23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Resurgent Capital Services continues to report a debt that is harming my credit. Resurgent Capital Services refuses to prove that they own the alleged debt. Resurgent Capital Services has only sent a Bill of Sale which is incomplete and do not list any information that proves they own or purchased the alleged account. The Exhibit A they submitted to me from previous complaints is incomplete and does not list the alleged account they are attempting to collect on. This is false and misleading and a violation of Washington State Debt collection laws and Federal debt collection laws. I demand Resurgent Capital Services prove what authority they have to report this alleged account and prove consent to obtain and use my personal identifiable information to extort me out of money. 
I demand the FORWARD FLOW AGREEMENT/PURCHASE AGREEMENT a document that generally sets out the terms of the sale of the alleged debt. NOT AN INCOMPLETE BILL OF SALE. 
This documentation is needed to prove that the alleged debt/account was purchased, how much, and under what terms and conditions. I HAVE THE RIGHT TO KNOW HOW MUCH THIS ALLEGED DEBT WAS PURCHASED FOR AND WHAT PERSONAL IDENTIFIABLE INFORMATION WAS STOLEN WITHOUT MY CONSENT. 

I never consented to Resurgent Capital Services having any of my personal identifiable information. NO CONSENT IS IDENTITY THEFT AND FRAUD. This is also an invasion of my privacy. Resurgent Capital Services ' refusal to prove this alleged debt is owned by them is intentional and willful noncompliance with the law and they are willfully harming me. I will now resume seeking remedy through Federal Court for Resurgent Capital Services ' noncompliance with the law and I will use my multiple complaints and any information deemed necessary to prove Resurgent Capital Services ' willful noncompliance. 

I do not have an account with Resurgent Capital Services nor have they ever extended me credit. Resurgent Capital Services has also violated the Fair Credit Reporting Act by illegally accessing my XXXX consumer report.
Product: Vehicle loan or lease

In accordance with 15 U.S. Code 1635, I, the alleged obligor, am hereby exercising my right to rescind the credit transaction which was allegedly executed on XX/XX/2021 for an auto refinance loan with a total of {$19000.00} between myself and Foursight Capital. This is because, Foursight Capital, the creditor, did not " clearly and conspicuously '' disclose, in accordance with regulations of the bureau, to me the alleged obligor, my right of rescission under 15 U.S. Code 1635. 

Note : this loan was first owned by XXXX XXXX XXXX who then sold loan to Foursight Capital.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to Complaint # XXXX In my original complaint I requested VALIDATION for account : XXXX. The reasoning for this VALIDATION again, was to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. In my request I clearly stated I required " documentary evidence '' to satisfy those concerns. 

To date you have failed to submit anything for review that meets that standard. To be clear the account in question has been placed in a " Charge Off '' status and I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability.Im also aware that once a debt is cancelled, it now becomes gross income. Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness.Was a 1099-C filed on this account? If so, I never received one.

Please also be informed, knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2. 

I am also invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. 

Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, IRS, in accordance with XXXX XXXX, XXXX XXXX, and XXXX compliant documentary evidence that proves the appropriate carbon copies were sent to ALL Credit Reporting Agencies when you deleted your file from my XXXX report in 2021. 

If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further injury to me and my financial reputation.
Product: Checking or savings account

After having a substantial relationship wit h Chase, I g ot a notice they have decided to close my account and gave me no reason whatsoever. I ha d one iss ue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business   accounts and personal accounts.
JP Morgan Private cli  ent wanted me to open an account with them and put a portfolio together for me, reviewed my financials and tax returns and everything and then were told   by Chase that they were not able to open account.
I am an ideal client and maintain substanti  al balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) Due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I am an existing customer  of Chase. I have received numerous solicitations to apply for several of Chase 's  co branded credit cards. On  XXXX   XXXX , I applied for a  XXXX   XXXX   XXXX  card via their website. My application was sent to pending status and later denied. Upon calling,  Chase in formed me that I was over the limit for number of cards within a  XXXX  year period. I asked to have the decision reviewed because I was being targeted with numerous offers on an almost weekly basis fo r Chase  products. An executive escalation was started and I received a follow up call on  XXXX  that their decision stood. I expressed my disappointment with their decision an d Chase offe red  XXXX  ultimate rewards points as a courtesy. He explained that marketing offers and approvals would not correlate despite the fact I was an existing customer. I requested to have the hard inquiry on my credit report removed and was denied. I informed that representative I spoke with that I intended to file a complaint with the CFPB and he responded that while that was my right, it could not change circumstances nor would my complaint have any bearing.     I believ e Chase has acted in b ad faith, soliciting applications for a product they knew they were never going to provide me and creating a negative impact to my  credit score. I have never been late on a payment with Chase  or any other creditor.
Product: Debt collection

Companies contacted several people who are related to me notifying them that Im having an issue with my credit card payments and asking them to contact me
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!


15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 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: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened : XX/XX/2010 Balance : {$0.00}
Product: Debt collection

I, XXXX XXXX XXXX, did not sign any loan documents after Cancelling loans dated XX/XX/XXXX and XX/XX/XXXX. Did not agree to a 7.1 % ; 40-year adjustable rate, 2nd Mortgage ; and notified the following agencies, law makers and servicers from XX/XX/XXXX of this fraudulent loan : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; FBI ; FTC ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia Office of the Attorney General ; Governors Office ; Commonwealth of Virginia Attorneys Office ; etc. 

The XXXX did NOT received the loan they wanted as a Veteran using his Certificate of Eligibility but was presented a fabricated loan documents by only a NOTARY no closing agent, lawyer or loan officer present on XX/XX/XXXX to answer any questions regarding we will have and we did have on XX/XX/XXXX and stop the process and sent the notary home. 

The XXXX on XX/XX/XXXX went to the NOTARY home off XXXX XXXX and went to XXXX to copy the loan documents and returned to the NOTARY home to drop off the documents. Appellant has presented numerous times a copy of the receipt from XXXX in which the Note, Deed, HUD-1, Good Faith Estimate and other documents was NEVER signed, but the documents Fay Servicing LLC , foreclosure firms, XXXX XXXX XXXX and XXXX XXXX XXXX has presented over the years has the date changed from the XXXX to the XXXX, marked with? on Note, illegally notarized, forged date changes, forged, funding loan on XX/XX/XXXX is illegal the XXXX has proved the reason why I rescinded the loan on XX/XX/XXXX after his wife informed him that the Notary had called on XX/XX/XXXX informing her that XXXX XXXX XXXXXXXX wanted her to change the dates, sign as closing / settlement agent FRAUD and again on XX/XX/XXXX making the loan void.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

ACCOUNTS : XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I'm and sick and tired of going through this crap with you people. Now this account was already deleted from XXXX and I need this account deleted from XXXX and TransUnion as well! 15 USC 1681n and more importantly 15 USC 1681o are well in play here. If this account does not get deleted immediately I will seek legal council immediately and file a complaint with the BBB. DELETE THIS INNCAURATE ACCOUNT!!!!!
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681.

XXXX  Account XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the rights 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports 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 more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Hi my name is XXXX XXXX, I am the owner of my PNC acct, with routing XXXX ; an account XXXX. My account was compromised, as well as my debit card. I last seen it XX/XX/XXXX with my last transaction being my XXXX XXXX transaction for {$22.00}. After that I fell sick, an I sent a few XXXX XXXX but that was it, an it didnt require my acct or card so i still didnt notice anything. I still didnt notice anything until early this morning the XXXX I tried to send another XXXX an it declined, once that happened I check my acct an saw all the charges. There were charges from XXXX for over {$2000.00} as well as over 3 charges in HAWAII!! including a hotel charge, XXXX ect... I called PNC who Ive been a member with over 3yrs an was told I will receive {$250.00} in provisional credit an that was it, until a 45 day investigation took place. I think this is so unfair, im late on rent, my car note, an even child support.
Product: Money transfer, virtual currency, or money service

net I would like to draw your attention to the XX/XX/XXXX, XXXX I had sent my complaint letter to Crypto.com, in which I clearly stated how this scam has affected me personally, psychologically, and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Crypto.com never acknowledge my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. 
Overview : It is well established that victims with some characteristics of vulnerability may be more likely to fall victim to scams, including misleading online financial advertisement. They may be specifically targeted through unsolicited approaches, more trusting or more likely to be persuaded to disclose personal financial details. 
It is evidently proven that scam victims have relatively little freedom of reactivity, they respond immediately, instinctively, and invariably to the specific demands of the perpetrator under psychologically pressurising circumstances that the perpetrators themselves created to manipulate said victims ( myself in this instance ). Being able to consciously refrain from reacting in accordance with the scammers instructions is extremely difficult and sometimes impossible
Product: Credit card or prepaid card

On XX/XX/2021 XXXX funds were deposited into my Bank of America debit card account. XX/XX/2021 I went to an ATM to check my balance and withdraw a partial amount of my funds. The correct available balance was indicated on the ATM balance inquiry screen, so I proceeded to withdraw a portion of the funds. The ATM malfunctioned, the screen indicated the transaction was cancelled and I didn't need to do anything further. So I proceeded to another ATM on the premise to withdraw the funds and the ATM indicated it was unable to process the request. I returned to the initial ATM to retrieve the verification information and contact information from the ATM to report the issue. Drove to a different location and the ATM balance indicated that the account was withdrawn the initial requested amount, which was never dispensed. I immediately contacted the number listed on the initial ATM to report the issue on XX/XX/2021, and received a claim number. I have made at least 10 or more contact attempts in person and via phone to Bank of America to resolve this matter and it is XX/XX/2021 and I have no resolve. This has cause financial harm and is well beyond the investigation period indicated in the Regulation E guidelines. I request to be made whole and this matter be resolved immediately.
Product: Checking or savings account

I opened a promotional account as a brand new customer at XXXX XXXX on XX/XX/2017. I  deposited XXXX and was supposedly to get XXXX in 3 months now its been 4 months. I called up HSBC and the guy said they will review my case for another 3 months and then deposit the money if Im eligible but on their promotion they said 3 months not 6!
Product: Credit reporting or other personal consumer reports

Navy Federal is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. 
Navy Federal has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to 15 USC 3805.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX, US DEPARTMENT OF EDUCATION XXXX XXXX XXXX, US DEPARTMENT OF EDUCATION XXXX XXXX XXXX, US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX US DEPARTMENT OF EDUCATION : # XXXX 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 15 U.S.C 1681c. ( 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear GLOBAL LENDING SERVICES LLC, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : GLOBAL LENDING SERVICES LLC, dated XXXX Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. Should you fail to comply with this request within 15 days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Missouri Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same 15-day timeframe. Please confirm in writing that the inquiry has been removed and payment will be made. Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

It is for a bank account I had I was evicted from my apartment and my personal items were XX/XX/XXXXI have no idea what happened to my account after that