23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Sent lawful tender of payment to this company since XX/XX/XXXX and they have denied it multiple times along with the 1099A that they have denied they received. Due to multiple violations of the TILA now I have rescinded the contract on XX/XX/XXXX they have now unlawfully repoed the vehicle on XXXX.Pursuant to 12 USC 1431 banks can not loan you money. I have attached my payment remittance coupon that was received by Westlake XX/XX/XXXX, please see " act of XX/XX/XXXX '' my tender of payment is lawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo reported me during Covid19 when I was having an economic hardship- they put me on a pandemic forgiveness program bet still reported me and closed my credit card- I had perfect payments before covid19 happened. They are not offering any assistance to help out those lost their job
Product: Mortgage

Attached is the XXXX statement for XXXX XXXX. 

Key Bank is claiming a lack of standing for me tp complain about its conduct, because I am not the executor of XXXX XXXX 's estate. I am still a successor-in-interest and have completed the successor-ini-interest form, sent it to Key Bank and the company has acknowledged its receipt. As a beneficiary of the estate, I do have an interest in Key Bank 's malfeasances that affect that interest and believe that the CFPB should insist on a response from the company other than a claim of a lack of standing of the complainant. 

Key Bank is again charging for fees an inspection fee and legal fees - that have not been approved by a New York State court, which pursuant to New York State law is required before they can be assessed ( see p. 2 of the XXXX monthly statement ). 

Key Bank is claiming these fees are part of the delinquent balance, even though these fees have not been approved in kind or amount by a New York State court. This makes it more difficult for a borrower to cure the deficiency and the default. If I were the CFPB, I would make sure Key Bank is not doing this systematically with other borrowers, because it appears to be computerized. See p. 1 of the XXXX montlhly statement, the identified past due amount and the amount currently due. 

Legal fees assessed to this borrower include legal fees in which the attorney proponent of the legal document ( motion for summary judgment ), XXXX XXXX, XXXX, now formerly of XXXX, XXXX, XXXX XXXX XXXX, XXXX, violated his oath pursuant to New York State CPLR 3012-b that the motion had merit even though it took the position that a home loan was no longer a home loan just because the borrower died, which is the opposite of the position Key Bank has taken with the CFPB, such that Mr. XXXX should have been collaterally estopped from making the argument, and he had an obligation to review the file before making the representations he did in his legal papers. XXXX XXXX, XXXX, also now formerly of XXXX, XXXX, XXXX XXXX XXXX , XXXX, was his supervisor and, at a minimum, violated New York XXXX 's professional legal code of conduct 's rule associated with " Fairness to Opposing Party and Counsel, '' as, of course, Mr. XXXX violated also in so far as he violated the state 's criminal code regarding making a false sworn statement, a Class A misdemeanor in New York State. I do not such legal fees should be assessed, but, as I have written before, that is why a New York State court needs to approve the Key Bank 's assessments ; certain, if not all assessments, may not be approved.
Product: Debt collection

Discover Card. I settled a Discover card debt with a debt collector XXXX XXXX XXXX XXXX XXXX working for Discover on XX/XX/2020. I paid via XXXX XXXX money order in the amount of {$280.00}. I need a tax form ( 1099-C ) from Discover for the settlement account with correct settlement date reflected on it. I have been in contact with Discover ; however, they issued me another one that showed againXXXX date instead of XX/XX/2020 on it.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX added a derogatory mark on my credit report per XXXX, XXXX, and Equifax. These degratory remarks and account are apart of identity theft. I have attached a FTC report that list all accounts that were listed on my credit report illegally.
Product: Debt collection

RUSHMORE LOAN MANAGEMENT aided fraud loan schemes with bank loans that have been assumed for collection from XXXXXXXX XXXX that has been cited for identity fraud loan schemes for over a decade. 

Rushmore Loan Management is working with the collections of all XXXXXXXX XXXX  loans and will not provide any information to authorities about my identity theft loan fraud schemes that stole hundreds of thousands in loans away from my property. 

The thief is reported to be in XXXX and will stopped paying off fraudulent loans, that Rushmore Loan Management refuses to supply any documents after I reported the loss and extensive damages. 

Rushmore Loan Management refuses to compensate my losses per XXXXXXXX XXXX identity fraud schemes under several loan bank online website that XXXXXXXX XXXX owns such as XXXX, XXXX XXXX, XXXX, and possibly more names. 

The property has been used to facilitate fraudulent loans without my knowledge and Rushmore Loan Management will not accept any accountability and hired attorneys XXXX XXXX XXXX, who use courts to harass and intimidate me, the victim of identity theft. 
I am being harassed by attorneys of XXXX XXXX that assumed my identity, assumed data information and allowed fictitious loans schemes using my valuations, my property and my identity theft for financial crimes. I reported I am victim violated by identity theft fraud of their crimes and contacted authorities regarding fraudulent misrepresentation practices regarding fictitious loans. 

Here is an example of bad communications and hostility to victim who shared all the CFPB orders that have been filed by CFPB for the protections of victims harmed by XXXX XXXX loan fraud identity schemes. 

" XXXX XXXX, This is the last, and only, time I will address your various filings. They are nonsensical, irrelevant to the pending foreclosure action, and are sanctionable as frivolous pleadings. If you continue this course of conduct, I will seek sanctions. '' Sincerely, XXXX XXXX, XXXXXXXX XXXX Litigation Attorney Email : XXXX Tel : XXXX EXT XXXX Fax : XXXX From : XXXX XXXX XXXX Sent : Thursday, XX/XX/202XXXX XXXX XXXX To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX Subject : Re : XXXX XXXX  XXXX XXXX XXXX ; Case No. : XXXX I filed affidavits detailing federal racketeering, plus affidavits for relief due to counterclaim, detailing the public corruption, I filed affidavits for relief and had no response to those affidavits.
Product: Money transfer, virtual currency, or money service

purchased bitcoin and erthrum coin from coinbase worth XXXX dollars to try it out and the money was frozen and they transfer from a simple debt card took days to transfer and the activity was paralysed and i lost the big gain the currency offered at the time of purchase and yet still they can not let you take your money out for next 18 days this i find really crazy and horrible plus the customer service do not respond nor answer their phone. the automated system is horrible and useless.
Product: Debt collection

Noticed my check was being garnished but I never receive anything from anyone about who or why.. After making a few calls, I find out its Mendelson law firm. I call them on XX/XX/XXXX and they told me I had a balance of XXXX and that they would send a copy of the judgement against me. After looking over the copy they sent, it said that the judgement was for XXXX I 'm not sure when my check started getting garnished but i have each weeks check from current day to XX/XX/XXXX stating how much had been token out each week for a TOTAL of XXXX that is XXXX too much. I 'm not exactly sure when the garnishment started, it was sometime around XX/XX/XXXX but could have possibly been a week or so earlier. When I ask the lady on XX/XX/XXXX what the balance was she told me XXXX I spoke with the same lady again on XX/XX/XXXX she told me my balance was only XXXX I was confused as to how in 7 days did my balance get reduced by XXXX dollars in 7 days when my check was only being garnished of XXXX a week. The lady asked to call back. She called back in about 15 minutes and told me the original creditor was XXXX and the Mendelson had assumed the bad debt from XXXX. She also said that since I last spoke with her 7 days prior, that Mendelson had received one payment of XXXX something dollars and one that was a XXXX dollars. Again me being confused as to how they were getting XXXX checks when only XXXX dollars was coming out of my check each week, I asked her. That 's when she started telling me of assuming the bad debt. I think the whole firm is shady and may never stop trying to get money from my check. Oh and I think I fail to mention that the original judgement was dated XX/XX/XXXX.. I 'm not sure but I thought after a determined amount of time, these things expired
Product: Money transfer, virtual currency, or money service

I received a payment via Venmo of {$1100.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX - transaction ID XXXX - as payment to rent my timeshare at XXXX XXXX XXXX from XXXX as advertised on XXXX 

The resort ( XXXX ) has a long list if typical amenities listed including internet service. It is in a well known location in the XXXX XXXX at approx XXXX ' elevation. 

XXXX checked in on XX/XX/XXXX. Late on the XXXX day of this stay ( XXXXXXXX XXXX on XX/XX/XXXX ) he contacted me for the first time indicating that the internet was not working well ( and/or art all ) for him. I responded immediately - checked with the front desk, other friends staying at the property and XXXX XXXX. All reported that there was no internet outage. ( I stayed there myself from XXXX and experienced no internet issues ). 

Nonetheless, XXXX was insistent that his internet was not working properly. I provided a variety of nearby local suggestions where free internet was available ( rec center, library, XXXX, etc ). He indicated these were unacceptable and that he would be leaving and wanted a refund. I reminded him that the posted check out time was XXXX and told him to confirm when he had left and had returned the week long use beach card he had been issued at check in ( as required ) so that I could have the unit cleaned and could post the remainder of the week for rent at which time I would issue a partial refund. 

I never heard from him again. I contacted the manager who reported that he did not leave until 2 days later ( XX/XX/XXXX ) and after check out time- so a 6 day stay of 7. He also used all the beach passes and failed to return the card as required. 

Dispute XXXX was filed on XX/XX/XXXX - XXXX months after payment and almost 2 months after check out. Venmo has frozen my account & apparently sent the entire rental payment back to XXXX, despite saying this doesn't qualify for purchase protection for the buyer. It's impossible to reach a CSR in person. They indicated the buyer 's credit card company decides what happens and offer me no protection against this attempted fraud as implied. This person stayed 6 days and used all services/amentities of my condo and is attempting to do so for free because he allegedly couldn't get internet to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file : XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2022 these items above should be removed from my report immediately. Please note : I have included in this package a copy of my driver license, copy of proof of address, copy of my SSN, FTC report
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for its failure to conduct proper investigations into inaccuracies in my credit report. Despite my repeated disputes and supporting documentation, XXXX consistently responds within 24 hours, asserting that the account in question is accurate. However, no evidence of a thorough investigation is provided, and this lack of diligence violates federal law. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation of disputes raised by consumers. XXXX repeated failure to meet this standard suggests a systemic issue in its handling of consumer disputes. 

Additionally, this practice appears to contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), which prohibits unfair, deceptive, or abusive practices. The CFPBs recent administrative proceeding against XXXX ( XXXX XXXX. XXXX ) highlights similar violations and underscores a pattern of noncompliance with federal law. 

Requested Resolution : I respectfully request that the CFPB investigate XXXX practices and take appropriate enforcement actions to ensure compliance with federal laws, including : 1. Mandating that XXXX conducts thorough and reasonable investigations into consumer disputes. 
2. Requiring XXXX to provide evidence of investigations to consumers when disputes are resolved. 
XXXX. Ensuring XXXX complies with the FCRA and CFPA in all aspects of credit reporting and dispute resolution.Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX
Product: Checking or savings account

Already tried fixing this through them over the phone with picture evidence but no success, tried going to XXXX and filing with small claims court but chase ending forcing the case to close. 
I had returned an XXXX purchase and got the refund credit back to my chase claccount but chase was holding the credit, so I got no credit and on top I got charged again plus they reversed some other credits that Im authorized for that was already confirmed by XXXX representatives. 
Ive always had a good standing account with no issues before and never owed them money so no reason to be holding my credits that belong to me that would total about {$800.00} or more that they are holding As you can see in the attachments provided they took back {$440.00} twice while I sent proof of XXXX stating they issued the credit along Im sending pictures of the other reversals they did and charges
Product: Checking or savings account

I opened new checking and saving accounts with Citibnak sometime last year in XXXX using new account promotion bonus, I met all the requirements and earned {$500.00} bonus ( new account opening promotion ) sometime in month of XX/XX/2020 they credit this amount into my account directly, and as I was told that I should receive 1099 for this promotion bonus. 

But unfortunately they never issued/send me 1099 and when I tried to call them and ask for this first of all they are telling me ohh because I did not earn $ XXXX interest and so no 1099 was issue and blablabla ... but this promotion bonus should trigger and required by legal to have them generate 1099 and send me and IRS . 

Can you guys please help me into resolve this with CitiBank? I should get a 1099 for this as well as they should pay me the cost of my tax return amendment as well. 

( I was just realized that as my husband also was in similar boat and he just received his 1099-MISC yesterday only from Citi with a letter said due to some error they did not issued the 1099 for the promotion bonus and so they are issuing now which is passed the deadline and so as it requires a tax return amendment and so they will send a check of {$180.00} to cover this tax return amendment cost )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4800.00}, XXXXXXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX XXXX, while applying for a rental home, I learned of a " debt '' I owed which was submitted to collections from XXXX XXXX XXXX ( XXXX, Arizona ) in XXXX. The amount owed ( {$2800.00} ) was immediately paid - in full. 

I took online courses in XXXX at XXXX XXXX XXXX under the Veteran 's Administration XXXX XXXX, which pays for XXXX veterans to seek educational opportunities. I was completely oblivious to this " debt. '' Upon learning of the amount owed, I immediately paid the total to expedite the removal of this " collections debt '' on my credit report. This was a blatant miscommunication and misunderstanding from the Veteran 's Administration XXXX XXXX agency. I have countless documents to verify I am a XXXX veteran and that I was eligible for XXXX courses at that time. 

I have outstanding payment history ; I have never had a debt owed be escalated to a collections agency. I request that this paid " debt '' be removed from my credit report immediately. I ireviewed my credit history after learning of this " debt '' - it has clearly had catastrophic effects on my score. 

Thank you for your attention in this matter. 

XXXX XXXX United States XXXX XXXX, XXXX
Product: Checking or savings account

Bank of America and XXXX Based BOA XXXX XXXX XXXX XXXX XXXX are yet again depriving me of my rights and preventing me from doing the right thing. 

Given the trauma, uninformed staff, its predatory nature, its refusal to allow a supervisor to speak with me, its illegal non-compliance with existing banking law, and the its apparent illegal discrimination against me in banking decisions because of my XXXX I today decided to close my BOA account. 

In doing so I was alerted by XXXX in Nevada that I could not close my account because there was deficit of XXXX dollars listed yet there was no listing of the nearly XXXX dollars BOA has of my money which it is refuses to deposit. Nice scam is you can make it work! 

Anyway I am so tired and traumatized by this whole experience that will be extent of todays post with a great deal to follow in the future. Thanks..
Product: Vehicle loan or lease

I recently placed a complaint on these guys for making me wait for my refund. An executive named XXXX emailed me like he was going to contact me in one or two business days, now its been a whole week. Another payment is approaching and I still havent received my refund. My bank filed a complaint on them as well because when on three way with them, no one could find a check number for the refund that they supposedly sent out. Now, theyve sent the refund to their own personal third party check free business to hold the check as long as they possibly could. This is a complete failure and I need these people to be prosecuted. This so called executive seems like us where these bad managed employees got their training from.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my Transunion credit report. Despite my repeated attempts to have these accounts removed, they presist, causing significant damage to my financial reputation adn well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissibile purpose to explicit consent. Please see attached file for these items I am complaining about.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit Reporting act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c.1681. 
Account Name.. XXXX XXXX XXXX XXXXXXXX Account # XXXX Account Name.. XXXX XXXX XXXX. Account # XXXX Account Name... XXXX XXXX. Account # XXXX 
Account Name.. XXXX XXXX XXXX.. 
15 u.s.c. 1681 section 602 A. State i have the right to privacy..

15 u.s.c. 1681 section 604 A. section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1681 C. ( 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.