23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter is to file a complaint with the Consumer Financial Protection Bureau on a strong violation of the Fair Debt Collection Practices Act. The posted collection letter I received pertains to a foreclosure that happened nearly ten ( 10 ) years ago. The foreclosure action based upon Florida statutes in essence wiped out the second position. The original creditor, XXXX XXXX XXXX, XXXX may have had a position to file a summary judgment action against me personally, but the chances of that motion being successful were highly improbable. Therefore, this entity known as XXXX XXXX XXXX, XXXX had only one process to obtain financial consideration, that method being an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act. In Federal Trade Commission v. XXXX XXXX XXXX, XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria is as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, assuming that the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
ClearSpring Loan Services does not own the debt originally procured with XXXX XXXX XXXX, XXXX. This is a fact that can not be denied. This agency never took ownership of any debt, and is operating as a debt collector for a third party, thus the Fair Debt Collection Practices Act comes into plat. Secondly, the debt information was received through a debt pool arrangement, and the fact that ClearSpring has in its possession my personal information such as my social security number is truly an identity theft matter that should be looked into more deeply by the Federal Trade Commission/Consumer Financial Protection Bureau, as well as the Office of Attorney General, state of Florida. 
I demand an immediate purge of my personal information, a statement to that effect sent directly to me and the Consumer Financial Protection Bureau, and a letter of apology that I will hear from this collection agency no further.
Product: Credit card or prepaid card

Discover Company has been constantly sending me promotions and pre-approvals. I have a good standing credit score and have been getting an insane amount of predatory pre-approvals from the aforementioned company. I have finally decided to give in and apply for their credit card to be denied. While my understanding is that the pre-approvals do not mean guaranteed approvals of lines of credit afterwards, this type of predatory marketing behavior where a company gathers data out of hard credit pulls and markets heavily only to then negatively impact the consumer is a form of undjust enrichment and goes against " in good faith business ''. I have tried reaching out to the company to contact the credit bureas to get the inquiry removed, but they denied so. In the name of the consumer financial protection.
Product: Checking or savings account

On XX/XX/XXXX, I opened an Accelerate Savings Account with Citibank, and on XX/XX/XXXX transferred {$50000.00} into the account. Since then, I have encountered a series of roadblocks that continue to prevent me from gaining access to the funds, both online and through over 10 hours on the phone with customer service. I now believe that a fraud is being conducted, based on the bank 's refusal to escalate the problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since LexisNexis is a 3rd party consumer they have to gather their information from public documents. XX/XX/XXXX, The XXXX Georgia Bankruptcy court informed me they do NOT grant access to private information to 3rd party credit companies or reporting agencies. Bankruptcies include full social security  information and the XXXX  site does not provide a full social to use as a verification method. The bankruptcy LexisNexis is reporting has been disputed NUMEROUS time with all 3 credit reporting agencies over the course of 4 1/2 years, since XXXX. LexisNexis is reporting a bankruptcy that never stood before a judge. I never made/set up payments on a chapter XXXX bankruptcy. I have no knowledge of a bankruptcy that took place and finalized. XXXX, XXXX  and XXXX state they use LexisNexis to validate all public records such as foreclosures, tax liens and bankruptcies. LexisNexis is providing false information they can't provide me insight on if it's inaccurate and non-existing. I requested a full disclosure of my information they have on file to dispute with them directly but since this is a 4 1/2 year old issue I haven't had any break through on I'm taking this route. This inaccurate information not only violates the FCRA, but has cost my score to drop 150 pts since the day it appeared on my credit. Has made me have to have criminal interest rates, denials for apartments/homes, has made my life harder for an error on someone else 's part. I want documents of verification on the bankruptcy they're reporting belongs to me with my full social, not partial, wet-ink signatures not electronic, and proof I paid on one at some point.
Product: Mortgage

Chase bank held a $ XXXX HELOC on my house when I filed for Chapter XXXX. In the course of the Chapter XXXX the Chase lien was stripped. I am now refinancing my primary loan and received a call from the title insurance company who said they could not verify that Chase has removed the lien. I have since recontacted my attorney and collected the confirming paperwork. My attorney verifies in no uncertain terms that the lien was stripped. Chase has now agreed to a payoff of {$1.00}. So it appears to me that all this time ( about four years ) Chase has held on their books this lien on my property as an asset rather than having done the paperwork to write it off. If this a widespread practice at Chase, and I have no reason to believe it is not, Chase books are overstated and Chase is likely over leveraged. And though the {$1.00} is no big deal, why is it that there is any payoff?
Product: Checking or savings account

I was using cash app as my way to receive direct deposit, as well with paying my bills to my grandfather. Suddenly cash cash app closed my account for no reason.

I feel cash app failed to take time and measures to prevent and address fraud on their platform, leaving my account closed for no real reason. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act
Product: Credit reporting or other personal consumer reports

A CREDIT INQUIRY WAS PLACED ON MY CREDIT REPORT ON XX/XX/2024 FROM XXXX XXXX XXXX XXXX THAT WAS NOT AUTHORIZED AS I DID NOT APPLY TO THAT BANK FOR TYPE OF CREDIT CARD 0R ANY OTHER PRODUCTS THAT THEY OFFER
Product: Credit card or prepaid card

The account with CB/VICSCRT with account XXXX has been closed for so many years but I kept on seeing it on my credit report. This account has several different evaluations in each Credit Bureaus which are both incorrect. I'm not sure if the Bureaus have conducted a thorough investigation prior to reporting this account to be derogatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Navy FCU is in violation of the FCRA for reporting negative inaccurate information on my credit report. This is NOT my account and it is reporting negatively and inaccurately multiple times on my credit report. My report is showing these accounts opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and all three posts on my report have the account # XXXX
Product: Checking or savings account

I had opened my Ameris checking account back on XX/XX/XXXXXXXX  under the {$300.00} checking account bonus. The requirements for the bonus were a minimum of {$1500.00} in direct deposit within XXXX  days and signing up for online statements. I had fulfilled both requirements with a direct deposit from my job on XX/XX/XXXXXXXX  of {$2100.00} and signed up for estatements on XX/XX/XXXX. The terms and conditions state the bonus would post within XXXX  days of the XXXX  day requirement period. That would be by XX/XX/XXXX the latest. The terms and conditions stated Customers who have paid an Ameris Bank promotional payment in the past XXXX  months are not eligible. I have not received any promotional payments from Ameris within the past XXXX  months. On XX/XX/XXXX I called and spoke to representatives that stated that I had fulfilled the requirements and that a supervisor would call me to go over the details about the bonus posting. The supervisor called and stated that I was not eligible for the bonus even though I meet the requirements of the terms and conditions for the bonus.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

I did not receive the appropriate information about the debt the amount is more than what's owe and also the original creditor and the person it was sold to are both reporting which is a violation XXXX has honor finance and XXXX has XXXX XXXX   XXXX XXXX amount of XXXX dates reporting XX/XX/2018 for XXXX and XX/XX/2018 for XXXX there are many inconsistencies for these two and I've tried to get it resolved with no luck these two should be deleted for the fact things aren't adding up and also inconsistencies
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name XXXX XXXX XXXX  XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX
Product: Mortgage

I have written numerous of letter sent certified and registered mail to this servicer Rushmore Loan Management Service to provide information regarding this mortgage and the note. They refuse to give me the information I requested. Never received the original wet ink signatures only photocopies. This property was constantly trespassed on by Sheriff stating that XXXX XXXX  XXXX XXXX XXXX XXXX XXXX is trying to foreclose on this property which I didn't received a document stating that they are the noteholder or they have a contract with me assigning them as a trustee nor have right to foreclose. I never received a court date for the foreclosure or anything. Recently visit with a realtor coming to take pictures of this property which I was not aware of. My rights has been violated under the Truth and Lending Act, RESPA, and FDCPA by these people and is threating and getting out of hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/2021 I mailed out a dispute letter to dispute incorrect information such as my old address, incorrect name, and phone number off my credit report. 

I included the following information in each letter including a copy of social security and a copy of my drivers license with my current address. 

On XX/XX/XXXX I received a letter back from XXXX  stating that I had not provided my drivers license neither a copy of my social security. Which is false. I provided each documentation they stated they didn't receive. 

Equifax also sent me a letter stating that I had not applied for credit recently, that I have not used credit in the past 10 years or have I lived in the u.s. and do not have a government issued social security card.

This report is false because I have credit history, I was born in the u.s. and I provided a copy of my social security card and drivers license. 

Also XXXX  credit bureau I have not heard anything from them in a month. 

I have provided all the documentation required and I stated that they remove my current reported billing address, phone number, any names that are incorrect. 

It has been well over 30 days.
Product: Mortgage

I refinanced my mortgage, which closed on XX/XX/XXXX. My " old '' mortgage company ( Dovenmuhle loan # XXXX ) owes me {$3700.00}. They advised me that the check for that amount would be received by me on XX/XX/XXXX ( after a waiting period of 15 business days since closing ). To date I have NOT received the funds as promised. I was told that the check was " cut '' on XX/XX/XXXX. I find it interesting that the bank charges me " interest '' on monies that I owe the bank, but NOT the other way. Its mind boggling that Dovenmuehle is so arrogant. I was on the phone with a supervisor onXXXX at XXXX and she hung the phone up on me. I want my money plus interest from when I paid my mortgage installment on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Im reaching out to dispute incorrect details on my TransUnion credit report that could seriously harm my credit profile. The employer listed as " SELF EMPLOYED '' is inaccurate and does not reflect my actual employment. I am currently employed at XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute incorrect information and that credit bureaus are required to investigate and make sure everything is accurate. I believe these personal details violate that standard of accuracy, and Id like some help to finally get this sorted out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some fraudulent inquiries on my credit reports XXXX, XXXX XXXX XXXX. 
For XXXX the following fraudulent inquiries are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CIC Mortgage Credit 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 CIC CREDIT 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: Student loan

I have had student loans through sallie mae sold multiple times and now handled by Navient. Have been out of college 15 years and still have a large balance. These should have been paid off by now. When I try to contact Navient i get nowhere. 
I want to know how to get a history on my repayment and why this is not close to being done. 
Thanks you, XXXX XXXX
Product: Mortgage

In XXXX, my mortgage company ( or loan servicer, I am still confused about who is responsible ) offered to put my husband and I on the XXXX mortgage forbearance program. They did not require any application or explanation of hardship, and told me at the time that my payments would be deferred to the end of my loan. 

In XXXX of XXXX, we were removed from this program, apparently because they were unable to contact us, although I do not recall ever receiving a call regarding the matter. I received a call in XXXX of XXXX from collections, letting me know I owed {$15000.00} in back payments. Since then, I have not been able to make regular payments on my account, which has negatively impacted my XXXX XXXX and put me at risk of foreclosure, despite being able to afford/resume my payments. I am now in a XXXX process with the XXXX XXXX department with no indication of when this issue will be resolved My complaints are as follows : XXXX. I was not provided adequate documentation or explanation of what would be required to have my payments deferred, nor was a told that there was no guarantee that I would qualify for deferment. When the company enrolled me in the forbearance program, I was assured my payments would be deferred and was not told anything about the complicated loss mitigation process I now find myself in. I am now forced to share personal financial documents ( bank statements, tax returns, pay stubs ) to justify a " hardship '' that no longer exists. The process has been humiliating and I'm now faced with the threat of losing my home, a situation I was NEVER told was a risk of this forbearance program. 
XXXX. I have not been offered any method to resume my current payments while my loss mitigation application is in review. This has negatively impacted my credit through no fault of my own. 
XXXX. I am unable to get through to anyone in the underwriting department to discuss my application. They sent me a loss mitigation packet and told me to just fill it out and send it back, without explaining all the documents I needed to submit ( or how to submit them ). I was never told about the online portal ( which I found on my own ). I was told I would receive a call from the underwriting department and have yet to hear from them XXXX weeks after my request. My emails to the XXXX XXXX department have gone unanswered. 
XXXX. I was told that I have an assigned a " single point of contact '' but the number given is the general XXXX number with no option to enter an extension. I have been unable to contact this person.
Product: Mortgage

I 've contacted Bank of America several times for specific information in reference to mortgage loaner passing away without a will. I was given several steps from gathering an affidavit of heirship and affidavit of small estates from the courts signed by a judge. I 've collected all court documents and submitted all requested information however, still unable to communicate. Every time I speak with a representative, something is different. Can you please assist me or possibly direct me in the right direction?
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX and Transunion on XX/XX/2024 here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. But it has been more than XXXX days, XXXX still haven't responded to my letter. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( 9 ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Delete this account Because of Violation Under 15 USC 1681 ( a ) ( 1 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i have a XXXX credit card and i check my monthly reports on XXXX XXXX I've never been late on payment and my score went down 30 points and i don't understand why.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT BUREAUS REFUSE TO REMOVE LATE NOTICE AFTER SEVERAL ATTEMPTS MADE BY " XXXX XXXX '' SUPERVISOR  OF LOSS MITIGATION ; HE HAS SENT THEM NEW " AUD '' ON UNIVERSAL DATA FORMS, LETTERS, ETC. TRANS UNION IS NOT COOPERATING IN REMOVING THIS LATE NOTICE AFTER SENSITIVE DOCUMENTS HAVE BEEN SENT.
Product: Credit reporting

I had a XXXX XXXX Account opened in XXXX and the last time used my account before I close it was XXXX XXXX. My account was paid in full at the XXXX XXXX in VA in full. XXXX reported my account to the credit reporting agency as paid in full. How I check out my credit reports in XXXX of this year and XXXX have my report showing negative information. I called XXXX XXXX and they stated what they report is correct and that 's a false statement. Someone please help me with this case. I will take a lie detector test to show you all that my statement is true.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. I am filing this complaint against your company for the fraud you have committed against me. I did not give NATIONAL CREDIT SYSTEMS any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. NATIONAL CREDIT SYSTENS has also committed aggravated identity theft by sharing my social security number with the credit reporting agencies without my permission. No one can use my social security number but me. It was given to me by the government and no one else can use it without my knowledge or written consent. I am demanding a cease and desist of all illegal activity, any communication of this and any alleged debts until NATIONAL CREDIT SYSTEMS can provide me with sufficient documentary evidence that I gave them written permission ( a signature on a contract is not written permission ) to share my personal information such as my social security number and to report any transactions on my consumer report. If this documentary evidence can not be produced and NATIONAL CREDIT SYSTEMS continues to report transactions between my self, the consumer, and the person making the report, I will file for litigation for actual damages caused and NATIONAL CREDIT SYSTEMS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

I have filed an identity theft report with the FTC. Per 15 U.S. Code 1681c2 - Block of information resulting from identity theft : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of Furnishing this alleged debt to my consumer report as a means of coercing me to pay is EXTORTION. COLLECTION OF EXTENTIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF 18 USC 894 AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS!