they honor their promotions.
Product: Credit reporting or other personal consumer reports

I DISPUTED THIS ACCOUNT ON XX/XX/23 which was verified as mines. Then a asked for a method of verification and have not gotten a response please delete account. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX  -- 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. PLEASE DELETE ASAP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX, has violated my rights, XXXX XXXX  XXXX # XXXX, has violated my rights, DEPT OF EDUCATIONXXXX XXXX XXXX, has violated my rights, XXXX 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
Product: Debt collection

This debt is not mine and I received a letter from what I think is a legitimate debt collection agency. 

The company that sent the debt to collections is not a real company and the debt is not real. 

If you look on XXXX  reviews, over XXXX people have submitted reviews that this is fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This " company '' is fraudulently attempting to scam people by telling them they owe a debt that they do not owe. 
I have never heard of this company, it's not on my credit report ( yet ) and I do not have a previous bill from them. I checked online and they claim to run diagnostic imaging. I have not had any diagnostic imaging in over 2 years and my insurance company has not received a claim. 

They claim this debt is from less than 30 days ago and according to the letter to me the service was rendered XXXX days before it was sent to collections.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The accounts are - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive reached out to the companies & havent received any feedback
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I took out a loan with a company named enable loans. I was approved for {$250.00} with 10 weekly payments of {$51.00} My first due date was XX/XX/XXXX. My payment was made. I reached out to find out if I needed to defer future payments in case of any hardships or if I come across any difficulties And I got a response saying oh were unable to cancel your payment. Its processing and I said Im talking about future payments. Im not talking about the one that came out today so the agent responded back saying that they need supporting documents. I asked how thats done. I did not get a response. I sent another email Friday night explaining that I did not get an answer to my email and then the agent another agent on Friday said that, that email that they did respond and I said OK what is the process for deferring the payments like what documentation I did not get an answer I reached out on Monday. I still didnt get an answer so I called customer service and an agent answer the phone and told me that in order to defer a payment that they need a letter from my employer, stating why I am unable to make my payment And I and that they need a bank statement. XXXX asking for sensitive information that Im not comfortable with all other loans Ive taken out with other lenders have never asked me for documentation when I needed to skip a payment. This is a very shady company that takes advantage of the vulnerable and prays on people that are struggling. So I basically told the agent Ive never heard of that before and I hung up. I have nine weekly payments remaining and Im just going to continue to make those payments until its paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

In pursuant to 15 USC 1666b ( a ) : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I also do not get a monthly statement mailed to me as outlined in 15 USC 1637 ( b ), therefore the following accounts shall not report as late on my report according to the US constitution. 

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
Product: Checking or savings account

I received a Coinbase Debit card in the mail on XX/XX/2022 but I don't have a Coinbase account. 

The debit card was sent to my home address and is in my name. 

I am unable to speak/chat with anyone at Coinbase as I don't have the email address or password for the Coinbase account created in my name. They do not have a way to recover an account using the owner 's social security number. 

Coinbase website states it requires identity verification before issuing a debit card but there is no way for me to use that information to gain access to this account created in my name.
Product: Mortgage

Nationstar Mortgage is currently servicing the note for my Pay Option ARM loan. It was originated by XXXX in XXXX, sold to XXXX XXXX XXXX, then sold to Nationstar. My complaint is this company is knowlegable that they are sending inaccurate loan statements for this loan and is doing nothing to resolve the problem. 
Last year I began receiving inaccurate loan statements beginning with the XXXX XXXX, XXXX statement which coincides with an annual loan interest rate review and loan amount recalculation. Specifically, the printed loan payment amounts of Options XXXX,XXXX,XXXX were the same amount with different consequences. I initiated a payment amount correction inquiry with the Research Reference number XXXX which resolved the XXXX loan statement error within 30 days. 
A few weeks ago I received an inaccurate loan statement for the XXXX XXXX, XXXX statement with the same issue. After spending several hours on the phone with customer service reps who were not able to provide accurate information or were unknowledgeable about the existence of a special loan services department within Nationstar mortgage, and asking them to correct the loan statement problem in their computer system and not having a remedy, I feel the need to file a complaint to the federal government regarding this company 's unwillingness to correct the problem of sending out inaccurate loan statements for this pay option ARM loan. 
After several hours of inquiry, I was informed that XXXX in Special Loans, extension XXXX was the key person that handles these loans.
Product: Debt collection

Today, Wednesday XXXX XXXX, XXXX XXXX of General Revenue harassed XXXX different family members, my former employer and my spouse 's ex husband. He called telling them " I owed them money and that he had to have my contact info immediately '' after which they all told him the would n't give out my number he said to XXXX of them that " I was in major trouble and that they would be helping him bring me to justice. '' He not only gave them information stating I owed them money but he also told inserted that I was in legal trouble. That is slander. I ask that you have them cease contact with anyone other than me immediately as my attorney is now looking to sue them for corrupt business acts.
Product: Credit card

Consistently, I've made sure payments on this account are prompt, avoiding any overdue status. I'm uncertain about the reasons for the late payment remarks on my accounts. As per XXXX XXXX XXXX - Billing Error, corrections should be made.
Product: Debt collection

I had a debt with XXXX XXXX XXXX XXXX, which I was making payments on. I had paid almost half of the amount, and then discovered via my credit score that a debt had been sold to collections. I received a statement from Accelerated Receivables in XXXX Nebraska. I do not recall the total amount of the debt, but I have bank records to show that I remitted a {$250.00} payment on XX/XX/XXXX of 2019. I shredded the statement with some other bills that I had made payments on. Sometime in either late XXXX or early XXXX, I contacted Accelerated Receivables via their online email option. I requested either another statement, or possibly an email with my account information so I could continue to make payments, as I had shredded my account information. In this email, I advised that I have an unusual work schedule, working second shift at the local XXXX, and that phone calls usually went unanswered since most came during the hours I sleep. I did not screen shot or document the date of this email, I assumed it was a simple enough request and I would be given the needed info to continue paying my debt. The closest thing I received to contact from this company was a phone call on XX/XX/XXXX at XXXX, while I was sleeping. No voicemail was left. I never received a return email, nor did I receive a statement with my account information. I tried several ways to make a payment using their website, but every option I found required my account number, which I didn't have access to. 

Time passed, and I was served notice that I was being sued, while I was at work, getting  XXXX XXXX ready for a XXXX XXXX in the XXXX I was put in a situation where I had to put a XXXX XXXX XXXX XXXX XXXX to stop and find out I was being sued for 'refusal to pay ' a debt that I had attempted to pay. Funds are increasingly limited, and I can not afford a lawyer, so I was unable to do anything in response to this action. Now I'm getting letters about wage garnishment. I do not deny I owe the initial debt. I attempted to pay this debt. Accelerated Receivables was notified that I needed information to continue to remit payment, and refused to provide this information, making it impossible for me to make a payment on this debt. Had this information been provided, there would have been no reason for them to turn it over to the courts, and there would be no lawyers fees and court costs, which have increased the balance claimed to over {$800.00}.
Product: Credit reporting or other personal consumer reports

I've sent numerous requests to fix my information and they ignore me, the information is uploaded and they keep stalling, I want it fixed or I'm going to share that this is the reason cfpb is suing them, they don't care
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ), TransUnion LLC, provide I, XXXX XXXX, consumer, with such documentation where I gave you written instructions and permission to furnish my information? Thank you. Best regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, depos

ited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Credit card or prepaid card

I went to an ATM and withdrew {$400.00} plus the {$5.00} fee for using ATM on XX/XX/22 unfortunately the ATM did not dispense cash..never opened I immediately called the number on the Machine and they told me to contact my bank regarding receiving the funds back, they provided me with a reference # XXXX to help identity the transaction and sent an ATM tech to troubleshoot ATM. I have tried multiple times reaching out to Cash App support asking for Regluation E policy to be enacted yet no response or they reply with someone will get back to you. Its been a week tomorrow where is my money? Here is proof of escalation Ref # XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX Balance Owed : {$70000.00} DEPTEDXXXX XXXX  Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$71000.00} DEPTEDXXXX XXXX Balance Owed : {$11000.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Nelnet Subject : Dispute Regarding Student Loan Account Dear Sir/Madam, I am writing to express my deep concern and frustration regarding the student loan account serviced by Nelnet. I have serious doubts regarding the validity of Nelnet 's ownership of these loans and the proper application of my payments. I am requesting that you provide me with the necessary documentation to validate your ownership of these loans as well as the promissory notes for the loans in question. 

First and foremost, it has come to my attention that Nelnet is not the original creditor for these loans. As such, I am entitled to receive proof of your purchase of these loans, including any assignments or transfer documents. Without proper verification, I can not be certain that Nelnet has the legal authority to collect payments from me. 

Furthermore, I have not received any agreement or communication between the parties involved, which raises significant concerns about the transparency and fairness of the loan servicing process. It is crucial for both parties to have a clear understanding of the terms and conditions of the loan agreement. Without a valid agreement, it is difficult for me to ensure that my payments are being applied correctly and in accordance with my intentions. 

I would like to remind you that my rights as a consumer are protected under various consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These laws require lenders and loan servicers to provide accurate and verifiable information, as well as to address consumer disputes promptly and in good faith. 

In light of the above concerns, I kindly request that Nelnet promptly provide me with the following : 1. Proof of ownership of the loans, including any assignments or transfer documents.

2. Copies of the promissory notes for the loans in question.

3. Any agreements or communications between the parties involved, including a copy of the loan agreement if one exists. 

I believe that by providing the requested documentation, we can resolve any misunderstandings and ensure that my payments are applied properly. I am more than willing to fulfill my financial obligations if it can be established that the loans are legitimate and that Nelnet has the legal authority to collect payments. 

Failure to provide the requested information within [ 30 days ] from the date of this letter will be considered a violation of my rights under the FCRA, FDCPA, and other applicable consumer protection laws. In such an event, I will have no choice but to escalate this matter to the appropriate regulatory authorities and seek legal remedies. 

I trust that you will treat this matter with the urgency and seriousness it deserves. I look forward to receiving the requested documentation within the specified time frame. Should you have any questions or require further information, please do not hesitate to contact me at the provided email address or phone number. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

DEBT VALIDATION LETTER XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX This letter is being sent to you regarding accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is not a request for verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt.

2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired : 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state : and 7. Your license numbers and Registered Agent.

8. Copy of original contract 9. Copy of payment history 10. Name and address of original creditor 11. Proof of debt assignment At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, Experian, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that 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, Violation of the Fair Debt Collection Practices Act, and Defamation of Character If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempta to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees i am forced to bring this matter before a judge.

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plans as late for any purpose Sincerely, XXXX XXXX
Product: Debt collection

someone has used my personal information to open up this account that is not mine ... my information has been stolen and this was opened fraudulently i have filed a report with the police department regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of XXXX XXXX Account XXXX thats being reported on my most recent credit report. Upon challenging this, XXXXn updated the payment history to current with no late payment history based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Equifax, they have verified this same account. Its my understanding that the creditor reports the same information to all credit bureaus as expected by FCRA. If the information is true, Im requesting the information Equifax used to verify this account payment history in writing. If such documents can not be produced please notify Equifax to update this account on my credit report immediately. Equifax failure to validate the account violates my rights as a consumer. How is it that XXXX doesnt reflects a late payment. XXXX reflects late payment for XX/XX/XXXX and Equifax reflect late payment for XX/XX/XXXX. If the information was validated all credit bureaus would reflect the same information. Im requesting legal action to remove information from my account immediately
Product: Checking or savings account

Wise financial institution decided to close my bank account with them. I filled out refund form and submitted it with my full refund to bank account information, my home address ( mailing address ) and a phone number. It has been more than XXXX weeks and I havent received any refund or a any sort of communication from them