23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is against the owners of XXXX XXXX, JP Morgan Chase bank one the company falsie states i owe them for a charge of XXXX dollars when i asked during the month of XXXX to cancel and not renew my car insurance. instead their representatives denied canceling service, denied allowing me to not end my renewal and continued on without my authorization or consent to charge my bank account and debit monies out of my checking and credit cards. without authorization. 

I have sent a dispute in this matter. I have had to go through a serious medical issue and being told I had to keep my service with XXXX  because of lies and XXXX reasons is unacceptable all monies I gave this company are considered to me illegitimated for whatever services they claim to gave. 

JP Morgan Chase bank and XXXX XXXX own me for everything they took from me from their lying service and denying me the dignity and respect to leave their service during a critical medical issue and time of my life. 
their XXXX and need to be charged for discrimination and XXXX.
Product: Credit card

I have a Capitol one XXXX XXXX XXXX XXXX XXXX. All of a sudden I receive a charge for {$85.00}, charged to that credit card. I simply proceeded to pay it, because they claim that there was involved a late fee charge. 
T original charge was XXXX dollars plus {$29.00} late fee, and also an interest charge of {$1.00}. 
When I realized that I didn't authorized the charge, then I call to claim, and the person that I speak with, just gave me pointless justifications. I ask him to allow me to speak to a supervisor, and he refuse to do so. 
Button line, I never authorize this charges, I was charged late fee, and interest, on something that was an agreement between Capital One, and XXXX 's credit card, without my consent.
Product: Credit reporting or other personal consumer reports

XXXX is reporting two XXXX XXXX Accounts as charge off on my credit that's impacting my credit. 

XXXX XXXXXXXX Account Under the fair Credit Act Law under section 604 15 USC 1681b FCRA 604 [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ). In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

(

2 ). In accordance with the written instructions of the consumer to whom it relates. ( 3 ). To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of the consumer, or
Product: Mortgage

I have my mortgage through U.S. Bank. I am a victim of Hurricane Ida. U.S. Bank is refusing to release the money from my insurance company that I need in order to make repairs on my home. To date, they have only released approximately {$40000.00} and are refusing to release the remaining {$28000.00} - I have over {$300000.00} in damages. They have intentionally misdated letters I sent to them to avoid violating their own deadlines. I have sent them numerous invoices and proof of payments they requested ; each time they mark them as inactive to pretend they haven't received them. Each and every time I call, they allege that they have received no documentation that this is a partial settlement ; my attorney has sent them the same paperwork requested on three separate occasions now. On XX/XX/XXXX, I was finally introduced to their portal, and was told to upload all of my documentation along with a letter requesting the release of remaining funds. I immediately did as instructed ; they marked the letter as inactive. I resent the request on XX/XX/XXXX ; they moved the received date to XX/XX/XXXX, acknowledged it was a letter requesting the release of funds, then moved it to inactive. I resubmitted the same letter again on XX/XX/XXXX ; again it was moved to the following day. When I called, I was told that they have two business days to make a decision. I called and they told me they hadn't received the results of the VIRTUAL INSPECTION they performed on my roof- the one where I walked around on the ground around the perimeter of my home while they snapped pictures- so they couldn't release the funds. I called the next day and was told they would escalate it to a Supervisor. I called again on XX/XX/XXXX and requested to speak to a Supervisor ; they put me on hold for over an hour and refused to allow me to speak with someone. Every time I call, they make up some new excuse as to why they continue to hold onto my money that they're accruing interest on. Their failure to release the remainder of funds is causing additional damage to my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Bank account or service

B of A misleadingly claimed, and used fraudulent software advertised in Court exhibits that were purported to " XXXX '' and " XXXX '' overdraft fees. They settled the lawsuit for XXXX, but continued using the same fraudulent software. 

They also enticed customers with false sense of assurances, cited in XXXX once as saying, by their XXXX, " We are no longer having overdraft fees. " I have been changed overdraft fees of {$10.00} and then {$40.00} for {$1.00}, {$1.00}, {$1.00}, etc., etc, etc. This is clearly an indicator no lawsuit is big enough for them to not write it off as the cost of doing business. They literally make money by extracting funds from people who have no money. And XXXX, in their industry, sum in overdraft fees alone, each year. I wo n't get into how they do it, as it 's complex enough as it is for this box, but, it 's downright fraudulent.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : 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 an 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these items ASAP.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) CoMMUnication WitH tHe conSUMeR XXXX Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) CeaSinG coMMUnication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

( Pub. L. 90321, title VIII, 806, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877. ) I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists pursuant to 18 USC 8, L owe no debt, this company is violation my consumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814 .
Product: Debt collection

Every morning Monday through Friday I receive at call at or around XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX at XXXX XXXX. Monday XX/XX/XXXX I was called at XXXX. Tuesday XX/XX/XXXX I was called at XXXX. I had called them near noon multiple times and told them that they are not allowed to call me before XXXX. They immediately ignored my complaint and began trying to argue that I need to verify and set up a payment plan. The company name is Diversified Consultants.
Product: Credit reporting

Equifax has locked me out of on line disputes. The only explanation I get that an account number associated with my social security number is verified as my account. I have sent court documents that verifies that this mortgage loan belongs to XXXX XXXX. I have never had or filled any paperwork for an individual account with XXXX XXXX. It has been 6 1/2 years and I have disputed it since this company started reporting erroneous information on XXXX Equifax Credit Report. My last document XX/XX/XXXX is a District Court document showing case information, cause number, defendants, when it was filed the docket type, ( several defendants due Texas laws that if a person dies without a will property will be divided between children and spouse. ), case history by date, and an agreement that case is disposed due to estate has no value. It is unbelievable that the credit agency that destroys the ability to get a job, car, or home will take information from some company or person that could realize or not know the major impact erroneous negative reporting does to families. For me how does a company override court documents that clearly identifies that XXXX XXXX has not owned or a part of this mortgage loan since XXXX/XXXX/2013. That the case has an agreement and the estate has no value and it is disposed. If someone could let me the details of how a company can report when they are not involved and how they can report since there is an agreement.
Product: Debt collection

JVS Group based in XXXX, Texas continues to violate the Fair Debt Collection Practices Act ( FDCPA ) .They continue to report an erroneous collection on my credit report ( XXXX ) and continue to fail to communicate with me after 3 attempts to notify them by US Mail. They are in clear violation of Statue 809, validation of debts. 

I have requested to furinish the name and address of the Original Creditor in all XXXX instances and all XXXX are now over 30 days without any response or communication. Additionally, I also disputed directly this erroneous trade line with XXXX only to come back as being " verified '' when in fact JVS as not supplied XXXX or myself what I requested within 30 days of the law. 

Additionally, this erroneous collection trade-in appeared without JVS giving myself any warning nor any opportunity to notify me that I have the right to dispute any debt. 

Additionally, they are also violating the Texas Debt Collections Act State Statue 392.304 number 4. 

Not only have they not communicated with me within the 30 days allowed by law, they have never notified me once nor within 30 days after request by mail, who the original creditor, amount owed is. 

As of Tuesday XXXX, XXXX, 2016, I have also file a complaint with the Federal Trade Commission and the Attorney General Office here in Texas. 

I have consulted with an Attorney and will file both a State and Federal lawsuit if this erroneous collection trade-line does not get removed from my credit file by close of business XXXX XXXX, 2016. At minimum, either myself or my attorney must have a AUD showing the deleting of this erroneous collection trade-in. 

Please let it be know that this also has caused massive financial harm which is another violation of not only the FDCPA but also the Fair Credit Reporting Act ( FCRA ). 

They have been warned and will be receiving complaints from addition regulatory agencies. 

Respectfully, XXXX XXXX XXXX
Product: Mortgage

I applied for a loan modification via FHA due to illness. 

I was approved. The problem is FREEDOM MORTAGE is supposed to update the lender. I found out via phone call on XX/XX/20 that I made, that the approval was completed on XX/XX/20. 

Freedom Mortgage is required by law to send pending lenders of modification an update via first class mail every 8 days. The agent I spoke to at Freedom Mortgage told me this was required by law. 

The last notice I received in the mail stated : we are doing a title search -- there is nothing more for you to do. 

They did this intentionally so that you fail or really struggle with the trial period. 

To date, I have NOTHING in writing about the payment, the new loan, rates, etc. etc. 

I called on XX/XX/XXXX to make this complaint and Freedom said, NO too bad start on XX/XX/XXXX anyway. 

I sent an e-mail to Loss Mitigation on XX/XX/XXXX asking for the XX/XX/XXXX start ( due to not notifying me ). 

I called today and Freedom will not do it. 

This is against the law. 

XXXX XXXX Loan Number XXXX
Product: Credit card or prepaid card

Capital One approved me for a credit card and I paid for an entire 12 months 1 year never missing a single payment, nor was I late. Then I had a payment set up for that 13th month and my bank account at the time sent me a new debit card with a new card number. 

In the interim capital one try taking out their payment and since it wouldnt process because it was canceled due to me needing a new debit card, they immediately said I was being fraudulent didnt email didnt message didnt call didnt ask and just completely close my account, causing my credit to be bad After a year of being loyal and paying every XXXX on time they didnt notify me and then they expected me to pay all the fees on it every single month so every month there forward they charge the fee of me not paying on time {$35.00} and then every month there after I just dont feel like they should be able to abandon me in my loan or ask questions not care And just close it whenever they feel the need when I did nothing wrong Then, because what had happened I was continuing to inquire of funds, and there was no way I was paying it I shouldve been sent a bill from the day with how much I owe Old. They should not be able to close my account not let me use it, but then keep it open for them to charge fees for months. I disputed it a bunch of times and nothings happening so it looks like Im going to take him to court, but they cant close peoples accounts, but keep it open for their own purposes is greedy is wrong.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and previously informed your agency on XX/XX/year> about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items. 
" Please see and review the attached file for what I am complaining about. Initiate immediate actions for this. thanks
Product: Money transfer, virtual currency, or money service

I made a couple of purchases of bitcoin through Coinbase 's  buy/sell feature and deposited to my Coinbase bitcoin wallet. My coinbase bitcoin wallet available balance reflects the amount of the deposits, however, I am unable to do anything with them. Initially Coinbase support told me that they just had to make sure the transactions cleared my bank. According to my bank the transactions have cleared. However, I am still unable to access my Coinbase bitcoin wallet for sending my bitcoin. Furthermore, now Bitcoin support is telling me it will 57 days before I will be able to do anything with the bitcoin in my wallet. They won't give me a reason other then they need to wait until the transactions have cleared my bank. When I phone them and tell them ( again ) that the transactions have cleared my bank they say there's nothing they can do - unacceptable. When I email them and tell them the transactions have cleared my bank with pictures showing proof of the cleared transactions, I get no reply from them. I've tried to close my account and have all funds transferred to a different wallet provider, however, Coinbase will not let me to this either. I basically consider them as having stole my money for 57 days or longer if they so choose. I wish I had researched them better before I decided to do " business '' with them.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date XXXX XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect reporting has caused me to be denied from this credit card and TransUnion is not reporting my actual score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 30 days ago I sent a late payment dispute to all three credit reporting agencies, and I have to get receive a response of the INVESTIGATED REPORT. My report was updated as accurate without providing to me any proof. I was never notified in orally, in writing, or electronically of such claims. There is no such thing as a late payment pursuant to the TILA under 15USC 1666b. I demand to know in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Failing to provide details within 15 days is another violation of my consumer rights under the FCRA. If you could not provide such information DELETE this inaccurate unfair reporting. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX