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

My account with XXXX XXXX XXXX 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 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. XXXXXXXX XXXX XXXX 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: Checking or savings account

to whom it may concern, my report is showing that i owe XXXX. i never knew the account was close until i did my taxes and the account was linked to my external account and i was showing a deposit of my taxes then the next day it showed closed account... i was looking on my credit report and the person i know who has my information has accessed multiple account or issues to XXXXXXXX me over he has a restraining order in place please help
Product: Debt collection

Debt not owed have current in time coverage no XXXX owed
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Health Insurance Portability and Accountability Act of XXXX ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. 

XXXX. XXXX XXXX XXXX Under the Health Insurance Portability and Accountability Act of XXXX ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. 

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXXXXXX XXXX XXXX  [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

Transunion information of balance for XXXX 's is incorrect by there is no update by Transunion. 

I have attached letter from XXXX XXXX XXXX as {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I received through my report on XX/XX/18 XXXX XXXX and I noticed a number of unauthorized inquiries on the report and some are duplicates. 
I contacted XXXX XXXX ( 3X ), XXXX ( 3X ), XXXX ( 3X ), XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 3X ), XXXX XXXX ( 2X ),  XXXX ( 2X ), XXXX ( 2x ), XXXX XXXX, XXXX XXXX ( 2X ) XXXX XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit profile. These inquiries should only be appearing once if they are in fact valid. 
I request that you initiate an investigation into all of the above inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my disputes to be valid, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Credit reporting or other personal consumer reports

Now that XXXX has corrected the understandings that the consumer closed the credit cards with Chase that XXXX must acknowledge their faults of applying a hard evaluation resulting in lowering of the XXXX XXXX was incorrect because Chase only denied the credit cards due to previous promotional periods does not allow the consumer to open new credit cards until the waiting-period ends. 

XXXX should correct the XXXX XXXX per the Chase lowering the XXXX XXXX only upon confusion that Chase did not recognize the denial was not the fault of the consumer but only due to the promotional period hold. XXXX wrongfully believed any denials of Chase credit cards equals a lower XXXX XXXX because XXXX could not figure out why Chase would deny credit. Chase promotional credit cards would not successfully be connected with XXXX to showcase previous credit card closures was due to the consumer closing credit cards as if the consumer is trying to signup duplicate promotional plans is a fault against the consumer. XXXX credit cards should not be resulting in lowering of the XXXX XXXX if closed out and signing up for a new chase promotion would deny eligibility only because all chase promotions are connected as if there is a promotional-waiting-period to utilize Chase credit cards again. Because XXXX believes this is a XXXX XXXX conflict that the user would be wrongfully blocked from applying for other credit card applications other than chase. 

XXXX needs to correct the XXXX XXXX on this CFPB Complaint per the wrongful decline of the XXXX XXXX is only attributable to Chase promotional credit card-holding-period and not due to the fault of the credit history as if the consumer is wrong for signing up for promotional credit cards and ending the credit card after achieving the promotion.
Product: Mortgage

I was contacted by an individual claiming to work for Ameri Save, a mortgage company. The number was XXXX. I had done a few internet searches to research the legitimate mortgage companies, XXXX and XXXX XXXX. I applied to only XXXX mortgage via telephone, not an online form. Somehow my internet searches were monitored and my private phone number was mined and sold to this company claiming to work for Ameri Save.

I find this activity disturbing and the US government needs to work further to crack down on data mining for simple internet searches. I blame the government for this as much as the companies mining and selling the information.
Product: Debt collection

I literally had no idea about this debt I havent gotten any phone calls or letters about this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are incorrectly reporting a charge-off in the amount of {$17000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Mortgage

XX/XX/XXXX, my wife, who normally takes care of all household finances, was XXXX and was diagnosed with XXXX XXXX, which made her very ill for the duration of her XXXX. During this time, most of our bills were set up on automatic payments, but this Mortgage, in my name only, was unfortunately not. I take full responsibility here, I had the ability to pay, but with a sick wife and then a new XXXX at home, I fell behind on my payments. 

I have since caught up and will be making regular payments moving forward. I have been very happy with the service, but realize I was not the ideal customer and have made mistakes with the handling of the account. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/XXXX. 

I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement. I was, however, hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports. I have already contacted the Mortgage Company was told that they won't do a good will adjustment, nor are they willing to help me fix the credit history. 

Wells Fargo has also continually lied about my account status. In XX/XX/XXXX, a rep there told me I was able to make my next Payment in XX/XX/XXXX, but when I went to make the payment I was told my house had been put in foreclosure.
Product: Mortgage

CHASE BANK, LIED CONSISTANTLY TO ME. I TRIED AND TRIED AND TRIED TO HAVE THEM ASSIST ME MODIFY MY MORTGAGE, THEY CONTINUILY LOST THE PAPERWORK, AND MADE THE EXCUSE, THAT THE TIME ALOTTED TIME WAS OVER, AND THAT I NEEDED TO APPLY AGAIN. 

NO MATTER WHAT THEY TELL CFPB THEY ARE LYING TO YOU.
Product: Mortgage

I had a mortgage with XXXX ( c/o PHH Mortgage Services ) which was paid off in XX/XX/XXXX. I did not receive my 2020 year end 1098 tax form showing the amount of interest paid and the amount of property tax that was paid out of my escrow account by the mortgage company. I called them the beginning XXXX because I did not receive the 1098 form and it was not available when logging into my account on their website. The associate I spoke with was stated they would look into and get back to me. I waited a couple of days and got no reply. I called back on XX/XX/XXXX and the associate I spoke with said the form was on the account so she emailed it to me. They sent me the tax statement for the wrong year and not the XXXX statement I requested. I called back and was escalated to XXXX on their escalations team who said she would check on this. As of today ( XX/XX/XXXX ) I still do not have the 1098 statement for XXXX. I just spoke with XXXX again a few minutes ago and she said there is no update and she has no other information to provide me. XXXX XXXX direct line is XXXX XXXX. Three weeks later and still no XXXX XXXX statement!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ( bank ) has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

On XXXX/XXXX/XXXX I lost my debit card and drivers license. A week later I noticed activity on my account. I went to my bank and they filed a claim for me, cancelled my debit card and ordered me a new XXXX. On XXXX/XXXX/XXXX, I received XXXX letters stating that they had completed their investigation and the charges were valid. I called customer service and what an ordeal that was!! I was transferred around and back and forth to different departments for over 2 hours. Not XXXX rep knew what they were doing or where to send me. Finally I spoke to a manager and her said he would help me resolve this. Apparently, someone deposited fake checks totaling {$1800.00} from XXXX XXXX bank into my account. In the time that it took them to find out they were fake there were several withdrawls made, a purchase and even a fake check from my account that was cashed at an ATM that has a live teller on a screen that processes transactions. I did n't even know they had those. All of these transactions were done in XXXX. I live in XXXX and have not been XXXX. After explaining this numerous times the manager, XXXX said he would file the claims for me and get this investigated. I called today, ( XXXX/XXXX/XXXX ) to check the status and I called the phone number XXXX had given me to use. The rep told me he did n't have any claims on file. He sent me to a different department and that rep told me that my claims had been resolved and I would receive a letter in the mail. I asked her what they said and she stated that the charges were valid and the investigation was closed!! Not only has my account been compromised, I ca n't access my direct deposit from my employer because it 's gone, but there are people out there that are creating fraudulent checks and cashing them, using a debit card that they did not have a PIN to that also has a chip, and the are creating checks from my account and cashing them! Bank of America did not care that this was happening. This is the reason consumers end up paying high fees for bank services but not XXXX of Bank of Americas employees knew what to do or took it seriously. Looking at my account you can clearly see what happened if anyone took the time to look at it.
Product: Student loan

I provided account information to resolve a serious billing error ( Mohela stole my XX/XX/year> student loan monthly check payment... they cashed the check and never applied it towards my loan ). After 4 hours of on-hold, any person who answers for Mohela will take my account information and asks what is the issue. I tell them they miss-applied MY student loan to their private account instead of applying MY payment towards MY student loan ( they cashed the check and pocketed the money from my loan payment ... basic theft ). After 4-hours, the person who answered this time said she would have to forward me onto another department ( this is the code they use to place a barrower into the oblivion that is their phone/on-hold system, so they don't have to fix Mohela 's billing department errors ) . I asked the woman " how long is the hold? " ... ..Answer : " 40 minutes '' ... XXXXOnce forwarded, I found out it was 4.5-hours, which places the call beyond their XXXX XXXX XXXX EST hours of operation ... so the hold time is actually 24-32 hours long for a single call. The biggest problem I have is their phone system and getting a live person to do their job and fix what should be a simple issue to fix. As a student loan borrower who is current on my loan, and has been for XXXX, I fear giving Mohela any addtional money in fear they will simply pocket the money as pure profit and not apply it towards my loan... .meanwhile my credit report and financial future takes a beating and my student loan only grows with penalties and rate increase even though I'm making the payments ontime/everytime ... XXXX?!?!?
Product: Debt collection

Phoenix Financial Services violated the Fair Credit Reporting Act by not allowing me 180 days to make a payment on the account before reporting to the credit bureaus. They contacted me late XX/XX/XXXX to talk about settling the debt and payment arrangements which I was willing to do. I told them to contact me in XXXX to set up payment arrangements because I had just paid all my bills and I didn't have any money left. The woman agreed to contact me in XXXX. They never called. I called on XX/XX/XXXX because I noticed my credit report had a new collections account on it that significantly dropped my score. I spoke with two women who said it was their policy to report any collections account after 45 days which is totally against Fair Credit Reporting Act. This was something the First Lady never told me about. If she had, I would've tried everything to make that payment in order to protect my credit. Since they didn't allow me enough time to pay on the account, I believe they violated the applicable laws and regulations regarding debt collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). Account Names has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

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 No account number listed? ) XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Accounts above illegally obtained personal and private information and sold it to other reporting agencies, including XXXX and XXXX. I did not grant XXXX XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. As the consumer and natural person, I am invoking a specified remedy and making the following demands : -Cease and desist reporting of the account filings above. 
-Remove reporting of the account name filings above from all consumer reporting agencies you may be sharing too. 
-Attached is a CFPB Complaint with XXXX showing them deleting most of these accounts. 
-Attached is my FTC report since this is also fraud and is against the law since I have no Knowledge of these accounts. 
-Attached is my XXXX report showing most of these accounts were deleted/blocked Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA
Product: Debt collection

I paid my debt in full on XXXX XXXX, 2015, according to the balance they told me. I called them on XXXX/XXXX/2015 and asked them why they had left a message on my mothers answering machine ( my old number ) about a debt and someone told me to sign some paper and then hung up on me I received notification from a credit monitoring service they were still reporting an open collection balance of {$25.00}, as of XXXX/XXXX/2015. No one ever mentioned a {$25.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, I DON'T KNOW WHO BUT SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME, THE CHARGES THE PAYMENTS ARE ALL FRAUDULENT. I NEED THIS ACCOUNT TO BE REMOVED FROM TRANS UNION CREDIT REPORT AS IT IS ONLY REPORTING ON THAT BUREAU. AGAIN THE CHARGES, THE PAYMENTS NEVER CAME FROM ME. IF THE PAYMENTS CAME FROM A BANK ACCOUNT UNDER MY NAME THAT IS ALSO A FRAUDULENT ACCOUNT. I HAVE SUBMITTED MY FTC REPORT TO TRANS UNION NUMEROUS TIMES.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( U.S.C 1681c-2 ) that you the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I do not recognize the aforementioned accounts, collections or hard inquiries as reported
Product: Checking or savings account

I do not have overdraft protection selected on my account. Chase bank went ahead and let XXXX withdrawal automatically from the account. on XX/XX/XXXX of {$11.00}. I was then hit with a {$34.00} overdraft fee and that has now been extended to {$54.00} extended overdraft fee.
Product: Checking or savings account

I went to my bank CHASE BANK and they told me that my account was frozen. I don't have any liens, judgments or anything against me. I was not notified of this action or given any legal rights. Chase just gave me the number to a collection agency. XXXX   XXXX XXXX XXXX  XXXX. THIS IS SO WRONG. THIS IS CAUSING ME, MY FAMILY AND BUSINESS HARM. I CAN'T GET MY OWN MONEY. I HAVE DONE NOTHING WRONG AND I OWE NO ONE
Product: Money transfer, virtual currency, or money service

Good Evening, I spent a money order from myself to myself. A validation was required. The person validating this call cancelled my order because I did NOT sufficiently grovel and make nice to him. You really must listen to that conversation.

For instance, I was told, " am talking, DO! NOT! INTERRUPT! ME! WHEN! AM! TALKING! The person then kept quiet for a full 2 minutes to see if I would interrupt him. Any thing I said during those 2 minutes was met with a repeat of same words in capitalized letters.

Then the person cancelled, with glee, my order. [ MTCN ] is : XXXX Quick Recap.

Information given accurately for validation purposes was Name, Date of Birth, email. All identifying information.
Because of my circumstances, being in public, using a public phone, I had no choice to minimize the release of my personal information. That seems to be what set him forth. The idea that I will not willing yell out ( on a public phone in public ) information that can later be used to hack my accounts.

A quick change in protocol might be needed for Western Union. For instance, if the person can't say his name out loud, a choice of possible names could be read out to him. Same as birthdays. Makes no sense to release publicly the very identifying information Western Union itself guards, as a condition of using their services. Unless they believe it is impossible to find oneself in a public place needing your services?

But that still does not change the nature of the tone of the conversation and word choice, which I find very demeaning. Now, I did NOT have a phone with me, but if I did, I wouldn't have needed their services in the first place. I simply would transfer money by phone. That requirement of phones is going to make you them extinct. Used to send thousands of dollars thru Western Union, till they put a cap on amounts. And now, the very few times I use their service, I ended very upset and without the service?