vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: IN

Complaint narrative:
I request that you provide the following documentation to verify the legitimacy and enforceability of this alleged obligation. 
Requested Documentation 1. Certified Copy of the Original Promissory Note A true and complete Certified Copy of the original promissory note bearing my signature, which forms the basis of this alleged debt. 
2. Full Chain of Title ( Proof of Assignment ) Documentation showing all assignments or transfers of this debt from the original creditor including dates, endorsements, and all intermediary parties involved. 
3. Full Statement of Payment History, including : A detailed history of the account Dates and amounts of each required payment. 
Payments made, their application, and any penalties or interest charged. 
A detailed calculation of the outstanding balance.

4. Start Date of Delinquency The specific date when the account allegedly became delinquent, and an explanation of how delinquency was determined.

5. Name and Contact Information of the Original Creditor The name, address, and contact information of the original creditor, along with the date this debt was incurred. 
Legal Basis for My Request Promissory Note Requirement : Under the Uniform Commercial Code ( UCC ) Article 3, the party seeking to enforce a negotiable instrument ( e.g., promissory note ) must provide proof of possession of the original instrument. 
Case law : XXXX v. XXXX, XXXX XXXX XXXX ( XXXX ) established that the promissory note is the principal obligation, and without it, the mortgage or security interest can not be enforced. 
Chain of Title Requirement : Courts have held that an unbroken chain of title is necessary to prove standing in debt collection or foreclosure cases. 
Case law : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ) invalidated foreclosures where lenders failed to provide documentation showing they were the rightful holders of the loans. 
Debt Validation Requirement : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of this debt, including the identity of the original creditor and evidence of the amount owed. 
Important Notice Debt collection activities must be suspended until this debt is validated, as required by 15 U.S.C. 1692g ( b ).

Failure to provide the requested documentation may be a violation of federal and state consumer protection laws and could result in further legal action or complaints with regulatory agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello I am writing this letter to notify the credit bureaus of these fraudulent accounts that I never open. I am a victim of identity theft. Also, my identity was stolen for personal gain. Please delete all fraudulent accounts listed below. 


Account name Account number XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX  XXXX {$740.00} XXXX XXXX XXXX XXXX. {$1200.00} XXXX XXXX XXXX. XXXX {$770.00} XXXX XXXX XXXX. XXXX {$1300.00} XXXX XXXX XXXX XXXX  XXXX {$630.00} XXXX  XXXX {$10000.00} XXXX  XXXX XXXX XXXX {$500.00} XXXX  XXXX XXXX {$790.00} XXXX  XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX  XXXX {$740.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX  XXXX {$2900.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc.
State: FL

Complaint narrative:
I am disputing a debt that has been reported by a collection agency for my XXXX credit card account for {$870.00}. I have requested validation of the debt, but the collection agency has failed to provide the required documentation. Additionally, I do not believe the debt is mine, as I have no record of owing this amount or any activity on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My identity was leaked throughout the dark, web birth certificate, Social Security card and drivers license. Ive had a person on multiple people, pretending to be me in multiple states.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Madison Atrina LLC
State: CO

Complaint narrative:
I was threatened by the CEO that they would cancel my loan XXXX hours before we were scheduled to close. 

As mentioned in a previous complaint, everything was in great shape for our closing up until about 24 hours prior. Unfortunately, things went south and I attempted to contact District Lending to no avail. I then sat down and wrote a negative XXXX review primary to get attention. Later that evening, I was finally contacted by someone at District Lending. That conversation went like this : District Lending Rep : Did you post a negative review on XXXX about us? 

Me : Yes, I did. I had no other way to get your attention. 

District Lending Rep : Our CEO told me that if you do not take the review down, we will cancel your loan.

The CEO threatened to CANCEL OUR LOAN because I wrote an accurate ( if not negative ) review about his company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
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.

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
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.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My SEP-IRA account was liquidated on XX/XX/XXXX without my explicit approval. My Roth-IRA account was closed on XX/XX/XXXX without my explicit approval. A check for my Roth-IRA was XXXX to me after 10 % penalty was imposed. Then I realized something was wrong with my account. 

The liquidation of my SEP-IRA led XXXX a loss of {$110000.00} as of XX/XX/XXXX ( if restore stocks to previous shares ), and a loss of {$220000.00} as of XX/XX/XXXX. 

I contact XXXX XXXX on XX/XX/XXXX. They helped the open of another Roth-IRA and told me that the penalty could be claimed back when filing tax-return. 

They said my accounts were liquidated/closed because I did not update my information. There is no change of information from my side since last transaction. 

I also sent a complaint letter to the bank on XX/XX/XXXX, and followed up several times ( recently, on XX/XX/XXXX ). 

For my retirement accounts, unauthorized liquidation is unacceptable. My request is to recover all my stocks ' holdings/shares/positions same as that before liquidation as I neither gave my approval to liquidation nor received adequate communication and prior warnings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute inaccuracies related to closed accounts listed on my credit report dated [ Insert Report Date ]. Under 15 U.S.C. 1681 ( a ) of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and fairness of credit reporting, I am requesting the removal of the following closed accounts due to inaccuracies and unverifiable information : XXXX XXXX XXXX Issue : The account is inaccurately reported as closed and contains unverifiable information. 

XXXX XXXX XXXX XXXX XXXX The account status and details are not accurate and require removal. 

XXXX XXXX XXXX : The account contains incorrect information related to its closure and payment history. 

XXXX XXXX XXXX XXXX XXXX : The information provided is unverifiable and should be removed. 

Per the FCRA, I request that you : Investigate these accounts and verify their accuracy. 

Remove any accounts that can not be verified or are reported inaccurately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding my student loan account. My loans are serviced by Nelnet, and I enrolled in the SAVE ( Saving on a Valuable Education ) Plan, which was supposed to have 0 % interest accrual on unpaid monthly interest. However, despite being enrolled in this program, I have noticed that interest has accumulated on my account during the time I was in the program.

Details of My Complaint : 1. Enrollment Confirmation : I was informed by my loan servicer that my loans were enrolled in the SAVE Plan.

This program is supposed to ensure that no interest accrues on my account if my monthly payments are insufficient to cover the accruing interest.

2. Interest Accumulation : Despite this, I have noticed a significant increase in my loan balance due to accrued interest during the period I was enrolled in the SAVE Plan. 
I have reached out to my loan servicer multiple times, but they have either failed to provide an adequate explanation or have ignored the issue. 
3. Financial and Emotional Impact : This has caused unnecessary financial strain and confusion, as I trusted the terms of the SAVE program.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Payfare International Inc.
State: NC

Complaint narrative:
I signed up for a free trial with XXXX XXXX on XX/XX/XXXX. When I realized they didn't provide the service I wanted I cancelled that same day. I was given a cancellation confirmation email. In the image shown below it very clearly states cancel trial and benefits, I clicked it and was given a confirmation email. Yesterday XX/XX/XXXX I discovered that my card was charged {$99.00} for a subscription despite being cancelled. I contacted support and they told me they weren't allowed to give me a refund despite me cancelling before I was charged. I believe this company is running a scam because there are multiple complaints all over the internet about their shady business practices around subscriptions Dasher direct ( the bank I used to start this free trial ) is refusing to comply on the grounds of a fraudulent charge

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
After paying my entire balance a day before the due date, I received another interest charge of {$20.00}. 

My due date is XX/XX/XXXX. My payment was posted on XX/XX/XXXX. They told me that that was the residual interest from a previous month, which was already paid in full on XX/XX/XXXX. This company is a crook and is taking advantage of its customers. Please help consumers like me fight against big companies that abuse their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My backpack and wallet were stolen and I was a victim of identity theft. I have tried for years to get the debt removed and they will not remove it. They contort call and harass me no matter how many times I change my phone number and address. I have formed that its not my debt and this has gravely affected my life and identity. I have filed with the irs proof of identity theft and have ip pins.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
**Complaint Type : ** Fraud or Scam **Company : ** Cash App ( Square, Inc. ) **Account Type : ** Mobile Payment App **Problem : ** Unauthorized transactions/Account takeover **Description : ** " Cash App account hacked, resulting in {$24000.00} fraudulent transactions. Initial {$7000.00} refunded, leaving {$17000.00}. Reported to Cash App support ( case # escalated ) but full refund denied so far. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer science help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX JP Morgan Chase Bank Re : Civil theft from XXXX XXXX XXXX  XXXX Dear Sir or Madam I am XXXX XXXX and I am the owner of XXXX XXXX XXXX and this message is regarding your theft and/or defalcation of the sum of {$50000.00}. The events leading to this theft and/or defalcation are as follows. 
On XX/XX/XXXX, XXXX XXXX Materials XXXX opened Chase account # XXXX. On XX/XX/XXXX, XXXX empire Materials deposited XXXX  XXXX XXXX Cashiers check no. XXXX, in the amount of {$50000.00}, into the account. 
I have enclosed the copies of the companys registration certificate, the Chase depository certificate, the XXXX  XXXX XXXX Cashier 's Check, and the receipt for the deposit. 
For the XXXX months since the deposit was made, you have denied my access to my money. Chase representatives offered up a variety of vague justifications during that time as to why they refused to release the funds to me. These justifications are completely lacking in substance or merit and are purely pretextual in nature. Chase representatives have attempted to suggest that the check is somehow fraudulent ; in XXXX phone call, a representative of XXXX  XXXX XXXX was brought on the line and specifically verified to the Chase representative that the XXXX  XXXX XXXX Cashiers Check was authentic and legitimate, yet Chase representatives thereafter made more excuses and continued to block me from accessing my funds. 
Due to the lack of evidence of fraud, and the continued pretexts made by Chase representatives, your failure to release the money appears to be intentional and potentially criminal theft of my {$50000.00}. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation