23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

VALIDATION AND CEASE AND DESIST NCA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear NCA, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

An auto loan was opened without my knowledge and I never had the vehicle
Product: Credit reporting or other personal consumer reports

I XXXX XXXX : XXXX the living breathing man/ likeness of God Have disputed and challenged these inaccurate reports with the Department of Education XXXX XXXX DEPARTMENT OF EDUCATION XXXX DIRECT LOANS, I challenge all claims that I, XXXX and a debtor and or responsible for the any portion of the Public Debt of the UNITED STATES XXXX XXXX XXXX Am the living man and possess the security that was pledge for the Debtor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other variation or spelling of the ALL CAPS LETTER legal Fiction / Federally owned and created NAME Pursuant HJR XXXX of 1933 and the BANKRUPTCY ACT all debts are an obligation to the UNITED STATES OF AMERICA which is a Corporation. 
I act in accordance with the folllowing XXXX Supreme Court XXXX : XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX XXXX family last name am the public agent of record, without recourse and private sole beneficiary and executor of the Estate and NAME of the Private Business Trust XXXX XXXX XXXX ; the Secretary of the Treasury of the United States being its fiduciary/trustee. 

I, XXXX XXXX XXXX XXXX XXXX family name am a XXXX Private XXXX XXXX XXXX XXXX defined by Section XXXX of the Fourteenth Amendment to the Constitution for the United States of America said status having been protected by the former constitutionally created XXXX government outed as of XX/XX/year> ; and during the provisional military government temporarily imposed by the congressionally approved and confirmed Proclamation XXXX of XX/XX/year> -- -a Post -- -March XXXX 1933 Private American Non-Citizen/ National protected by Section XXXX of the Fourteenth Amendment to the Constitution of the United States of America XXXX XXXX XXXX
Product: Bank account or service

5/3 Bank reported fraudulent activity on my account & closed it. They reported the activity to XXXX and now I am unable to open an account. My account was overdrawn by {$89.00} ; however, there was no fraudulent activity on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA.

In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions.

15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason PERMISSION WAS NOT GIVEN TO FURNISH THIS INFORMATION
Product: Money transfer, virtual currency, or money service

The company is called Robinhood. I used this app throughout my personal XXXX to buy or sell XXXX, I had an email on XXXX stating that they locked out my account because they suspected something and they didnt want to specify it. They said that they wanted a utility bill to prove that I was living within the XXXX. I clearly told them that I was living in the XXXX and if they wanted further information personal information which they know they have all my information up to date. Since they clearly they didnt want to solve my issue they illegally closed my account froze my XXXX wallet and forced shutdown my account because of just a utility billing and they didnt want neither my birth certificate or passport that proves I live in this said address, not only I lost my money and my investments I also lost on investing opportunities due to their negligence and their mismanagement, I had not been notified on my email regarding this situation but when one was recent that they did send they told me that they were gon na shutdown my account, I feel that Robinhood indeed robbed my investments, froze my assets, froze my money which they still owe me back and upholding my money. If you need further information or text from them please contact me. Thanks!
Product: Student loan

I took out a loan for {$15000.00} in XXXX through SallieMae. 
They resold my debt to Navient with an unfixed interest rate. 
Since XXXX, I've paid {$17000.00} to Navient As of today, with their variable interest rates ( currently 8.125 % ), I owe an outstanding balance of {$17000.00} XXXX lost my job due to the pandemic and took as much forbearance as they allowed. Now I'm all out of deferment/forbearance time and they're punishing me by raising the interest. I can not make any more full payments. 

They do not give options for partial payments. Because I can not make payments, they've started charging penalty fees. 

Navient calls my house XXXX times a day. They have called the police on me ( XX/XX/XXXX ) They will not let up, and now they are harassing my father. I am a single mom. I fear we will be XXXX by the end of the year due to their predatory nature. 

I implore you to look into the number of suicides caused by this company among millennials. 

Also, they don't allow borrowers to pay more toward their bill each month, so there is no way to pay the principal down. We, the borrowers are trapped. And when their website is down for days, we the borrowers are charged penalty fees. 

How is this allowed?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I leased a brand new XXXX XXXX. The contract stated that the lease was for XXXX years and I was not to go over XXXX mileage. 

In XXXX of XXXX, when my lease was up I returned the XXXX XXXX in good standing and in good condition. 

The mileage was just over XXXX ; well below the alloted mileage. 

XXXX has the status as the account is still open, when the account should be closed ; it also shows that the payments are current as well as on time, however, I returned the XXXX XXXX back in XXXX of XXXX. 

I called XXXX 's financial department and the person I spoke with stated that she could not find any information on my account. I asked her how can this be since on my credit report shows that it is still open and current with the payments. 

The person could not answer my question, however she gave me an address for me and told me that the only way to resolve this matter was to send a letter to the address below. 

account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The person stated that I have to write them because they will no accept a phone call. 

I have written XXXX twice asking them to either remove this account or to change the status from open to close. 

I have not received a response, nor has anything been changed on the account. It does show a last payment of {$290.00} was received in XXXX of XXXX. How can the payments be current when I returned the leased XXXX XXXX back in XXXX of XXXX? Especially when the lease was for XXXX years, and not XXXX years? 

If they do not have any record of my account, then I feel the account should be either removed or status changed to close. 

I do not possess the XXXX XXXX, I possess a XXXX XXXX now. 

I have been trying to buy a house, and I am unable to get an approval letter because of XXXX. The USDA XXXX XXXX XXXX program, says the debt to income ratio shows that my debt is over extended because of XXXX.
Product: Credit card

I never opened the account with syncrony bank ( XXXX XXXX ). I have reported this to the credit card company as fraud before. 

This account was never opened, and should be removed from my credit reports.
Product: Mortgage

This complaint is to dispute the response of Chase on case numbers XXXX and XXXX. The information in the response is not accurate. I have provided all documentation as requested in XXXX and the file was not closed. Furthermore, the criteria for documentation changes and Chase does not share the reason documentation is needed. ( i.e. needing proof of income and bank statement to provide proof of reserves ) Instead a series of requests for documents with changing criteria. 
In addition, even after my file has been disputed twice, still no decision has been made on my file which has been in review since XXXX 2015.
Product: Checking or savings account

I opened a checking advance account with HSBC on XX/XX/2020 and I was told I would get a {$220.00} welcome deposit for starting a new Advance checking account. The account ends in XXXX. I was told that in order to qualify I must set a direct deposit and deposit at least {$500.00} for 3 consecutive months and I would get {$220.00} deposited into my account 8 weeks after all qualifying activities. I called on XX/XX/2020 and spoke with XXXX  ref XXXX and he said by end of XXXX I should see the deposit. Then I called on XX/XX/2020 XXXX ref XXXX and he said by mid XXXX should see deposit into my account. It already has been 5 months since I opened account and I don't see the deposit I was promised. I have been told many promises but nothing so far. Please provide credit to my account as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INFORMATION LISTED DOES NOT BELONG TO ME SOMEONE USED MY INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME THAT I DID NOT APPROVE ... THE APARTMENT LISTED AND TH CABLE BILL AND CELL PHONE ACCOUNT ARE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed XXXX, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

I have two claims on my account from charges that were made fraudelently without my knowledge. One claim was filed XXXX/XXXX/2020 ... second one filed XX/XX/2020 One claim was under investigation and I was given a provisional credit for and was told the funds were permanent and then come but then come to find out its being re-investigated and any funds issued to me from them was debited putting me at - {$1700.00} a couple months later, I had to file another claim because apparently the card that was attached to my previous FIRST claim and that was supposed to have been cancelled was in fact actually never canceled by the bank and charges were STILL being made without my authorization and couldnt understand how this was going on when they had sent me a new card and thought everything was fine .... 

The day after i file the second claim, I noticed my account had been deactivated and wasnt sure why but then 2-3 days later it was reactivated with having - {$1700.00} on my card cause they had debited my account stating that all the charges that I claimed were fraudulent were valid which is false and not to mention they had already stated those charges had been made permanent on my account and then switch to changing that statement? 

While I am dealing with this issue, I noticed I have not received any communication or notices regarding my second claim? when I call to ask, apparently one of the representatives said that it had been entered into the system but nothing has been done about when I was supposed to get THAT provisional credit in 10 business days and we are now approaching almost two months and STILL no update to either of these claim issues. 

I will do whatever I need to cooperate with the investigation and fill out any paperwork required but these charges were not made by me and I expect Bank of America to follow the laws by providing my provisional credit and give me my {$1700.00} back from the first claim they said was now over and provisional credit on my account had been MADE PERMANENT. It was their fault for not having turned the debit card tied to the first claim and if they had i wouldve never had to file ANOTHER claim because their lack of security.
Product: Student loan

I received a postcard stating my student loans were part of a lawsuit, and I was eligible for compensation. Despite this, Ive continued making payments. I am requesting a full review of my account, as I paid Sallie Mae/Navient ( now XXXX ) hundreds of dollars in forbearance from XXXX to XXXX to keep my account current during financial hardship. Each period of forbearance only added more interest and fees, increasing my debt instead of helping. 

Navient consistently pushed forbearance as the primary solution, trapping borrowers in a cycle of mounting debt. These practices have placed an undue burden on individuals like me who were already struggling. The compensation I received does not seem to reflect the extent of my financial losses during those years. 

I respectfully ask that you review my payment history and determine if further compensation or adjustments are warranted. Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

I just received a wage deduction notice in the mail for a debt that was incurred in XXXX. I started my new job in XX/XX/XXXX and still on probation. the debt amount is XXXX i received this on XX/XX/XXXX. I was not aware that in the state of XXXX  you can still be sued for a debt that is over XXXX XXXX XXXX. I have not heard anything since I moved around a lot until i moved to my new address in XXXX with my boyfriend.
Product: Debt collection

This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX  months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section XXXX -I sent correspondence to the Credit Bureaus XXXX this. I was never notified in writing per XXXX U.S.C XXXX prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section XXXX ( XXXX ) adding additional amounts.
Product: Money transfer, virtual currency, or money service

was meant to receive a international wire transfer from a party outside the XXXX, they sent the transfer on their end all looks good but i have not received anything. banking with discover so international transfers go through XXXX XXXX. discover support was not able to help tracking the funds when i supplied them with a XXXX code. went to XXXX support site and submitted a ticket have not heard back. I am led to believe that the wire was correctly sent XXXX got it and somehow it has not made it to Discover bank.
Product: Money transfer, virtual currency, or money service

I used my paypal account to purchase a sofa from XXXX XXXX on XX/XX/2022 for the amount of {$1200.00}. 

On XX/XX/XXXX, paypal was able to work with XXXX XXXX, who agreed to allow me to return the sofa, and instructed me to ship the sofa back as it had a problem with the arm rest. I shipped it back to address they requested : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX as requested by XXXX XXXX. 

Upon shipping the sofa back on XXXX XXXX, 2022, I provided the tracking number. Paypal refused to issue a refund. 

In refusing to issue a refund, paypal sided with the seller, still refusing to provide the refund, stating the tracking # was invalid, although I repeatedly sent them several tracking # 's from XXXX XXXX the main trucking company and its shipper Fed XXXX XXXX. I also sent them the XXXX XXXX XXXX to let them know I had shipped the item. Representatives from Fed Ex and XXXX XXXX were available to verify I shipped the item. 

Upon receiving the item, the head of XXXX stores refused to take the item. This served as a fraudulent way of denying me a refund even after they had agreed to let me ship it. I have attached the tracking information as proof. 

I opened an additional case with paypal and repeatedly spoke to their representatives, but they still refused to issue a refund. I no longer have the item. 

I have attached the XXXX XXXX  XXXX and relevant tracking information.
Product: Debt collection

A debt collector contacted me about a cell phone account with XXXX XXXX XXXX for {$1200.00}. The had my cell phone number and my address but the phone was sent to another state and they told me that everything was setup online. I dont have an XXXX XXXX XXXX account as my family has XXXX XXXX and my cellphone is through my work ( XXXX ). They told me to file a police report but my chief of police said they dont handle those types of things. I contacted XXXX XXXX XXXX directly and they said that the cell number that the debt collector gave was not active. Ive gotten numerous phone calls from debt collectors and have told them over and over that I have never authorized an XXXX XXXX XXXX account. Recently they have sent me a letter from I.C. System Inc. I tried calling the debt collections but it went to some overseas call center that didnt speak XXXX.
Product: Consumer Loan

Have a car loan with GM Financial. The loan was for XXXX months but I have made a total of XXXX payments for this loan. They have came repro my call when it is paid off. I have a letter from tell me that I need to call them to get the title of the car. GM has miss applied some payments according to the records of my payment history,
Product: Debt collection

After reviewing my credit report and finding a balance owed by a past rental company, I reached out to them XX/XX/2019 to find out what the balance was for. I was told that I an additional balance after departing the premises. Before leaving the premises and turning in any property owed items, a walk through was taken by myself and manager of the property. I was told, I would forfeit my deposit and nothing else was owed. Five years later, I receive an alert from my credit report. When I spoke with the property manager and asked why wasnt I informed about the debt supposedly owed. She stated because there was no corresponding address listed, it was put in my old mailbox, Which is on their property. Thats was not correct because my mailing address has never changed which is associated with a family members home. Ive always used my mailing address on any application Ive completed. I also asked why wasnt I informed by email or phone. She stated theyre not required to do that. There was no damage in the unit when it was turned over to property manager.
Product: Money transfer, virtual currency, or money service

Dear Mr/Mrs, Since XX/XX/year>, a total of {$6900.00} ( {$6700.00} in the first instance and {$200.00} in the second ) has been stolen from my Coinbase account. I have reached out to Coinbase multiple times regarding this issue, yet no resolution has been provided. 

On XX/XX/XXXX, Coinbase requested a response to an inquiry, which I promptly submitted on XX/XX/XXXX. Despite this, I have not received any follow-up or resolution. Coinbase has not contacted me since and unilaterally closed my case ( # XXXX ) without addressing the matter. 

Furthermore, after filing a complaint with the CFPB, Coinbase failed to provide any updates or results to me or the CFPB. As no response was received by the feedback deadline of XX/XX/XXXX, I was forced to cancel the CFPB complaint ( # XXXX ). 

This situation is deeply unfair and demonstrates a disregard for customer trust and accountability. Coinbases actionsignoring communications, unilaterally closing cases, and withholding informationappear deceptive. 

I respectfully urge you to address this issue and ensure that the stolen funds are recovered. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

During the month of  XXXX   XXXX ,  XXXX  i traveled out of town from   XXXX   to  XXXX   XXXX ,  XXXX . During this time i was gone from college for   XXXX   XXXX  . However a few weeks after i got back i got a letter from  Discover  saying i was denied a credit line increase request. I never authorized this as is why i claim it fails to establish " Permissable Purpose '' as noted in the FAIR credit reporting act. I have been with discover for nearly a year and a half. In the past i submitted an aplication in  XXXX  and my credit card application in  XXXX   XXXX . I have never had an issue with the company up until now. During the year  XXXX  i found an error on my   XXXX   credit report of a company named "  XXXX   XXXX    XXXX   ''. I had never had contact with this business as is why i disputed and placed alerts on all my reports. I extended the alerts and the companies are notified that i have to be contacted before extending any credit. After filing a previous complaint discover insists i made this credit line increase request. I will continue to dispute that i authorized the request because i did not apply for any credit. It is to the best of my knowledge to state i still have  those alerts on my files. I recently received correspondence from Discover Executive office of Customer Advo cacy, stating they will not remove that information.