23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

i sent in debt validation on an account that was not honored and claims that i refused to comply ... they closed the account and still reporting the the credit agency this goes against my rights as a consumer..they are reporting without my permission i was not giving the option to opt out of of this there is no law to report my info to the credit agency or giving disclosure for my personal information to theses companies and XXXX XXXX XXXX all had security breach of personal information. I would like for this to be taken off my report or i will start seeking legal action. 

15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Mortgage

Planet home lending charged me approximately {$11000.00} in property tax as a part of an escrow analysis. Per the XXXX office of property assessment my actual tax rate for my house assessed at {$410000.00} is roughly {$5700.00}. Per my request they recognized this error. However, they refused to correct my escrow account to reflect this inaccuracy, and continue to charge me for a tax bill that doesn't exist. Per my XXXX mortgage payment nearly {$2200.00} of my payment went towards a fraudulent tax payment. I feel this constitutes both wirefraud and extortion as they did knowingly overcharge my escrow and have the authority to assess fines and penalties if i do not make timely payments on my mortgage.
Product: Payday loan, title loan, personal loan, or advance loan

Dailypay has access to my earned income and will not release it because i am closing my account. My paycheck is being withheld even though i dont owe them any money. Dailypay takes your entire earnings even if you dont owe them any money
Product: Checking or savings account

PNC wont allow me to share data with 3rd party apps that Ive authorized
Product: Mortgage

XXXX XXXX refinanced his and XXXX XXXX home on XX/XX/XXXX for {$100000.00} as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  then went and refinanced XXXX XXXX home again as a XXXX XXXX on XX/XX/XXXX for {$150000.00} posing as my XXXX XXXX, he has also transfered XXXX XXXX of XXXX XXXX XXXX XXXX savings account to his bank account with out her permission or her knowledge, XXXX XXXX then discovered that there was numerous bank transfers on her banking account statement, I then contacted her bank due to these transfers, as I have the power of attorney over XXXX XXXX, I had discovered that this has been going on since XX/XX/XXXX. I have made a police report and been in constant contact with my XXXX bank and I have also contacted the XXXX  regarding this matter. I am very concerned about this because my XXXX XXXX XXXX XXXX and now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have no idea what else he has done or gotten money from posing as XXXX XXXX. There was a judgement against XXXX XXXX XXXX XXXXXXXX, my father had to sign an affidavit stating that he was not the XXXX XXXX that had a judgement against him so he could refinance the home. My XXXX signed XXXX in XXXX stating that he was not the XXXX XXXX with a judgement against him, which he is the XXXX XXXX with the judgement it is for child support, so is has also falsified that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have factual documentation regarding a dispute I filed with XXXX XXXX XXXX creditor and the bureaus still do not investigate correctly to remove the Charge Off of f my credit report. I have letters from creditors that state account was paid in full closed and total loan amount paid. because they said they already investigated the issue no further action can be done.i need help to resolve this matter my XXXX XXXX has dropped substantially XXXX XXXX to the XXXX 's due to that derogatory info. My father as well is impacted on this issue because he is a co signer.
Product: Debt collection

I have no business with Receivables Performance. I called their company on XX/XX/XXXX, at XXXX, after receiving and alert from XXXX of the collection account, to inquire about the debt. I asked for them to send me verification of the debt, to include copies of the phone bills from XXXX, and their right to collect on the debt. The agent, a woman, who answered the call, informed me that her company did not have any information on the debt and could not provide me with anything i asked for. When she stated this, I asked how could Receivable verify the validity of a debt they were collecting on. The agent informed me to get what i needed from XXXX. I hung up and contacted XXXX. 
When i called XXXX, i was informed that, because i did not have a PIN, they could not mail be copies of my phone bill, despite having my current address on file ( they verified my address and phone number during the call ). The agent informed me to go into my local XXXX store with an ID to get copes of the phone bills that i was requesting. 

I do not live near a XXXX store. Furthermore, in XXXX, XXXX mailed me a phone bill. It was the last and ONLY phone bill has XXXX mailed. I have repeatedly requested, prior to my account going to collections, XXXX send me copies of what they are charging me for. 

In XXXX of XXXX, i left XXXX and went to XXXX XXXX XXXX. My number was ported from XXXX on XX/XX/XXXX. When i left XXXX, i spoke to an agent and asked what i would be charge. I was told my final bill would only include the amount for the XXXX XXXX XXXX in the amount of {$150.00} and that i would receive a bill for that. I never received a bill. I paid XXXX for my last bill, and had a balance due, prior to my leaving, of {$0.00}. 

When i left XXXX, i do believe they were still charging me for the watch line, even though the watch phone line did not work seperate ( an issues as to why i left to begin with ). That line was just assigned to the watch.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX has 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 XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

NATIONSTAR HAS BEEN FOUND GUILTY OF COUNTLESS CRIMINAL ACTS AND THEY HAVE ADMITTED THESE CRIMES WERE COMMITTED ON PAPER AND IN THE CFPB REPLIES. THIS CONFRIMATION OF MULTIPLE ILLEGAL ACTS IS UNDENIABLE AND IRREFUTABLE. 

WE WILL KEEP THIS COMPLAINT SIMPLE. ****FEDERAL LAW REQUIRES A CORRECTED LOAN PACKET ON THE NATIONSTAR / MR COOPER LOAN FOR XXXX XXXX XXXX XXXX FLORIDA ... BECAUSE LOAN FRAUD WAS FOUND IN INITIAL LOAN DISCLOSURE ... WIND INSURANCE WAS LEFT OFF ALL ESCROW AND LOAN PAPERWORK ... TO MAKE IT APPEAR THE MISLED CONSUMER WAS SAVING MONEY WHEN IN FACT THEY WERE PAYING MORE**** ***THE ATTITUDE, INTENTION OR PERSONAL GOALS OF INDIVIDUAL PERSON COMMITTING THE ACT ARE IRRELEVANT ... INTENTIONAL OR INADVERTANT ... THE LAW IS THE SAME. 30 DAYS TO CORRECT ERROR OR LOAN IS INVALID*** WE ARE REQUESTING THAT THEY PROVIDE THE CORRECTED LOAN PACKET, SIGNED BY ALL PARTIES, OR THEY IMMEDIATELY RESCIND THE LOAN AND CEASE ALL COLLECTION ATTEMPTS PLEASE NOTE THAT NATIONSTAR , XXXX XXXX, XXXX XXXX AND MR COOPER HAVE ALL BEEN AWARE OF THE FEDERAL LAW THEY ARE NOT FOLLOWING AND THEY ARE REFUSING TO COMPLY ***NEW EVIDENCE FOR NATIONSTAR*** YOU REQUESTED NEW EVIDENCE ... HERE IT IS, XXXX XXXX IS GUILTY OF RUNNING A CRIMINAL SCAM XXXX XXXX KNOWS HE HAS SOLD HOMES HE NEVER LEGALLY OWN XXXX XXXX HAS ORCHESTARTED ILLEGAL SALES USING A SCAM KNOWN AS " PORTFOLIO TRANSFER '' NATIONSTAR EMPLOYEES LIE TO CONSUMERS ON THE PHONE AND STEAL MONEY FROM THEM ON A DAILY BASIS THE LAST 2 PAYMENTS I HAVE MADE WERE STOLEN AFTER THE FREP LIED TO ME ON THE PHONE ***YOU HAVE NO CORRECTED LOAN PACKET ... YOU KNOW THIS ... GIVE UP ALREADY AND FOLLOW THE LAW!!! *** A SIDE NOTE FOR NATIONSTAR ... WE CAN EASILY PAY THIS MORTGAGE IF YOU PROVE YOU HAVE A LEGAL LOAN. SINCE YOU CAN NOT ... THE LEGAL OBLIGATION TO PROVE ABILITY TO COLLECT FALLS ON YOU. 

COMPLY ... NOW!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly a balance due of {$77000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a summary report from XXXX XXXX XXXX XXXX regarding my HELOC account. The report was run from XX/XX/XXXX through XX/XX/XXXX. It reports only ( XXXX ) payment was transferred via online banking on XX/XX/XXXX with a reporting of a {$0.00} balance on XX/XX/XXXX. No other account activity has occurred through XX/XX/XXXX. This incorrect reporting of a balance due is seriously harming my credit score. This line item needs to report a {$0.00} balance. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit card or prepaid card

Again today my payment of {$1000.00} is being held. I call number and always get voicemail and no one returns my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$170000.00} XXXX XXXX XXXX XXXX {$12000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Vehicle loan or lease

Thats on XX/XX/XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX of Toyota Motor Credit Corp a letter of Instructions attached with a Tender of payment to discharge my account. XX/XX/XXXX Toyota Executive office replied with a a letter say that they dont except Any Tender of Payment unless its US Dollars. In pursuant to House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ) XXXX XXXX XXXX XXXX. The entire taxing and monetary system are hereby placed under the XXXX ( XXXX XXXX XXXX ) TheFederal Tax XXXX XXXX of XXXX. Toyota Motor Credit Corporation has yet informed the IRS of this transaction. After doing UCC 11 search theres no actual Lien under my name or on my vehicle. The IRS informed me that this company may be doing fraudulent paper work.

This company is attempting to Extort me at this point.

I am now revoking all Powers Of Attorney, Security Interest and any other obligations I may signed or given this company. I will be attaching an official Notorized Cease & Desist letter along with a Right of Rescission letter. I no longer want to continue doing business with this company.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 30 DAYS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XXXX, XXXX, XXXX, XXXX does not accurately reflect my payment history, and therefore violates this provision. 
Furthermore, under XXXX XXXX Code XXXX and XXXX XXXX Code XXXX, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 
I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I believe XXXX have been an error or the result of such as a delay in payment processing. 
I kindly ask that you provide me with a response to this request within XXXX  days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to re-open the following claim : XXXX. 

Last year, I filed a fraud report against Chase because someone tried on multiple occasions to get credits cards under my name from this bank, but Chase kept denying this had happened. My complaint was closed after the company finally acknowledged to the CFPB that multiple applications were filed under my name and asked all three credit agencies to mask my personal data to prevent this from happening again. 

Unfortunately, yesterday ( XX/XX/XXXX) someone again tried to open a new Chase account under my name. I learned of this when my credit monitoring company ( XX/XX/XXXX, from the Office of Personnel Management ) sent me a notification indicating Chase had done another credit inquire at XX/XX/XXXXusing my name. 

I contacted Chase, but like last time, they have no records showing I have ever applied for their credit card. 

How can I get Chase to stop processing fraudulent credit requests under my name? I will never use this bank for anything, so why can they just delete all requests under my name?
Product: Consumer Loan

I leased a 2015 Subaru Crosstrek XX/XX/XXXX. Chase Auto Finance is the financial company handling the lease financing for Subaru. My contract states that my payments are due on the XXXX of each month. In XXXX XXXX I logged into the Chase Financial website and set up a recurring auto-payment of {$420.00} to be automatically deducted from XXXX XXXX XXXX checking account. I also chose the " paperless '' statement option to receive my monthly statement via email. To date I have not received a single e-mail -- or any correspondence for that matter -- from Chase Auto Finance. 

On XXXX XXXX, XXXX I received an automated phone call from Chase informing me that my payment was past due. Noting that my payments were made automatically and that I had NEVER received a call from Chase before regarding the status of my lease, I was concerned. 

I was connected to a customer service representative and was informed that my payment was 18 days past due and that I had accumulated {$200.00} in late fees over the course of the last 8 months. I was informed that EVERY SINGLE AUTO-PAYMENT I HAD MADE WAS LATE. 

I stated that : A. My contract states that my payments are due on the XXXX of each month ; B. My payments had automatically been deducted on the XXXX of each of the prior 8 months, and ; C. Inquired as to why I was hearing from Chase after 8 MONTHS of late payments? 

Chase, knowing that my payments were allegedly late, simply churned my account for {$200.00} in late fees. The representative confirmed that there were no records indicating that Chase had ever made an attempt to contact me about my late payments or the late charges that were accruing on my account each month. 

With a simple phone call, letter or email I could have simply changed the date of my auto-payment to the correct date and avoided all of this. 

I asked why would Chase 's online system allow me to set up an auto-payment that was later than the due date? The representative flatly informed that that this " is not a Chase problem, you are responsible for knowing your contract payment date. '' I asked why, if I was past due EVERY MONTH for the LAST EIGHT MONTHS did it take Chase so long to contact me about this issue? Again, I was informed that this " was not Chase 's responsibility and that contacting me at all was a courtesy. '' It is my contention that Chase knew that my payments were erroneously set up past the due date and they chose to use this as an opportunity to generate late fees on my account, period. Chase has failed to send me a single statement ( via email or regular mail ). I had not received any communication from Chase about this or any other matter regarding my account. As such, I assumed that my account was in good standing. This was all completely avoidable has Chase chosen to communicate with me about this issue. Instead, Chase waited NINE MONTHS to bring this matter to my attention. 

I have changed my auto-payment date to the XXXX day of each month to avoide further complications. This was not necessary as MY CONTRACT STATES MY PAYMENT DATE IS THE XXXX OF EACH MONTH.