23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I want a complete accounting of a 2004 mortgage that isnt counting 1 ) XXXX paid to XXXX. I owed XXXX to XXXX.XXXX  an {$8200.00} line of credit. 2 ) PAYMENTS we have made $ XXXX to this loan. 
XXXX mortgages. 
{$440000.00} XXXX escrow This is XXXX interest.over 16 years although We have reported {$130000.00} interest. 
Where is the other {$240000.00}?
Product: Student loan

In early  XXXX     2017 I contacted Fedloan Servicing through their message center requesting a DETAILED report of which payments they deemed as " qualifying '' for the Public Service Loan Forgiveness program including which dates and months that were not deemed qualifying and why. I was told they would  need 90 days to produce a detailed report ( not just a total number of qualifying payments, which is all they had provided ). I asked for this report because my calculation of qualifying payments was significantly off of the 79 months number they provided. I have contacted them several times through their website and by phone regarding this request not being fulfilled since  XXXX . Most recently  XXXX   XXXX ,  2017 I was t old a supervisor would be looking into why it has taken 5 months to produce this report. I still do not have a report. This is unacceptable as I am paying this servicer to service this loan, yet they are not providing a basic service of showing how they came to a number that is in my opinion incorrect.
Product: Money transfer, virtual currency, or money service

XXXX, On XX/XX/XXXX i transfared XXXX XXXX XXXX  ( XXXX ) XXXX from my XXXX XXXX XXXX hardware wallet to my Coinbase account. 

I received a transaction conformation ( attachment # 01 ). 

My XXXX XXXX XXXX XXXX are gone of my XXXX  XXXX  XXXX but never received this Funds on my coinbase account ( attachment # 02 ). 

I opened a case with conbase customer suport on XX/XX/XXXX ( Case # XXXX XXXX Unfortunately i just get automated emails saying please be patience ( attachment # XXXX ). 

Thank you very much for your help,
Product: Credit reporting or other personal consumer reports

I have tried for years to get my credit report or to be more exact, my full file disclosure per 15 USC 1681g via annualcreditreport.com and it never works. I have tried calling XXXX, TransUnion, and XXXX directly on a multitude of occasions and the agents have been unable to help me. Moreover, the agents ( and presumably their supervisors ) have been completely ineffective despite my requests to escalate the issue.
Product: Mortgage

Mortgage was taken over by NewRez in XX/XX/XXXX. I have no escrow account as I pay my taxes and insurance myself. 
In XX/XX/XXXX, I switched insurance companies. NewRez asked for the new policy info. It was provided to them by the insurance agent but they showed no record so we resubmitted it in XXXX and they acknowledged receipt. 
In XX/XX/XXXX, I received correspondence stating that they are creating an escrow account for lender-placed insurance due to their records showing no insurance. I figured they were behind in updating their records so I waited another couple of months. I received another notice in XXXX and decided to send them an email on XX/XX/XXXX asking them to re-check their records because the policy info had already been submitted twice. 
In XX/XX/XXXX, I started receiving letters stating my mortgage payments were past due. I have my payments set up via billpay for the bank to automatically pay every month. I double checked my account and saw the payments were still going out on time as scheduled. I called NewRez on XX/XX/XXXX and had the rep verify that payment was received. He confirmed it and also showed that I make my own insurance payments. I hung up feeling like I finally got resolution. 
In XX/XX/XXXX, I received a letter stating that we are behind on our mortgage payments and credit bureaus have been notified of my and my husband 's non-payments. Letter also mentioned they will begin foreclosure. Upon receipt of the letter, I emailed XXXX ( mortgage servicer ) asking for an explanation. I contacted the Consumer Federal Protection to  file a report. This requires NewRez to respond. In their response, they explained they did not have proof of insurance from XX/XX/XXXX - this was when they took over my mortgage from another company and should have received that info from the previous mortgage company. They also explained the reason my mortgage payments are not current is because they have been applying my payments to the lender placed policy ( which costs {$8300.00} per year ) they started for me. They asked that I send proof of insurance from XX/XX/XXXX to XXXX which I did immediately and also asked for confirmation that my records are updated. I received no response. 
In XX/XX/XXXX, I received a statement saying my loan is in default due to no payment. I called to find out about the insurance docs I sent and they explained that I should have sent docs to XXXX and that I should call back in a couple days for confirmation of receipt. I called back in a couple days and was told I need to wait for a letter. 
Clearly NewRez and the mortgage servicer Shellpoint Mortgage   are not in sync with their accounts or communications. I will be filing another complaint with the Consumer Federal Protection Bureau.
Product: Debt collection

My name is XXXX : XXXX, a federally protected consumer and the beneficiary of the Social Security XXXX XXXX XXXX XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. See the attached documents ( Affidavit ) as it contains my full complaint/demands. I am making this complaint against Professional Account Management LLC. for violating my federally protected consumer rights ( as mentioned in my Affidavit, which now constitutes civil liability per 15 U.S.C 1692k ) and committing identity theft ( 15 U.S.C 1681a ( q ) ( 3 ) ). I have never given Professional Account Management LLC. any permission/consent to use/obtain any of my personal information to commit mail fraud by contacting me about an alleged debt they claim I owe or to create an account without my knowledge ( Exhibit A, attached ), which is also an invasion of my individual privacy. On XX/XX/2022 I received a letter ( Exhibit A, attached ) from Professional Account Management LLC. which is mail fraud ( 18 U.S.C 1341 ) and contains violations as marked. On XX/XX/2022 I sent out documents to Professional Account Management LLC. ( see attached documents ) to verify the debt ( provide a true bill in commerce ), cease and desist and demanded to compensate me for the violations on Exhibit A. On XX/XX/2022 Professional Account Management LLC. received my documents ( green return slip signed attached ). On XX/XX/2022 Professional Account Management LLC. responded with a letter ( Exhibit B-1 ) which is not a proper response to an Affidavit and the documentation they provided to allegedly " validate the debt '' is insufficient. Professional Account Management LLC. has not provided sufficient documentary evidence that can prove that I have any legal/lawful obligation to pay them. I am demanding that Professional Account Management LLC. provide the original instrument of indebtedness or proof that the instrument still exists, and the contract that they have to collect on the alleged " debt ''.
Product: Credit reporting or other personal consumer reports

I have been a victim of a recent data breach, and I believe that this incident has compromised my personal information. I am concerned about fraudulent accounts and activities that may have been established in my name due to this breach. 
Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

Charge was made XX/XX/2022 ( think it was the XXXX ) went 2-3 months with company refusing to respond or communicate on given number filed a complaint and wrote a review in which they responded with threats and false claims of slander/defamation and said it was a technical issue withdrew complaint giving them benefit of situation then went two months with same issue never harassed or threatened and no response on the line they gave Sent all emails and texts with company can provide again
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts and insufficient funds fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

. I deposited a check at Huntington Bank on XX/XX/2023. A day later the check was rejected due to endorsement issue. I went back to the branch where I deposited, and they returned the check to me. 
. On XX/XX/2023 I took the same check to XXXX bank, deposited, and everything went smooth. I made a car payment. Two days later my XXXX account was overdrafted by XXXX XXXX XXXX bank told me my check was process by the 1st institution. I went back to Huntington they told me the check is on Hold due to endorsement issue, and that my wife has to sign and notarized an endorsement released form, and of course my wife did all of that, but the Huntington manager failed to submit the paperwork to Huntington hold department. Now I don't have the money deposited, and my XXXX account is overdrafted, and they are charging for overdraft fees. 
I want you please to step up and get me my right.
Product: Debt collection

Calls my house under a " spoofed '' number, hangs up, calls back and threatens to sue me If i do n't pay a debt that I do n't owe. Have told them to Cease and Desist all contact.
Product: Money transfer, virtual currency, or money service

Cash app h as closed my account forgot reason I had over XXXX in it
Product: Debt collection

XXXX XXXX # XXXX from Diversified Consultants, Inc ( XXXX XXXX XXXX, XXXX, MI XXXX ) acted very unethically, was extremely rude and a bully when I called to inquire about a debt that was found not owed ( S/W XXXX on XX/XX/18 ). XXXX overpowered the conversation and would not let me speak this was very unprofessional considering I didnt owe anything. 

I called back to make a complaint about XXXX and was told he was the Manager and he didnt report to anyone. 

No one should be bullied by a Collector. 

Can you please send this email to Diversified? 

Thank you
Product: Debt collection

They left a voicemail on my business line that said they were trying to collect a debt from me. When I called back to request they send me proof that I owed anything they said " we 're not going to send you anything ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft. I reported ID Theft to all 3 credit bureaus. I had accounts/inquiries on my credit report which was ID Theft. XXXX & XXXX removed those inquiries/accounts. However, EQUIFAX did not. The investigation did not result in anything but them not removing the account. I really need this account/inquiries to be removed since they are not mine. I spoke to them numerous amount of times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXXDispute XXXX XXXX  XXXXDispute XXXX  XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute all above are major violations XXXX XXXX didn't remove my public records
Product: Vehicle loan or lease

I would like proof that toyota financial services are the real party in interest the federal rules of civil procedure ( ''Fed.R.Evid. '' ) rule 17 ( a ) states that every action shall be prosecuted in the name of the real party in interest. The effect of this passage is that the action must be brought by the person who, according to the governing substantive law, is entitled to enforce the right. One for whose benefit a contract between other parties has been made is a real party in interest and may sue the obligated contracting party......... I am asking for proof of assignee and assignee of the assignment ... ... ... ... .also please provide an affidavit regarding the transfer of promissory note sufficed to permit the claimant to enforce a loan debt against the mKe of the note
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. by ( XXXX ) Account # XXXX ( XXXX XXXX XXXX XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX ( XXXX XXXX XXXX  ) Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

I have recently checked my report and found an account that did not belong, I submitted a dispute on this account with TransUnion on XX/XX/2024 and still have not received any response.
Product: Credit card or prepaid card

Hello TD Bank Credit Card : In response to your attached voicemail message, we do not accept your reasoning for why you are reversing our credit card dispute charge back that you previously ruled in our favor, because we think that you are confused. 

The reality is that XXXX XXXX XXXX XXXX was hired to remove our case for litigation to the United States Supreme Court. 

Due to their perceived negligence, recklessness, and willfulness, as well as perceived bad faithXXXXdiscrimination against us contained within our previously submitted exhibits/documents, we are now forced to litigate this matter in the lower biased corrupt New York Supreme Court because they submitted our Writ too late after causing it to be rejected 3 times. 

So while the case may be docketed finally in US Supreme Court, it does not matter because XXXX XXXX got their product in AFTER NYS Supreme Court XXXX XXXX XXXX ordered us to respond ( and accept NYS Supreme Court jurisdiction ) because XXXX XXXX ( supposed 20 plus years professionals ) got rejected XXXX times since XX/XX/2022. 

Now that TD has apparently reversed this charge in XXXX XXXX ' favor, we will be suing TD Bank as a co-defendant. 

Be guided accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home and I have a debt that is reporting on my credit report. The debt has a zero balance but the negative remark is hindering me from taking the next step. On XX/XX/2021, I wrote Equifax and XXXX about the concerns. I did not receive a response. On XX/XX/2021, I wrote XXXX XXXX ( the XXXX XXXX XXXX ), I also have not received response from them. On XX/XX/2021, I wrote Equifax and XXXX again. I still haven't received response. I need this debt removed from both bureaus immediately. I will attach proof of letters sent along with certified tracking numbers. 

Certified Letters : XXXX Equifax-XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX : number XXXX XXXX XXXX XXXX : number:XXXX
Product: Vehicle loan or lease

I was financed a XXXX XXXX 4 months ago and when i asked is anything wrong with the car i was told no. Later i came to find out that the car had frame damage and the problem became unrepairable. I was told by the shop that the dealership had to be aware of this if the car was correctly inspected.
Product: Checking or savings account

On XX/XX/2015 I attempted to open a XXXX savings account with some XXXX XXXX monies distributed, in only amounts of {$500.00} XXXX currency cheque distributed, but my funds were never received or cleared due to theft from the Branch Manager at the time. I was totally ignored and discriminated.and now I am unable to bank at any bank XXXX Oregon anywhere because of this dishonest and discriminating act on a XXXX XXXXXXXX XXXX! And how our monies get handled... please help with this. Nobody will assist or listen to my complaints for years, I'm absolutely furious.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting or other personal consumer reports

I request that the CFPB take the following actions on my behalf : 1. Investigate ARS 's Compliance with the FCRA : 1. urge the CFPB to investigate ARS 's failure to provide my consumer report within the required timeframe, as well as any patterns of non-compliance they may exhibit with other consumers.

2. Require ARS to Provide My Consumer Report or Remove All Associated Data : In light of ARS 's non-response, I request that ARS be mandated to remove or block any information they may have shared with credit bureaus about me, as they have failed to verify and provide this data for my review.

3. Allow Me to Opt-Out of Any Data Sharing by ARS : Given my concerns about the lack of transparency, l also request the right to opt-out of any future data-sharing practices by ARS, as allowed under the FCRA. 
4. Place a Security Freeze on Any Data ARS Holds on Me : Additionally, if possible, I would like a security freeze placed on any data they may hold about me to prevent unauthorized access.

Documentation : I have attached a copy of my original letters to ARS for reference, including proof of mailing and other supporting documentation of my attempts to fix my consumer report.

Thank you for your attention to this matter and for your efforts to protect consumers from non-compliant reporting agencies. Please do not hesitate to contact me should you need further details. Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Attachments : Copy of request letter to ARS
Product: Checking or savings account

Simple Bank backed by bbva was bought by XXXX. when they aquired bbva. we were promised seamless transition. on a friday before XXXX XXXX they decided to do the transition. my girlfriend and i have been locked out of our apps for bbva due to technical issues. as have many other consumers. i tried calling and every time they would hang up on me. the same happened today, they are also going to charge us for fees that we need to opt out of which i cant even opt out of due to not being able to access my account.
Product: Debt collection

I was seen on XXXX, at XXXX XXXX XXXX XXXX emergency room. I provide proper billing information and XXXX XXXX was billed. It took a while as they thought I had other health care. I solved that but SEQUIUM ASSET SOLUTIONS , LLC, XXXX, GA, keeps calling me and saying I owe them {$700.00}. I contacted both the hospital billing ( XXXX ) and physician billing XXXX - XXXX ) several times. I spoke with both today ( XX/XX/2021 ) and they assure me I have no outstanding balance with them yet this agency keeps calling me. They called me just this morning ( XX/XX/2021 ) but I refuse to take any more of their calls. My credit report still shows a collection and has hurt me for 2 years. I need them to take me off credit reporting but they won't listen. All I ever get is an argument and high pressure to pay over the phone. I pay my bills but I don't owe this one. Thank you. XXXX XXXX XXXX
Product: Bank account or service

I am a customer of Wells Fargo 's. Several fraudulent charges were made on my checking account at locations across the country. They erased the charges ' existence, only gave me a fraction of my money back and will not even explain what is going on.
Product: Vehicle loan or lease

Paid my bill 2 days earlier from my due date. I was saying ok i should have more money add to the principle. I look at the account only XXXX dollars was applied to my principal. I called ask how only XXXX dollars was applied. They told my after i made my payment last month. The next day it start collecting interest again. I told the lady thats illegal. They interest isnt supposed to start again until the new billing she told me no it start over the next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not consented capital One to access my credit. However, there is an inquiry reporting from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account been affecting me life to do better with me credit I s been five years I have try some many times and the dont do anything compay Mid alantic management. Amount XXXX this is been a issue that doesnt let me move forward on my credit
Product: Debt collection

Chrysler Capital wrote off my account as a charge off. However, I didnt receive an IRS 1099 cancellation of debt form & because of that its inaccurate & should be removed.
Product: Debt collection

Tek collect added a medical collection to my credit on XX/XX/year> well after regulation v took affect. Refuses to acknowledge regulation v and claims it doesnt apply to them. 
Called multiple times and harassed me from spoofed and random numbers after I blocked them multiple times