23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

EOS CCA Collection Agency {$1200.00} reporting to credit bureau.which is incorrect must remove from my credit files.
Product: Credit reporting or other personal consumer reports

submitted disputes online with Transunion, XXXX XXXX and the report number for experian is XXXX on XX/XX/2025 to verify collection account with XXXX XXXX but the information comes back as accurate and verified yet the information is still incorrect. I have reached out to the company multiple times to verify debt collection and I also have yet to receive debt validation from the company or company trying to collect an invalid debt. I have attached all of the letter I have sent to debt collection companies.
Product: Mortgage

There was a hail storm that damaged my roof in XXXX of XXXX. XXXX XXXX sent me a partial check to get my roofing company to start putting on a new roof. I had to send the check to be signed by my Mortgage Company. I got it back within a week. Then I gave it to the XXXX XXXX. When the roof was completed, I sent XXXX XXXX the final bill from the roofing company and XXXX XXXX mailed me a check, I mailed the check to my Mortgage Company at the same address I did the first check. I got the check back in the mail unsigned because they changed servicers. When I called the new servicer, Rushmore Servicing XXXX they told me it might take 2 months because they didn't have all the loans installed into their system yet. I told them I could not wait because the Roofing Company needed to be paid. They said they would have someone call me. Nobody has called me. It has been 49 days as of today the roof was finished and I can not get the new servicer to answer their phone or talk to anyone again. I can not even make a Mortgage Payment to them for this month as their website isn't working. Phone numbers I call say they have a problem and can not be reached. My roofing company understands but they can not wait and said they will put a lien against my house. This is totally not my fault. I work as a nurse, long hours and can not talk at work. I get home at XXXX and that only gives me an hour and a half to work on this issue. In today 's age, this should not be happening. If you take on new loans you best be prepared to download them immediately. I should not have to deal with this stress in my life because of incompetence of the Mortgage Industry.
Product: Mortgage

I requested XXXX statements for XXXX separate loans for the years XXXX and XXXX from Wells Fargo in writing on XXXX XXXX, XXXX. Since that time, I have received letters stating that I have no XXXX for those time periods. I know this to be false because I actually have XXXX XXXX for XXXX. They also told me it would take until XXXX XXXX, XXXX to complete my request. That date was later revised to XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. This delay is causing me great harm in that it is preventing me from completing my loan modification request since I can not complete my taxes. Likewise, I am receiving notices from the IRS claiming that you have reported this income to them and that I owe $ XXXX to which I am unable to respond due to the bank 's failure to respond to my request.
Product: Debt collection

During XXXX XXXX, 2017 at XXXX ( late ) I received a threatening call from Pay Pal services regarding a credit Line that I owe with them. The guy sarcastically laugh after I complained about the calling hour. Also he constantly asked about my name and when I ask who is he representing, he hung up. I found out that is was pay pal when I call back the to that number in the morning. I also include a print screen of the phone call that contains the hour, date and specifies that is was a call received.
Product: Checking or savings account

Chase my bank has a policy of even when I have a negative balance pays charges that may come through because they were set up on auto payment and are way to easy to forget about. With every company putting these monthly subscription plans in place for everything and having a different account and password keeping track is so hard and time consuming. Well my point is that I have requested from Chase so many times that if there is no money in the account or if it is negative or overdrawn then don't approve the charges but they do not give that option no matter how many times I have requested it. It was always bank policies that if no many in account checks are not paid.

This month Chase has approved charges when my account balance is negatives for 6 times ( XXXX $ XXXX {$200.00} for overdraft fees added to the amount of the charge ) and there is nothing I can do because Chase Bank has no reason to stop doing this since it makes them so much money. I have called and sent messages to Chase. This happened to several people I know also.

Chase does this as a way to charge more and more fees and if I could I would close my bank account because it's not fair and should be banned business policy. Clearly my bank account is not working in my favor as a benefit. Chase even says that they can decide which charges to pay and that tells me that they know the balance in the account and they choose to approve the charge so they can charge fees. The check policy never allowed for a check to be approve if a negative balance on accounts. Credit card charges are not approved if over account limit. Those are common sense bank policies and I agree with. The fact that all of these transactions are electronic and processed by computers doesnt require Extra processing of each charge. 
If there is anything you or your office can do to force big banks to stop this business money grab then I beg you to do anything. This is a coordinated policy from banks that routinely have caused financial problems that force people to suffer because everyone has no choices since we need to use the banks. 
If you or your office has any questions on this please feel free to ask me. I know this is hurting people who already don't have enough money. 

Thank you for anything you can do and have done in these difficult times. 

Sincerely, XXXX XXXX
Product: Mortgage

I have today just received notice that the illegal foreclosure sale of my home on XX/XX/XXXX has been wrongfully validated by JP Morgan Chase Bank, NA. The party whom committed this illegal sale on that date is XXXX XXXX Offices, PC of XXXX, MA. I have just now spoken to XXXX XXXX XXXX XXXX and she is dis-acknowledging the law of an Obsolete mortgage. This " mortgage '' was made obsolete in XXXX of XXXX. See attached land court folder showing the Right to Cure letter dated XXXX which is more then 5 yrs past the mortgage maturity acceleration date of XXXX XXXX. Five years from that XXXX date is the new date for Maturity acceleration to make this so called mortgage obsolete. please see : CHAPTER 260 Obsolete mortgages Section 33. A power of sale in any mortgage of real estate shall not be exercised and an entry shall not be made nor possession taken nor proceeding begun for foreclosure of any such mortgage after the expiration of, in the case of a mortgage in which no term of the mortgage is stated, 35 years from the recording of the mortgage or, in the case of a mortgage in which the term or maturity date of the mortgage is stated, 5 years from the expiration of the term or from the maturity date, unless an extension of the mortgage, or an acknowledgment or affidavit that the mortgage is not satisfied, is recorded before the expiration of such period. In case an extension of the mortgage or the acknowledgment or affidavit is so recorded, the period shall continue until 5 years shall have elapsed during which there is not recorded any further extension of the mortgage or acknowledgment or affidavit that the mortgage is not satisfied. The period shall not be extended by reason of non-residence or disability of any person interested in the mortgage or the real estate, or by any partial payment, agreement, extension, acknowledgment, affidavit or other action not meeting the requirements of this section and sections 34 and 35. Upon the expiration of the period provided herein, the mortgage shall be considered discharged for all purposes without the necessity of further action by the owner of the equity of redemption or any other persons having an interest in the mortgaged property and, in the case of registered land, upon the payment of the fee for the recording of a discharge, the mortgage shall be marked as discharged on the relevant memorandum of encumbrances in the same manner as for any other mortgage duly discharged. 

THIS 'MORTGAGE ' is obsolete under this law being that there were not extensions to it since the forged falsified initiation on XX/XX/XXXX. 

This sale MUST BE DISCHARGED/RESCINDED AND THE 1099-A corrected to zero!! see attached land court folder
Product: Credit card or prepaid card

I have a Chase credit card, the one through United Airlines. I pay off my balance every month but it appears that Chase is penalizing me for this. On Monday XX/XX/XXXX, one of my children attempted to make an online purchase and said the card was not working. I called Chase and was told that I had hit my credit limit ( $ XXXX ) on Monday XX/XX/XXXX. They said if I made a payment to bring my balance below the limit, my card would be available for use again in 1-2 business days. I therefore paid directly online on Monday XX/XX/XXXX and the money was taken directly from my checking account at XXXX XXXX on XX/XX/XXXX. My son in southern California tried to use the card and was declined so I called today. I am now told my card is on hold for at least a week because I paid too much money. They said that when someone pays an amount that is close to their total credit limit they have a policy of putting the card on hold for a week. Since I paid off my balance, there is no legitimate purpose to putting my card on hold. This policy appears designed to punish people who pay off their balance each month, so that Chase can deter cardholders from doing so ( and can collect interest on balance that carries over ). I spoke with two account supervisors ( XXXX and XXXX XXXX who did not help me and said they had no power to override the hold.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I signed up for Remitly to transfer money to a person in the XXXX XXXX. I completed all the requirements and was granted access. 
I proceeded to submit one transaction and it went through OK. Then I proceeded to submit a second transaction to the same recipient, and was told that this looked like a duplicate, I clicked the option : Ok, go ahead, as I was aware and OK with the transaction. 
The app took longer and I got a message that the transaction was under review. 
An hour later it was declined so I proceeded to contact the Remitly customer service. 
They told me my account was locked as there was a violation to their terms. 
SO I asked what kind of violation was that, and they kept saying that due to security policy they could not tell me. I told them it was my right to know what was the violation I was being accused of, but they never responded. 
I asked to talk to a supervisor, and they told me all supervisors were busy and they will take hours or days to talk to me (!! ). 
I asked to open a review on my case, which they said they did and that within an hour I would receive an answer, of course, I never did. 
I called today, XX/XX/2022 and was told that they decided to keep my account suspended and no more information could be provided. 
I'm worried this company has my data, and that it is my right to be informed of why an action has been taken on my account. 
My name is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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

i I have tried to Disputed this {$94.00} collection of a medical bill with Equifax. I never recieved a bill at my home address or through my Medical insurance. I've been trying to get them to validate this debt XXXX and XXXX have deleted it from my credit report because this debt has never been validated. There website never let 's you check the status of the dispute when they give you a solved dispute conformation number so frustrating dealing with this bogus {$94.00} dollar debt that I never recieved any bill for. This is debt that easily could have been paid or made payment arrangements on I would not let a {$94.00} medical bill go to collections that's ridiculous I would just like for Equifax to do what's right and remove this from my credit report to whom it may concern thank you for looking into this situation for me.
Product: Credit card or prepaid card

On XXXX the XXXX I receive and email from 'Discover Card telling me that I have no more credit card with them! I have always pay on time! And have not miss and payment! 

I call on XXXX the XXXX and talk to Manager XXXX XXXX and she didn't care about if I was good customer with them! I feel I was treated very badly! To come and just take my card from me! Is so wrong!
Product: Debt collection

I have contested this companies alleged " Re-collection '' of this debt they allege I owe to no avail! Although I was once living in the community that they site as the " original creditor '' I do not have any such balance owed and have asked numerous times for them to furnish documents with legal proof and signed documents and/or court case records were I was taken to court in regards to these delinquent payments. 

This housing facility is using unfair tactics to collect debts not owed. And not providing as the FCRA REQUIRES proof of the debt owed and accurate dollar amounts if any! Along with falsely reporting inaccurate information to the Credit Bureaus which is a direct violation of the Fair Credit Reporting standards and ethical practices outlined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are both reporting an old XXXX XXXX account in the status area as a charge off. The account was paid in full. The creditor XXXX XXXX has provided me with a letter that reflects that this account is paid in full and is not a charge off. I have tried to dispute this with both credit reporting agencies and upload the letter I received from the creditor that reflects the status is not a charge off. But I get an error message and it will not allow me to provide the documentation directly from the creditor. The creditor XXXX XXXX has also advised me that they have requested both Transunion and XXXX of this, but there has been no change in the reporting as of XX/XX/2021. I dont understand why both Transunion and XXXX will not correct the inaccurate information being reported on my credit reports. Especially with a letter request directly from the creditor and the creditor reaching out to both reporting agencies advising them that the information being reported is incorrect This inaccurate information has caused direct financial distress.
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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  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

XX/XX/24 Subject : Opt-Out Request Pursuant to 15 UCC 6802 Dear Mercedes Benz Financial Services , I, XXXX XXXX XXXX am formally submitting this letter as an Opt-Out Notice pursuant to 15 UCC 6802. I am aware that Mercedes Benz Financial Services is not officially affiliated with any credit bureaus. However, if personal information and transaction history are being reported to credit bureaus, I insist on opting out of such information sharing. According to 15 UCC 6802, there is no exception to this opt-out request. I demand, unequivocally, that you immediately cease any sharing of my personal information with third parties in accordance with the mentioned statute. This is not a mere request but a formal demand based on my rights under 15 UCC 6802. I appreciate your prompt attention to this matter and expect confirmation of my opt-out status within a reasonable timeframe. Kindly provide written documentation confirming the fulfillment of this demand at your earliest convenience. Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off two student loans and paid off two credit card completely. Equifax dropped my credit score over XXXX points, before it reported the XXXX balance on the accounts. My credit is reporting addresses that dont belong to me. Every other credit bureau increased my score but Equifax will not increase it at all. I strongly believe Equifax is discriminating against minorities, by dropping scores.
Product: Debt collection

Collection Agency of Credit Bureau of Lancaster : I Had a dispute with insurance coverage between an in network and out of network issue that delayed my payment and caused it to be reported to the Credit Bureau of Lancaster. After the insurance issue was settled, I logged onto the credit bureaus web site to make payment, however, I did not have an account number since I was never mailed anything. I called the credit bureau to obtain this account number. I advised them that I needed the account number to make payment. I was advised that the call was being recorded. I informed them that I did not want to the call recorded and that I just wanted to have my account number. The call was already being recorded without my permission. I advised them I did not want it recorded and they advised me that they refuse to speak to me and provide me with my account number to settle my debt without the call being recorded. I am a recently retired XXXX who is well versed in the Pennsylvania Wiretap Act. I proceeded to advise them that this was unlawful under that act and was a felony to record my voice without consent. I am wanting to pay this medical debt that should have never been sent to collection in the first place pending resolution with the insurance company, however, because I did not want my conversation recorded, I have been refused the info I need to settle this debt. This illegal conduct needs to be addressed and criminally investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres is a XXXX  account that has a balance of almost {$25000.00} show on my credit bureaus and is showing delinquent and 150 days past due. Ive never had any knowledge of this account ever yet I been in contact with XXXX  and even issued police reports and they want to hold me liable for this account. 

I never benefited once from this account or have any knowledge for why it was being used till it reported to my credit. I been trying to fight this for a year and remove it off my credit but XXXX isnt helping me at all to remove it. 

This is horrible that my credit has been ruined over this credit card thats not mine and i sent plenty of proof it wasnt mine nor opened by me yet XXXX wont listen
Product: Mortgage

Closing Date. XX/XX/18 Settlement Agent. Smith Cavin & Corbin , LLC File # XXXX Property. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Seller : XXXX XXXX XXXX I'm filing a complaint regrading the monies awarded to the realtors by the settlement agent. Each realtor was to receive {$3100.00} according to the Closing Disclosure and a verbal agreement. Instead the realtors, XXXX and XXXX XXXX XXXX received {$6300.00} each. We tried contacting the parties involved but haven't received a response. We agreed to 6 % commission to be devided between the two realtors. At closing the settlement agent changed the amount agreed upon without our knowledge. Neither a final Closing Disclosure or an admendment were forward to us.The settlement agent also informed us that we didn't have to be present at closing. My mother recently relocated to Delaware due to medical conditions. I would appreciate CFPB looking in this serious matter. Thank you. 


Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FRCA :605B ( 15 U.S.C. -1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, innacurate, and false information consists of a personal credit card opened at XXXX XXXX XXXX XXXX XXXX XXXX  opened up XXXX XXXX under account number XXXX a Mortgage opened up at XXXX XXXX XXXX on XXXX XXXX under account number XXXX an collections account opened XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXXXXXX ) on XXXX XXXX under account number XXXX for a balance of XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.I 've attached a list of collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. FAIR RESOLUTION OF THIS ISSUE would be removing these accounts of my consumer report. I request, pursuant to FRCA 605B ( 15 U.S.C. 1681C-2 ). that the EXPERIAN, credit reporting agency block all of the accounts, collections, hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX