23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my local bank, XXXX in XXXX, AZ, sent requests on my behalf to 2 banks, XXXX XXXX XXXX XXXX, and Truist Bank XXXX XXXX XXXX XXXX. in XXXX, FL, to transfer IRAs from those banks, so that I could get better interest rates and consolidate small IRAs.. Within 2 weeks, XXXX received a check from XXXX and I was able to put those funds in a XXXX IRA on XX/XX/XXXX. After a few more weeks of no transfer from Truist, I called their general # and was told that the XXXX branch probably misplaced the request. They contacted the branch, and told me to have XXXX resend it, this time with " Attention : XXXX XXXX '', which I did. Almost 2 weeks later, still nothing, so this time I called the Truist XXXX branch and spoke with XXXX XXXX. She said this " wasn't on Truist '' that the requests weren't getting to someone who would take care of them. This time, she asked that I have XXXX fax the request, which I did the next day. This was the XXXX time I had to go to XXXX and re-sign the requests. They didn't have a fax but I called XXXX again and she said they could send it to her email, which they did. The next day, XX/XX/XXXX, I got a voice-mail from XXXX saying XXXX had " received the IRA transfer XXXX paperwork '', that she had forwarded it to their " IRA team XXXX and that it would " take up to 3 business days '' for the transfer to go through, and that there would be a {$50.00} IRA transfer XXXX. I saved the voice-mail and will gladly share it. Again, nothing happened for weeks. I called the Truist XXXX office yesterday, XX/XX/XXXX, and asked for the IRA team and was told they didn't have XXXX. XXXX called me back later yesterday and said they had requested paperwork from XXXX, which made no sense, since she had already said in her voice-mail that they had received it. When I said I was going to lodge a complaint, she asked sarcastically " Do you even know how to make a complaint? '' It is obvious to me that I'm never going to get Truist to transfer these XXXX  to my local bank. Please help.
Product: Credit reporting or other personal consumer reports

I filed a complaint with XXXX XXXX XXXX XXXX about inaccurate reporting with my lease. Their response on XX/XX/XXXX was that they were going to remove all late payments for my account that was paid in full in regards to the lease payments. ( Please see the attached response ) Chase Auto has refused to do this instead they reported to the financial bureaus that I was late for XX/XX/XXXX and XX/XX/XXXX. Now, I am listed as 60 days past due on my credit report. The lease was paid in full and I am in ligation for the end of term bill which XXXX XXXX stated I wouldn't be responsible for. However, that end of term bill has no bearing to my lease payments which were paid on time and in full which was acknowledged in their response. I sent a request to chase auto directly on XX/XX/XXXX after chase auto once again reported me lated in accurately. I spoke with XXXX agent number XXXX and Escalations supervisor XXXX ID # XXXX. They both refused to provide me proof of payment history that my lease was paid in full. The kept saying it wasn't because of the end of term bill which has no basis on my lease payments which are reported to the credit bureaus monthly. This again against the fair credit reporting act, which says all information reported must be accurate and reflect correctly an account status. 

Chase Auto has violated their response issued to to the CFPB.
Product: Debt collection

On XX/XX/XXXX I received a letter from Covington credit about repeated attempts to collect a {$160.00} payment. They say they have been calling everyday for weeks to collect payment. They also say if I dont pay them soon further action will be taken whatever this means. This abusive debt collection experience has affected my health and caused significant damage to financial and credit account history. My financial and credit accounts at XXXX XXXX have been closed due to significant debts already owed. I am having to support myself and my family and put food on the table. My parents can not afford to buy food and pay their bills. Therefore I am having to help them pay for food and other items. I also owe other lenders and bills so I am trying to pay those and whatever I can. However Covington credit can not establish some sort of payment plan that is affordable. They only provided one instance where they accepted partial payment. If they can do that then something could be arranged to repay the loan taken out in XX/XX/2022.
Product: Student loan

Fed Loan Servicing is my lender or I thought they were my lender. This company solicited me online and I electronically signed documents online. Needless to say, I discovered that they are a third party and that all the payments I made never reached my loan! I called them to request a copy of my promissory note and they told me that they received a certification from the original lender about the amount due. I then sent them a debt validation letter via certified mail on   XXXX   XXXX  , 2017, formally requesting the promissory note so that I can determine the amounts due, the interest rate used to calculate the amounts, etc. Till this date, I have not received any documents from this company regarding the promissory note and/or payoff they must have received from the original lender. It is impossible I owe the amount they state. I need to see my original promissory note and all subsequent notes and/or forbearance paperwork. I need to calculate the amount owed myself. I am an   XXXX   and my  XXXX  have  XXXX . I have been working in the   XXXX   field for twenty years.
Product: Debt collection

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXXBRIDGECREST FINANCIAL. The very next day I had to take the car to a XXXX dealer to get them to fix the transmission. A few months later the car was repossessed by XXXX/BRIDGECREST FINANCIAL. The car was sold at auction shortly thereafter and XXXXBRIDGECREST FINANCIAL sent me a notice of deficit after the auction sale. Being unemployed and homeless I did not have any funds to pay the deficit. The balance remaining after the sale of the vehicle at auction was approximately {$5000.00} This company XXXX XXXX XXXX purchased the debt from BRIDGECREST FINANCIAL and is now trying to collect {$17000.00}. They have added excessive and burdensome fees to the original debt and refuse to give an accounting of where the additional $ XXXX is coming from. Why is this amount so high? What are the hidden fees? Why are they charging three times the original debt? They have refused to provide me with a detailed accounting of where these charges are coming from. 
XXXX XXXX XXXX is now trying to collect {$17000.00} for a car that BRIDGECREST FINANCIAL sold at auction 5 years ago. BRIDGECREST FINANCIAL DELETED THIS ITEM FROM MY CREDIT REPORT and now XXXX XXXX XXXX is trying to collect a debt on a car which I no longer own for an amount THREE TIMES the original debt with absolutely no accounting of where these charges they claim I owe is coming from. THEY ARE TRYING TO COLLECT {$17000.00} for vehicle that was repossessed and sold 3 years ago. The vehicle was valued at {$5800.00}. They have not provided a detailed breakdown of how they arrived at {$17000.00} due and owing. 

I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX  '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting or other personal consumer reports

My information has been impacted and compromised by the current FBI an DHS data breaches. I believe that my information may have got into the wrong hands and again compromised. I have contacted all credit bureaus and been trying to rectify this.

According to the Fair Credit Reporting Act it is my right to have fair and accurate credit report. Please investigate and delete the below " Hard injuries '' from my credit report.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

So since last year this company has not only contacted me at bad times and even contacted me while I was in a funeral but Ive told them countless amounts of times to stop contacting me that this repetitive behavior is unlawful and they still contact me and I need this XXXX stopped. I dont work I dont have a way to pay this supposed debt off so they need to stop this XXXX. 

They claim I have an account with them with an unknown address so idk what this scam XXXX is but it needs to stop
Product: Debt collection

My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against Paramount Recovery for committing identity theft. I have never given ( Paramount Recovery ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from ( Paramount Recovery ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( Paramount Recovery ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Paramount Recovery ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Paramount Recovery ) continues its collection efforts, I will file for litigation for actual damages caused and ( Paramount Recovery ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$280.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a notice from PayPal that I had authorized a payment to XXXX XXXX in the amount of {$59.00}. I immediately disputed this charge as unauthorized, as on XX/XX/XXXX I had filed a claim for the same amount ( {$59.00} ) for the same merchant. As I had previously filed a claim against this merchant, It was my reasonable understanding no further charges or reoccurring billing would be allowed by this merchant. I did not receive any products or services from XXXX XXXX within the last two years, and in XX/XX/XXXX the merchant did not respond to myself or PayPal for resolution to the XX/XX/XXXX case. I do not understand why I was automatically charged {$59.00} exactly 1 year later and that there was not an administrative or technical control in place to prevent the automated transfer of funds from my debit card to XXXX XXXX when I had previously proved to PayPal I was not in receipt for any products or services offered by XXXX XXXX. I initiated a claim in PayPal resolution center for unauthorized charge on XX/XX/XXXX at XXXX EDT. I received an email that my claim was denied and closed on XX/XX/XXXX at XXXX EDT ( exactly 4 hours later ). At XXXX XXXX EDT I attempted to logon to PayPal and begin another claim. I was not able to proceed, as PayPal blocked this action, informing me I had 'already filed a claim for this purchase '. Additionally, the claims history in PayPal did not contain the historical information for my claim I had issued on XX/XX/XXXX which caused me to have to login to my email server and retrieve the historical documentation of the previous claim to the same merchant, placing the burden of proof on myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : Kikoff Lending LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Bottom Line Up Front : On XXXX XX/XX/2022, for the first time I learned that I line of credit had been opened in my name that I did not authorize on XXXX XX/XX/2022 with Kikoff Lending LLC. I need this account closed and the " delinquent '' account removed from my credit score as quickly as possible. 

My credit report showed as of XXXX XX/XX/2022 that I am delinquent in the amount of {$2.00} to this company as I have allegedly not paid {$2.00} payments in either XXXX or XX/XX/2022 and somehow have a balance of {$24.00} due. My credit score with XXXX has dropped XXXX points as a result of this " delinquent '' account that I did not authorize and had XXXX knowledge of until I noticed my dropped credit score. 

- On XXXX XXXX, I contacted Kikoff Lending via email ( the only way to contact them apparently ) and received the attached email. Reviewing almost identical summaries on the XXXX XXXX XXXX website of complaints against this company, I absolutely anticipate that I am a victim of fraud in this case. I have no username, password, or other information with which to evaluate my " account '' with this company. Again, I did not open any line of credit with this firm that allegedly builds/restores customer credit. 

- I plan to file a police report later today, XXXX XX/XX/2022. 

Any help that can provided is much appreciated regarding this issue.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i got an alert from XXXX and XXXX that a new address was found on my report I immediately called XXXX because I was thinking it was fraud when I went to dispute it was told I need to contact ACI XXXX XXXX XXXX XXXX XXXX, ( XXXX ) for an acct call Seedfi/CRB they placed an incorrect address ( XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX, I DO NOT KNOW THIS ADDRESS AND NEVER RESIDED THERE BEFORE THIS IS ILLEGAL AND MUST BE REMOVED IMMEDIATELY FROM XXXX AND XXXX CREDIT REPORT AS XXXX CONSIDER THIS FRAUD on my credit report, first of all why placing an address on my credit report when I have never gotten any debt validation for any of the following below 1. Forward Flow Agreement 2. Chain of assignment Please the attachment below Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide accurate information about your debt, including your correct address.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX Date XXXX Account Number XXXX Reason for dispute__IDENTITY THEFT Account Amount XXXX
Product: Student loan

I am an XXXX with substantial XXXX XXXX debt. I have stayed in government positions or with non-profits because of the public student loan forgiveness. 

I have had, and continue to get improper information about how to make sure my loans qualify for loan forgiveness. I still do not have the proper accounting of qualifying payments. I have worked for XXXX XXXX, a qualifying non-profit from XX/XX/XXXX- XX/XX/XXXX. I now have worked for the XXXX XXXX XXXX XXXX from XX/XX/XXXX- present. ( I am currently submitting my employment certification form from XX/XX/XXXX-XX/XX/XXXX so those may not be reflected yet. ) I can not access any of my old documents uploaded online, they do not give you copies of any emails you send to them and the only method to hold them accountable, the chat feature, has been deactivated. There is no meaningful way to track what they tell us, documents that are provided, and no method to contest when payments are qualifying. I have submitted documentation for annual re certifications, called to ensure they received it, was told it had been received and then later received notices that i never sent anything and had to put my account into forbearance. 

The misinformation and lack of accountability results in individuals staying in lower paying jobs for months or even years longer than they intended without the benefit of meaningful Public student loan forgiveness.
Product: Mortgage

In mid - XXXX of XXXX  the bank asked me to submit my contract of sale for my short sale as per their short sale process. Which I did as well in mid-XXXX  of XXXX. My last conversation with the bank was on XX/XX/year>. I was asked to call in along with an associate of a XXXX XXXX  I retained. ( I retained this company to help me get my short sale process underway, since the bank was not moving my process along ). The bank stated that this call was to verify my income so that I could move forward with my short sale process. Upon discussions with the mortgage company it was deemed by myself and my representative of the XXXX XXXX XXXX that they ( the bank ) mislead me and did not verify my income but rather stated that this conversation was not for the short sale process but rather to state that my account was delinquent and that I had no choice but to reinstate my loan and asked to pay an amount of over $ XXXX on that day to bring it up to date. I declined and stated that I was not looking to reinstate the loan but rather short sale my home as discussed with them on numerous occasions. I stated that the application had been submitted to the mortgage company as per their process in XXXX of XXXX  and to date my application had not been processed or reviewed. As of today, XX/XX/year>, I am still waiting for my short sale application to be reviewed with no communication from the bank stating as to why it has been held up. I have not received any communication of any kind, no emails, calls or letters sent to my home. As per my conversations with the debt solutions company rep I retained, the bank has continued to stonewall his request for update and review of my application throughout these several months. At this time, I am requesting that my short sale application be submitted to the short sale review department for processing.
Product: Mortgage

The bank filed to take my payment on XXXX resulting in a negative information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX