23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

It would not allow me to transfer funds into my bank account
Product: Credit card

Submitted a request to both XXXX and Equifax advising that XXXX XXXX or XXXX XXXX XXXX XXXX account was fraudulently opened, I have tried going to the credit bureaus and has been unsuccessful as they have been saying it has been " verified as accurate ''. Since then, I've reported the account to the FTC. FTC report # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) 281 SW 715.719.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS 4ld PURSUANT TO 18 USC 8, L OWE NO DEBT ; THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}
Product: Mortgage

SETERUS GROUP IS GUILTY OF LOAN FRAUD, LOAN SERVICE FRAUD, LOAN MODIFICATION FRAUD AND ILLEGALLY CLAIMING TO BE THE FEDERAL GOVERNMENT. THEY ARE ACTIVELY ENGAGED IN DECEPTION AND THEY ACTIVELY WITHOLD INFORMATION FROM CUSTOMERS. 

WE HAVE HAD A MORTGAGE NIGHTMARE DEALING WITH THIS XXXX MORTGAGE FRAUD THAT THEY ASSUMED. 

CUSTOMER SERVICE HAS BEEN XXXX. EVERY EMPLOYEE FROM THE SUPERVISOR DOWN LIES TO THE CLIENTS ABOUT WHO OWNS THE MORTGAGE. 

THIS " : WE ARE FANNIE MAE '' SCRIPT IS COMMON IN THE MORTGAGE INDUSTRY. 

THEY ARE ALSO ENGAGED IN LOAN MODIFICATION FRAUD, PRETENDING TO HELP WHILE INTENTIONALLY BEING UNRESPONSIVE.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

While I was reviewing my credit reports ( equifax ) came across soft inquiries. Now I don't care if it is a promotion or not I never authorized anyone to check my credit history or credit score. This should be illegal for it seems to me that is ID theft, or at least leading to do something illegal. 
XX/XX/202XXXX XXXX Promotional Inquiry XX/XX/2021 XXXX  Promotional Inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received an alert from Experian about an account being reported by XXXX. Please be advised I have requested validation { not verification } of an item reported to Experian by XXXX. I have received a response through CFPB that clearly violates my rights according to the HIPAA Act of 1996. 

I have filed a HIPPA violation with the Florida Department of Health for XXXX XXXX XXXX XXXX. And XXXX did NOT provide me a HIPPA release for my medical information to be sent to them, therefore by XXXX XXXX providing such information they are in VIOLATION of my HIPPA rights. 

I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. XXXX is in direct violation of HIPPA regulations, and they are facing fines up to {$1000.00}, even possible jail time. XXXX   IS NOT LICENSED TO COLLECT ANY DEBT IN FLORIDA. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Product: Mortgage

On XX/XX/XXXX I took out a mortgage with XXXX XXXX and the loan was sold to NewRez aka Shellpoint Mortgage Servicing. I made my first payment to Newrez XX/XX/XXXX. In XXXX I received the attached letter pertaining to my escrow account ( see attached ). 
My complaint : XXXX did not require a " cushion '' per my signed mortgage agreement NewRez does require a " cushion '' ( a very big one ). Since Newrez purchased the loan from XXXX how can Newrez require me to pay them a " cushion '' when it is not in the loan agreement I signed and they purchased from XXXX? I have no signed agreement with Newrez so don't they have to comply with what the XXXX loan states?
Product: Checking or savings account

Citibank they close my account in our keeping my money they said it would take 2 to 3 months for me to get my refund
Product: Credit reporting, credit repair services, or other personal consumer reports

In my efforts to receive relief from unfair debt collections practices, I have decided to continue to file complaints to all that are supposed to assist in regulating and policing individuals who attempt to take advantage of consumers. XXXX has received several disputes from me about a debt collection company that is listed under US DEPARTMENT OF EDU. I have reached out to the company several times, even having mail returned from the listed address of XXXX XXXX XXXX XXXX XXXX, IL XXXX. I have called their number which is for XXXX XXXX, XXXX. I need to find out the method XXXX is using to validate this alleged debt. A XXXX search to this address reflects a company by the name of ACS, Affiliated Computer Services who was bought by Conduent. I reached out to XXXX XXXX, who is the legal support for Conduent, and he had no answers for me, using my personal data to locate an account. I have spoken with the Department of Education Ombudsman in XX/XX/2021, and they couldn't help, I have looked on the FSA website. I was unsuccessful in finding out who the debt collector listed is, my question is, '' XXXX who are you validating the debt with? '' There is no way you could be responsibly validating this alleged debt. The information listed is incorrect and inaccurate. The account shows the highest balance is XXXX. Payment status is " No Info '' and shows as a " paid collection ''. I am demanding validation. I am demanding to receive the contact information from this debt collector, and Proof of Claim to ensure there is no debt parking on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent transunion consumer solutions 29 pages explaining how XXXX XXXX XXXX XXXX refuse to remove the negative information/ inaccurate information i have been told week after week that they did not receive my information i paid for the letter to be sent and signed for on XX/XX/2021 but they continue to tell me that they have not recieved my information .i am sending u the information that i paid to have sent and to be signed for and the information from the postal service where i paid and the person that signed for my letter was the person that picks up transunion mail XXXX was also told by transunion that they dont care how much information i send that if XXXX XXXX XXXX XXXX dont remove the inaccurate information that they will not remove it so i am asking that cfpb please reopen my case aganist transunion and XXXX XXXX XXXX XXXX because both companies are lying and i have proof
Product: Debt collection

On XXXX XXXX, I contact AR Resources ( Address : XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX ) to request documentation regarding two charges they posted to XXXX, XXXX, and XXXX. I did, however, provide the XXXX account numbers appearing my credit report, and the agent stopped me after the XXXX digit and confirmed the account numbers are not real. I responded, then why is AR Resources provided fake account numbers to the credit bureaus, me, and everyone else with access to my credit file, and I was informed that they would not discuss the matter with me unless divulge my full social security number. The rep told me they already have it anyway because that is how they were able to post the accounts to the credit bureaus, and I told him, I do not think it is proper for me discuss anything without ( a ) an explanation in hand on what I am being charged for and why, ( b ) and that I personally aware of how things can be reported with inaccurate socials, DOB, and names. I also informed them that the debt was covered under a Letter of Protection accepted by the original creditor, and I am in constant communication with my attorney who has not informed me that my case is closed, or of his unwillingness to continue representing me. Additionally, health insurance was provided at my initial visit to the actual creditor : XXXX XXXX XXXX XXXX XXXX ( XXXX ). Neither XXXX, or AR Resources attempted to contact me regarding the debt, though my address and phone numbers are in my credit file, and the date of service was actually in XXXX, but they are falsely indicating that the account open date is XX/XX/XXXX. Furthermore, my attorney XXXX XXXX, has informed me that XXXX has hired debt collectors to go after a number of his active clients and he has personally reached out to them and asked that they cease debt collections, as per the letter of protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX reported to XXXX about my credit card account that I have with them. However the information they posted was inaccurate for a multiple of reasons. 
1. They reported a balance increase from {$370.00} to $ XXXX XXXX my balance has decreased but that information was not captured due to reason # 2 2. They had not reported since XX/XX/2022. {$370.00} was the balance on my account in XX/XX/XXXX. Since XXXX my account limit had been increased. So, the total account limit was incorrect, it showed a {$800.00} limit meaning that they reported that I was using 145 % of my cards account limit. The limit of my card on XX/XX/XXXX was {$1400.00}. 

I filed a dispute with XXXX on XXXX on XXXX the dispute was settled and my transuion report was updated on XXXX to reflect more accurate information. 

Also on XXXX this same company reported to Equifax. They reported the same inaccurate information that they just had updated with XXXX. This caused my Equifax score to take a deep dive of XXXX points.
Product: Student loan

I am trying to participate in the temporary XXXX XXXX loan forgiveness program which has an open period called a waiver set to expire XX/XX/XXXX. I approached the original loan company regarding this same issue and filed a complaint with CFPB. The loan company transferred my account to Mohela without addressing the issue I have raised. I qualify for an additional 6 months of credit due to work I did in XXXX - XXXX for the XXXX XXXX  of XXXX XXXX. I was only credited for 6 months of work when I worked for 1 year ( commuting XXXX miles a week ). I would like the other 6 months of credit to be reflected toward my public service loan forgiveness program.
Product: Mortgage

My Dad got a VA loan XXXX XXXX XXXX XXXX, for XXXX XXXX XXXX XXXX in XXXX, NM XXXX. My Dad died and my Mom died. My Mom did a Transfer on Death Deed leaving me the house. I live in the home and have paid the mortgage and all bills related to my parents death. I went to make a payment over the phone and they wouldn't accept the payment. They told me the house was in foreclosure. I contacted the VA today and will send a copy of the deed to them. The servicer has hired an attorney and referred the case to court (NM is judicial foreclosure). I have asked the attorney for a forbearance plan, or a repayment plan. Because my name is on the loan, the servicer has not given me any attempts at loss mitigation. Nor have they given me a  notice of acceleration on the loan. My parents have been deceased for some time now and I have repeatedly sent in all the necessary documents. I have income and the ability to make the payments. I would appreciate your assistance in resolving this issue.Thank you,XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are several errors on my Equifax and XXXX credit reports. on my Equifax XXXX ) XXXX XXXX acct # XXXX, XXXX ) XXXX XXXXXXXX XXXX  XXXX acct XXXX XXXX * XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXXXXXX ( Bank ) XXXX XXXX ) XXXX XXXX ( Bank ) XXXX XXXX
Product: Mortgage

I been in my home for almost 21 years my loan has been sols without my permission 7or 8 times.Every time its sold or transfered always they add more that my loan & house is worth up to XXXX $ sometimes.Ive been struggling since my job has gotten slow .They Value my home at XXXX $ i find this hard to belive it a XX/XX/XXXX doublewide.XX/XX/XXXX i had to file chapter XXXX which i paid XXXX $ on this loan over a 5 year period.Like i get no credit for that. I need help on getting my loan back on track.I dont know what to do & i do wont to keep my home .Any assistance would be greatly appreciated Thank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX - DOB : XX/XX/XXXX - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX My current and only address is : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX  XXXX XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX, 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: Student loan

At this time, I have paid Navient approximately {$16000.00} from XX/XX/XXXX through the current date. I'm in good standing. My original loan was issued for {$13000.00} on XX/XX/XXXX. As XX/XX/XXXX, I still owe {$13000.00}. This company takes advantage of young adults who want to go to school, the interest rates spike so high that most payments only go towards interest. I have already paid back the original loan amount and then some. To still owe almost the same amount of money to this company as I originally borrowed 14 years ago, with long standing payments is asinine. There is a recorded call ( Navient ownership ) from XX/XX/XXXX discussing this issue. Thank you for your time reviewing this, and please let me know if I can provide any additional documentation.
Product: Credit card

This complaints involves an offer to receive XXXX Delta reward points if I applied for the American Express credit card and spent {$1000.00} in 3 months. 

XX/XX/XXXX I applied for this promotion. The offer was if I spent {$1000.00} within 3 months, I would receive XXXX on my sky miles account. On XX/XX/XXXX, I was going to plan a trip using the XXXX sky miles that I expected to be available on my account. When I looked, the promotional offer was not applied to my account. I contacted American Express this morning and spent 33 minutes with a gentleman, who began to look into this matter. After 33 minutes of holding and not hearing anything more I hung up. I called right back and got a lady who gave me a complaint number of XXXX. She indicated that my inquiry would take 6-8 weeks to investigate. 

Please look into this for me. Since I met the requirements, It seems that the sky miles reward should have been applied in a timely manner as advertised. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to freeze credit with Equifax both on-line and via phone, but they refused to freeze credit. On-line system refused to place freeze ( " can't complete request '' ) and said I had to call them @ XXXX ( noon, XX/XX/XXXX ). Called them and wasted 20 minutes answering questions like " What bank did you open a credit card account with in XXXX? '' and " What bank did you have a mortgage with in XXXX? '' ( Answer multiple ... an answer not allowed ) .on their automatic response system Finally got an agent, who wasted another 20 minutes asking for the same info that was provided to their system during the same call, and then this XXXX wanted to know " What was your mortgage payment with XXXX XXXX XXXX '' Refused to answer my questions ( " Which of the XXXX or so XXXX XXXX mortgages are we talking about? '' or " How can you expect someone to remember what their mortgage payment was XXXX years ago? '' - we refinanced every XXXX months as interest rates were coming down in the XXXX and XXXX, XXXX XXXX was about every other one ). Agent refused to ask a question from this decade or to provide a supervisor when requested. An hour wasted trying to freeze credit from a company that willingly provides all their customers data to anyone willing to spend 5 minutes hacking their system.
Product: Credit reporting

I have credit inquiries on my Equifax report that were previously removed from my XXXX report and now have appeared on my Equifax again that I did not authorize. I would like them to be removed permanently as soon as possible to reflect the same.
Product: Credit card or prepaid card

I just discovered that I have been charged a debt protection fee, of at least {$30.00}, monthly, on a Best Buy store credit card, since 2010. I never knowingly authorized such protection as I had no need for such protection. By my math, I have likely been charged somewhere between {$3200.00} and {$3300.00}, not including interest charges on that monthly fee. This explains why my Best Buy balance has remained around {$300000.00} despite making monthly payments. I use an auto payment system and do not regularly monitor the balance. I have not made a purchase, using that card, in at least two years. To me, this is just straight up fraud. I contacted Best Buy and cancelled further fees, but I contend I should be fully refunded these fraudulent charges. I attached the most recent statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Merchant ( XXXX XXXX Credit Card account, issued by TD Bank NA, in XX/XX/XXXX for {$3200.00}. Agreed minimum monthly installment payment was {$94.00}, to be paid off by XX/XX/XXXX. 
I was determined to pay it off much sooner, so I started paying larger installment amounts. All my payments were made through my XXXX XXXX XXXX, Money Market Account by Electronic ACH Web Payment : XX/XX/XXXX : ACH Electronic debit TD Bank NA, Web Payment XXXX = {$250.00} XX/XX/XXXX : ACH Electronic debit TD Bank NA XXXX Web Payment XXXX = {$350.00} XX/XX/XXXX : ACH Electronic debit TD Bank NA , Web Payment XXXX = {$400.00} XX/XX/XXXX ACH Electronic Debit TD Bank NA XXXX XXXX XXXX = {$480.00} XX/XX/XXXX - XX/XX/XXXX : Total amount paid to TD NA Bank XXXX {$1400.00}. These amounts were not reported on the statements. 

On XX/XX/XXXX Statement, they finally recorded my 5th installment of {$150.00}. What did they do with my four earlier instalments, totaling {$1400.00}? 

I just went on the web site of their subsidiary company ( XXXX ), who services the credit payments. I tried to pull my statements. To My greatest shock, none of my four ( 4 ) payments were reported on all 4 statements. Each statement was BLANK, with the notation " NO TRANSACTIONS FOR THE SELETED MONTH '' TD Bank NA, is running a very fraudulent system. If a little mom-and-pop shop tried such scheme, they would be rotting in jail by now. I hope to XXXX that, CFPB will take a serious look at this. I have copies of the 4 blank monthly statements, should you need them, to support my case. 

Thank you very : XXXX XXXX
Product: Payday loan

XXXX XXXX president XXXX XXXX, and manager XXXX XXXX, have been ongoing threats and selling my private info from these debt collector agencies, stealing identity and started services in my name. Coercing & extortion of government funds after filings of XXXX, then selling info out to criminals. Ongoing harassment some of XXXX nature threw internet & out in front of my rental places. After XXXX move to rental units next door to me, threats & XXXX harassment begains, inflicting moving cost on me time n time again. Lying to court judges & stealing money orders n checks made out to me cashing them.
Product: Credit card or prepaid card

Wells Fargo is not applying credit card payments to the highest rate balance. Even after the minimum payment is covered for the lowest interest rate balance, they are first paying off 0 % interest rate balance transfer offers first and leaving higher rate purchases and cash advance balance to be paid off last. This leads to making it nearly impossible to pay off any purchases or cash advances until the promotional balance transfer offer is paid off, thereby locking the consumer into paying interest if they use the card after the balance transfer offer.