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

ATTENTION CEO, CFO, and TRUSTEES. In pursuant to the Fair Debt Collection Practices Act you did not provide the information requested and Required by LAW. I am requesting a physical, handwritten signature on a document related to debt collection, as mandated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates how debt collectors can contact and interact with consumers ; essentially, it requires a tangible signature with ink on paper to validate the document legally. This was not provided for any of the accounts in relation to the XXXX New Vehicle Loan {$25000.00}, All Allege debts are accepted for Value, returned for value In pursuant to Title 15 US Code 1693o-1, Public Law 106-229. In the past you have received endorsed coupons that were received by Navy Federal Credit Union and ignored to settle all accounts in which is a violation of Public policy 3-603. TENDER OF PAYMENT. A company providing remittance transfer services is required to follow the disclosure and information requirements outlined in 15 USC 1693o-1. Due to your inability to Validate the Allege debt, Consider All accounts Settled and Adjust the balance to XXXX. In Accordance with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

By : XXXX XXXX, XXXX As : Beneficial Equitable Title Holder in Due Course
Product: Credit card

My American Express card had a balance on the XXXX 2016 statement. I paid that balance with an auto-pay and there were no charges before the XXXX 2016 statement was due. American Express refused to provide a statement showing the prior balance, payment, and XXXX balance. The " Live Chat '' told me it was " not possible to generate a statement that shows XXXX balance, the payment transaction and the prior balance ''. So why is American Express exempt from reporting all financial transactions on their credit card statements? Are they above the law?
Product: Checking or savings account

Keystone Law LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of XXXXXX/XX/XXXX XXXX Re : Debt Validation Request and Dispute Dear Sir/Madam, I am writing to formally dispute the validity of the debt reported by your agency and to request validation as required under applicable federal regulations. 
XXXX. Dispute of XXXX : I dispute owing any and all debts to your agency. Your recent communication and the subsequent report on my credit report do not provide adequate validation of the debt in question. 
XXXX. Request for Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 12 CFR 1006.34 ( b ) ( 5 ), you are required to provide validation of the debt, including a detailed account statement and proof that you have the authority to collect on this debt. As of now, I have not received this information. 
Please provide the following documents to validate the debt : A detailed statement of the debt, including the original creditor 's name and the amount owed. 
A copy of the original credit agreement or contract. 
Proof that you are licensed and bonded to collect debts in my jurisdiction. 
The purchase agreement between your agency and the original creditor. 
XXXX. Dispute of Reported Information : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given a chance to dispute the account before it was reported to the credit bureaus. This action violates my rights under the FDCPA. 
XXXX. Cease Communication : In accordance with 15 USC 1692c ( c ), please cease all communication with me via email, texts, and phone calls. Any future communications should be sent to me in writing. 
XXXX. Compliance Request : Please ensure compliance with 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) regarding the reporting of debts to consumer reporting agencies. Your failure to provide the required disclosures and validation constitutes a violation of these regulations. 
Please send all requested documentation to my address listed above within 30 days of receipt of this letter. Failure to do so will be considered a violation of my rights, and I may seek further action as necessary. 
Thank you for your immediate attention to this matter.
Product: Mortgage

1. I bought a house on XX/XX/XXXX. According to the contract PMI willa utomatically terminated when the principle balance reach 78 % of the original value of house. I did reach this goal on XXXX/XXXX/2014. But my mortgage company -Ocwen servicing agency refused to cancel My PMI.Imadephone/email/fax request to cancel it. Now my principle balance is 73 % .But still they charge me with PMI. 
2. ocwen also refused to release money to my insurance company on time and my house was uninsured for one month. 
3, They also increase my escrow without giving any explanation. Frustrated with all this I did request to cancel my escrow account. But they refuse to do so.
Product: Checking or savings account

I had a account with Bank of America money got stolen out my bank account its was XXXXXXXX XXXX from my XXXX account filed a dispute with the fraud department they said I could not get my money back and had no way of assuring my banking with XXXX no warning are anything and had money stolen out of my bank account again XXXX XXXX from someone getting my information and taking my tax money I received I cancel my debit card told them I had know knowledge shut down my card sent me another one and whoever this was tried to go in my bank account again even with the new debit card so I shut my bank card down again
Product: Debt collection

This man by the name of XXXX was borderline aggressive and rude. After picking up the call, he assumed he was speaking to the debtor which he was not. I asked him to give me his contact information, and he just replied by claiming that I was in deed the debtor. At this time, I again stated I was not and repeated for him to give me the name of the company he was calling on behalf of, and he responded by again repeating the debtors name. I informed him that this number has been calling this residence non-stop and if he could provide me with the company he was representing. He replied that I did n't need to know this and not to concern myself. I ended the conversation by telling the agent that he was Very rude and he should brush up on his communication skills when calling someones home and that he should ask instead of accuse people of being another person. It is Ridiculous how some companies are allowed to treat consumers in this way.
Product: Student loan

I have been receiving phone calls from multiple numbers and none of them leaving voicemails. I finally decided to answer one and its someone on the other line telling me that I'm 100+ days overdue on my payment and if I would like to make a payment over the phone. I wasn't born yesterday obviously I started asking questions. They had confirmed that they are a collector on behalf of ACS and/or Conduent. I had told them I have never heard of them nor have I received mail of a payment due, late notice of payment, second notice of payment, or even a collection notice. I ended up calling my school about the first week of XX/XX/XXXX and left a message. Just today I got a hold of them and asked to see if they knew who ACS or Conduent is and my school confirmed they are indeed one of the lenders. So I called today and asked them to send me some sort of bill or payment notice or something. I was a student and am making better of life. To better my life and my family we moved out of state, but my mother-in-law lives at my previous residence. The USPS uses mail forwarding that I am currently using. So there is no excuse for me not to receive my mail. Apparently they have already messed up my credit. This is not right. I'm suppose to use telepathy to know who to pay my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian to remove fraudulent/ unverified accounts from my Credit Report. Experian removed five items that were fraudulent/unverified. However two other accounts continue to remain on my credit report which is having a extreme negative impact on my credit score. I sent 4 certified letters with return receipt to Experian from XX/XX/XXXX through XX/XX/XXXX.
Product: Debt collection

on XXXX/XXXX/2015 XXXX accessed my credit report with permission.
Product: Student loan

I was enrolled in XXXX XXXX XXXX University in a XXXX 's program. I received an excess funds payment on my last term. Two weeks later, I was blocked from my student class because I was informed I had a balance due. I was unable to resolve the situation. I kept asking why I received the excess funds refund when there was a balance due. I had to drop from the program as this was my final capstone class. I could not get anyone to explain why I received a refund when there was a balance due. I can not afford to pay the balance as I am low income. I received a letter from legal counsel of XXXX stating I owe {$1700.00} and if not resolved, this matter may be placed with a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting or other personal consumer reports

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX ; XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a/ XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact , so be it. 

Whereas, I of age, of majority, give this herein notice to all, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I depose the following facts, so be it, now present : Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it. and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commences, so be it. and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B and Exhibit C that EQUIFAX is in violation of 15 U.S. Code 1681b ( a ) ( 2 ). EQUIFAX did not remove the following accounts in accordance with the written instructions of the consumer : XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Debt collection

I just caught this a minute ago, I would like to know exactly what this means : " The lender 's contract with this borrower obligates the borrower to pay the lender 's attorneys fees. Those fees continue to increase. '' This looks as if you are saying the attorney fees are increasing. How is that possible? Are you going to try to charge me for writing several responses for {$400.00} per hour or for two sentences? 

I'm not sure how this attorney could say " those fees continue to increase. '' I'm not understanding that. 

Please verify EXACTLY what you mean by this statement.
Product: Credit card or prepaid card

We were purchasing some home gym equipment back on XX/XX/XXXX and when asking about promotions and cost. We were told that they have a 6 month promotional offer and we asked if it was possible to do 12 months and they said they could look into it and get back with us. They did get back to us and told us that we could get the 12 month promo and that there would be no monthly minimum payment as long as we paid it off in the 12 months. Well when I got the statement in the mail I was surprised to see that we did in fact have a monthly minimum payment which was being factored at 3.5 % which was never disclosed and we never received any disclosures or signed any application for that matter. When I received our Statement I called the Sales Rep on XX/XX/XXXX and asked him why I did have a minimum payment and why was it 2 accounts instead of just one and that my payment was due in 2 days and that he needed to get back to me asap. Well XX/XX/XXXX came and went and I ended up making my payment so that it wouldn't be late or derogatory. Now 11 days later I call him again and ask him to check into it and he says he will, he finally calls me back and tells me that he misspoke but that I was still getting a good deal. Well to me I am not getting a good deal cause what I was told was the deal I wanted but now I am stuck with completely different terms than what I was told I would be receiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX never sent me a bill for the body scan they performed on XX/XX/2022. 

I paid {$230.00}, then they said they would send to my insurance, XXXX XXXX. I never got a bill from XXXX XXXX or from XXXX regarding my XXXX scan. 

I checked my XXXX credit report 2 days ago, and I was astounded to find a collection account on my report from Cornerstone Credit Services. I never received any letters in the mail, nothing. XXXX XXXX sent my bill to collections without notifying me. XXXX never sent me a bill, and now this collection agency put a report on my credit, without sending me a letter notifying me of the charges. 

So this collection agency has broken the law by not properly communicating these issues with me. XXXX XXXX and XXXX have dealt treacherously with me by not notifying me that XXXX XXXX was out of network for XXXX. I am disputing this with XXXX now and trying to get this taken off my report. I can't even validate that this debt is mine.
Product: Payday loan, title loan, personal loan, or advance loan

OneMain expected its employees to upsell borrowers on every loan. Employees were incentivized to push more products, and company training materials directed them to upsell them even when consumers had already declined the products on previous loans. Salespeople were evaluated on the basis of their sales rate and could even be fired if they did not upsell enough. 

The CFPB found that OneMain : Tricked borrowers into signing up for optional products : OneMain customers were led to believe that they could not receive a loan without signing up for an add-on product. Some employees added the products to paperwork without verbally informing the consumer that the products were included or optional, a practice referred to internally as pre-packing. If the consumer identified the products and asked for their removal, employees were expected to make it seem difficult to remove the products. In other cases, employees obscured written disclosures from consumers view, or verbally contradicted them.
Product: Mortgage

I am contacting to explain my complete frustration and concern about the total lack of privacy and security exhibited by Bank of America during my loan modification eligibility process. 
When the process started, I initially had to set up a secure account online that I automatically assumed would keep my personal information safe and protected from cyber predators.I was then asked to provide personal tax details, banking and mortgage information via electronic uploads.This information unfortunately included my social security #, my bank account details and XXXX information. 
I accessed the " secure '' Bank of America Borrower portal on the weekend to check on the status of my loan modification application and to my absolute dismay and horror I was able to look at the following : Statements and earnings information for a lady in XXXX XXXX, CA who is applying for some sort of change to her banking methods.This lady had submitted these confidential documents to Bank of America but they have been deposited in my portal and possibly other people 's portals to see.Very disturbing!!! 
Statements and social security information from a couple in XXXX XXXX, CA who are also trying to make changes to financial situation.This couple 's private information was available to view in my portal which is totally wrong and should not have happened. 
I did not see an uploaded copy of my XXXX for 2016.I wonder whose portal that is in??? 
I am extremely concerned that all of my assumed confidential information that has been disclosed electronically to Bank of America could be in the hands of potential criminals who could steal my identity and destroy me financially.It is obvious that BOA have a very insecure network that distributes very private and personal information into the wrong portals.I am also very disturbed at the lack of concern shown by telephone personnel that i spoke to when I found this problem. " it was just a mistake '' is not what I wanted to hear.It is a very serious mistake and there should be consequences for this happening. 
I have absolutely no confidence that my personal information will remain confidential with the Bank of America secure borrower portal.I have no idea who is looking at it.I will forever be checking my credit report and very concerned about identity fraud in the future. 
My lawyer and I will hold Bank of America responsible for any fraudulent activities that take place as a consequence of this very unprofessional act.At this point I am not sure if I should continue with the process.
Product: Checking or savings account

On two separate occasions I deposited checks into my account via mobile deposit. I was told part of my funds would be available next day. Instead my account was out in a negative status. When I called Wells Fargo I was told the checks were fraud. When I confirmed the checks with the maker I was told the funds and Check was valid and no fraud issues were detected. I called Wells Fargo and give them this information that my funds should be available and the maker confirmed the checks were good. On both occasions Wells Fargo denied releasing the funds and has no legal reason to do so. I feel this treatment is a result of Racial discrimination
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$21.00}. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX  XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXXXXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$480.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there. And Most of them are already XXXX balance but still reporting on my credit report.
Product: Credit card or prepaid card

11 months ago ( XX/XX/2022 ) I opened a " Wells Fargo XXXX XXXX XXXX '' with Wells Fargo, specifically to take advantage of a promotional offer that was advertised with 0 % interest on transferred debts for one year. Based on this promotion, I transferred my existing {$10000.00} debt to this new credit card. However, I recently discovered that instead of the promised 0 % interest rate, I have been charged OVER 20 % interest for the past year. 

I contacted Wells Fargo 's customer service department to resolve the issue and was informed that I did not qualify for the 0 % interest rate promotion. However, the reasons for my ineligibility were not clearly explained to me, and I was told nothing could be done. 

The extra interest charges I've incurred due to this misunderstanding have placed a financial burden on me. I believe there has been a lack of transparency and total miscommunication by Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to pull two credit reports today ; Experian and XXXX. 

For identity verification, XXXX  displayed a series of irrelevant questions, then claimed they were unable to verify my identity. Interestingly, they were able to verify my identity for a previous transaction on same day. Subsequent attempts to pull report resulted in same result. This has happened multiple times with XXXX. 

Later today I tried to pull my Experian report and received the following message - " We're sorry. A condition exists that prevents Experian from being able to accept your request at this time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account 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

they are showing i have a debit when i do n't. best i can tell this is nothing less than an at lest three attempt of over billing a/k/a mail fraud. for a fee of {$500000.00} to them ( pluse court cost and attorney fees ) i 'll pull my checks, credit card statement, etc. anything less is wasting my time. This offer is only good for 10 days this fee does not include punitive damages, interest, insurance expanse, etc. that is to be determined by attorneys and/or jury. 
they have already been advised in writing these are nothing less than an attempt of ether paid or an act of over billing, just not mine.instead, just comment another act of over billing and punitive damages.
Product: Credit reporting or other personal consumer reports

Incorrect and not accurate information on the credit report and no proper investigation and no verification done by the credit bureau Account number # XXXX  XXXX XXXX XXXX XXXX XXXX