23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter dated  XXXX / XXXX /2017 from CCI Contract Callers Inc. regarding referenced account  XXXX . However upon calling into the organization regarding this supposedly ( unpaid debt ) I came to find out this is a fraudulent claim after speaking with representative  XXXX  on  XXXX / XXXX /2017   XXXX   XXXX   Arizona time. After reviewing online regarding (   XXXX   XXXX   ) the supposedly original account holder. This has been reported to various other organizations as a scam with thousands of other people receiving a letter from a debt collection agency for the SAME exact amount.   XXXX   XXXX   has neither direct website nor phone number to contact the company itself. If you  XXXX    XXXX   XXXX   you will find the other thousands of complaints and reports of this fraudulent debt. We have never done business with this organization nor EVER ordered from this ( fake & fraudulent ) company. Having said all of this we are asking and hoping CFBP and assist us with getting this corrected. Per   XXXX   we are to mail a letter to them stating this is fraud. However we want to make sure this company processes this in the correct manner. We also want CFBP to know of this as it happening to thousands of other hard working Americans. The letter mailed to me has been attached for review and to make it easier to contact this particular collection agency. I have covered my personal info ( Name and address ) for protection purposes. The file number  XXXX  will pull the account with their institution.
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have deposited about {$9000.00} to Coinbase account ... but all right I can not take money back! I don't know what's going on? can you help me?
Product: Mortgage

I was given a document from CitiMortgage stating that if I made my four consecutive mortgage trial payments I would be given my modification. This started back in XXXX 2015. During my last contact with Citi I had a representative from HOPE on the line to help me with my questions. I was given assurance that my mortgage documents were to be sent out in the next two weeks or so. Then I heard nothing for about 6 weeks. I called again and left emails and messages ( that I have copies of if needed ). Finally XXXX XXXX called back to tell me Citi forgot to set up an escrow account so XXXX XXXX refused to fund my loan. Citi actually caused my mortgage to fall behind at first in order to get the loan, but then forgot to set up the account so I then became current AGAIN. I payed exactly what I was told. XXXX informed me that because Citi set the account up incorrectly I had to start over with my trial payments. This means another four months of waiting. The final nail in the coffin is that I WAS TOLLD I MUST CONTINUE TO MAKE THESE PAYMENTS OR I WILL BE DROPPED FROM THE MOD. BUT CITI STILL HAD NO IDEA HOW THEY WOULD SHOW THAT I AM NOT CURRENT MEANING THE TRIAL PAYMENTS HAVE NO END! I was never behind on any payments but I was forced to set this entire modification up in order to get my EQUITY line modified. I am a SINGLE MOTHER AND FULL TIME XXXX WITH NO SUPPOORT. I HAVE LITERALLY SPENT HUNDREDS OF HOURS ON THE PHONE WITH CITI OVER THIS WITH NO RESOLUTION. THIS PROCESS HAS CAUSED ME EXTREEM EMOTIONAL STRESS. 
MY DESIRED RESOLUTION IS FOR CITY TO HONOR THEIR PROMISE AND COMMITMENT TO COMPLETE THE MODIFICATION PROCESS IMMEDIATLY AS PROMISSED. 
Sincerely XXXX XXXX
Product: Checking or savings account

Chime has chose to discriminate against me, mislead me, on numerous instances provided false and/ incorrect information, condoned and enabled disrespectful and violent behavior from their customer support representatives, and ultimately, repeatedly refused to investigate my disputes involving fraudulent and unauthorized transactions, issues with Account Security and Identity theft via their platform. 

I have been submitting dispute after dispute over the last 8 months since my account and privacy was breached via XXXX XXXX Banking XXXX. I have been carefully documenting all communications in regards to this and have always been met with shady and sub-par customer service as well as blatantly discriminatory and disrespectful patronizing behavior from their often rude and redundant staff. More often than not, I have to wait at least XXXX minutes each phone call to reach someone from Chimes call center and many times its often ill-informed associates who refuse to do their jobs or remain transparent and open in their communication, almost always leading to a misunderstanding. 


The bottom line : My XXXX Rights have been violated on numerous occasions in my pursuit for fair treatment, a thorough investigation and prompt resolution to the very clear concerns I voiced over the past 8 months. As recent as Today, XX/XX/year>, Chime has informed me that my Dispute has been denied, claiming that No Error Occurred or was found when I have repeatedly voice concerns that I was affected via their platform of identity theft and fraud and my funds were slow-siphoned over months, I will provide as many of the communications as possible, I am seeking mediation and a crediting of the full amount of the claim at this point as well as the necessary chargebacks being filed, they have lied on numerous occasions saying they filed chargebacks but produced no such documents or information that shows any coordination with any merchants. They are also claiming to be a financial technology company and not a bank and do not have to adhere to regulation E and Z yet have a dispute process that resembles this exact policy being used. They are indirectly condoning cyber theft and fraud and silently enabling such behavior via their platforms.
Product: Debt collection

Not exactly sure who debt is with. I think it is all a scam I Can only think of a payday loan back in 2009. Was paid back in 2009. The caller today called my work and gave out my social security number and supposedly a case number, called my ex-husband who I have n't any contact with in XXXX years and gave out my social security number and called XXXX other people. This is illegal and I want them closed down and fined for giving out personal information. If I owe anyone a debt they need to send me documentation as any debt collector would do.
Product: Debt collection

I have filed a complaint against Check City and they continue to call my cell phone even though they responded to my XXXX complaint by stating they removed my cell telephone number from their system. The fact is, they have INCREASED their calls to XXXX a day by calling from a Virginia phone number. The new number they are calling from is ( XXXX ) XXXX, the XXXX number was ( XXXX ) XXXX. Please see my XXXX complaint, Number XXXX. The company responded to the XXXX complaint by saying they placed my cell telephone number on a DO NOT CALL list in XXXX, but calls continue to pour in and I find it interesting they have switched the number they are calling from since I refuse to answer the old number they were using. And, they have XXXX up on their attempts to call my cell phone ... I am now getting calls from both numbers DAILY.
Product: Debt collection

I was living at XXXX XXXX and was highly XXXX XXXX XXXX and could not XXXX  up the steps that lead to my apartment and requested a transfer I was put on a waitlist and was concerned about the affordability of the home and my current condition I set and had a meeting with the property manager in reference to moving out I put a proper XXXX notice in and continued living in the property temporarily because when I put my notice in my apartment was already leased before I vacated I attempted to complete my lease out after recovering from XXXX and was offered a neutral unit on on the third floor because of XXXX I am not able to climb that many stairs without a period where I am able to sit but I had spoke with the property manager and I was informed that my security deposit will be kept by the property management and I'm to pay my rent in full I paid my rent in full clean the apartment thoroughly there was no scratches or nowhere and tear on this unit so I didn't have any walk out violence after about 3 years of living out of the property I received a notification from century credit stating that I owe from a breach of lease the property manager which was XXXX at the time and I agreed that this will be the terms of me leaving my lease early I've been tried to before my proper notice was over try to stay in the property but my unit was already leased so to me I feel like not only did we have a verbal agreement and also my lease was breached by the property management company by leasing my unit out before my lease was over XXXX XXXX HAS NO CURRENT XXXX TO CONTAXT THEM VIA EMAIL OR PHONE AND IS NO LONGER AT THIS POOERTY
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 USC 1681. 
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 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 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: Debt collection

As previous dispute under complaint number XXXX XXXX on XX/XX/2018 has left me in total disbelief that a company that I have had no business with is claiming that I owe a balance of nearly {$6900.00}. Fair Collections & Outsourcing sent a package to me which they stated was the full validation that I owe this balance. This contract had no mention of their client XXXX XXXX and nowhere in it does it state that I have any obligation to them.They failed to provied me with any contract or signed agreement which enters this company and I into business that nor places me in ownership of this debt. 

Yes, Fair Collections & Outsourcing as you have stated in your response, I have made multiple identical requests in past for validation of this account and because you have failed to provide me with this validation I am now demanding it from your clients XXXX XXXX. Your Reasonable Investigation Notice states that you sent me verification on the XX/XX/XXXX and you stated that you found the account to be reported correctly and that you will continue to report it. You further state that the report date was XX/XX/XXXX which is correct. I also see it reported on my credit file accessed XX/XX/2018 thank you for your one truth but that does not impend me exercising my rights to all docmentation ; contracts or agreement that states that XXXX XXXX and I, XXXX XXXX XXXX have or have had a contract bound by law which makes me responsible for any debt presumed owed to XXXX XXXX. It is my right pursuant to the FDCPA to question the validity of this information you have yet to produce. I make this my last attempt to acquire validation and if it is not recieved I will take steps to file a small claims suit against XXXX XXXX AND FAIR COLLECTIONS & OUTSOURCING for damages due to willful non compliance and damages per violation. This entire matter has caused me stress and emotional distress which is reflecting on my health and I would gladen the opportunity to file a default of debt validation against this company who have failed to verify this debt. I have yet to see any documentation ; contracts or agreement between myself and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I wrote to Equifax asking for them to permanently remove an extended fraud alert they received from XXXX which I did not ask to have be added to my credit reports. Equifax received my letter for request to remove the extended fraud alert via certified return receipt on XX/XX/18. I ordered my Equifax credit report today XX/XX/18 and the fraud alert is still on my credit report. Equifax has failed comply with removing the fraud alert from my credit file. Equifax recived copies of my drivers license, social security card and proof of residence along with the letter for the removal of the fraud alert. I have yet to receive any correspondence from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for TransUnion and XXXX. I have submitted disputes regarding the same company, XXXX XXXX several times, regarding the errors on my credit report and they have failed to correct the information or totally remove XXXX XXXX from my Credit Report altogether, in which they stated on XXXX  XXXX site on XXXXXXXX19 that they would do. The exact language was " XXXX XXXX between XXXX XXXX, 2019 and XX/XX/XXXX, your automotive account with XXXX XXXX was removed from your Credit Report. '' When I checked my acct again on XXXX/XXXX/19, there was a new remark added for the XXXX XXXX Acct, which stated " fixed '' and they left the account on my record. I am considering filing a lawsuit against TransUnion and XXXX  at this point, since they are reporting incorrect information and have fail to properly investigate, and not remove the information well after 30 days. As a result my credit score dropped again by almost 50 points with TransUnion, due to Negligence on their part. Thank you for your assistance regarding this urgent matter.
Product: Credit card or prepaid card

Comenity bank owned by bread financial has been down for a week. Nobody can access our accounts, the phone lines do not work and there is no way to get any information about what is going on. The notice on the website says it's " planned upgrade that is taking longer than expected '' but the company did not inform anyone of any " planned '' upgrade and it's now been a week with no access to our accounts or any statement from the company about what is actually going on with our extremely important information. I, and many others believe there was a data breach and the company is trying to hide what actually happened, website upgrades don't take this long.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX XXXX XXXX 
Account XXXX : XXXX XXXX XX/XX/year>
Product: Debt collection

I went to XXXX and has a XXXX XXXX. I was told my insurance covered it. XXXX XXXX fraudulently billed my insurance and as a result it said I had an unpaid debt. Years later after I had that visit IC System starts harassing me for that debt. XXXX XXXX sent the debt to them for collection without my knowledge or notification. I was never contacted to be told I even had an outstanding debt. I called XXXX XXXX and they admitted it was they and re-billed my insurance to pay for the XXXX XXXX. My debt is paid. But IC System is still harassing me despite the fact that it has been months via, email and phone calls. I made an email that is not on the internet and somehow they found it an harassed me on that one as well.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account with TransUnion Dear CFPB, I am filing this formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details Account Name : XXXX  Account Number : XXXX Despite multiple requests for correction, including dispute letters sent on XX/XX/XXXX and XX/XX/XXXX, my requests have been ignored, and the erroneous information remains unchanged on my credit report. This lack of action violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Summary of Errors and Discrepancies : Late payments are incorrectly reported for the following periods : TransUnion : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The discrepancies include inconsistent dates of activity, reporting, and late payment histories. 
The account has been verified multiple times, yet the inaccuracies persist without correction.

FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. In my case, this responsibility has not been upheld.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation of the corrections made. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. Please address this matter with the urgency it requires and ensure compliance with federal laws to protect consumer rights. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a credit card with BANK OF AMERICA and I've been consistently been charged excessive interest rates on the card which I've complained about on numerous occasions. 
Now, I'm facing a severe economic and financial hardship due to covid19 and I've tried to resolve the matter with BOA, but they've been most uncooperative in the matter. BOA is engaging in predatory lending practices which are unethical and egregious practices and must be investigated immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Formal Dispute and FCRA Violation Notice Regarding Unauthorized Sale of Social Security Number and Request for XXXX Form Dear Jefferson Capital System LLC , I am writing to formally dispute the unauthorized sale of my personal information, specifically my Social Security number , to secondary creditors. As a consumer, I am entitled to the protection and privacy of my personal information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

It has come to my attention that my Social Security number was shared with third-party entities without my explicit consent, which is a direct violation of my rights under the FCRA. This unauthorized sharing of my sensitive information not only breaches my privacy but also puts me at a heightened risk of identity theft and other fraudulent activities. 
As stipulated by the FCRA, I am entitled to : XXXX. The right to be informed if information in my credit report has been used against me. 
XXXX. The right to know what is in my file. 
XXXX. The right to dispute incomplete or inaccurate information. 
In addition, I am aware that I have the right to a copy of the XXXX form that was used for tax purposes in the event of debt monetization using my Social Security number. It is particularly concerning when such monetization has occurred without my permission, either by the original creditor or by any purchaser of the debt from the original creditor. The issuance of a XXXX form has significant tax implications for me, and I am entitled to all documentation related to this action. 


I demand that you immediately : XXXX. Cease any further sharing of my Social Security number and other personal information with secondary creditors or third parties. 
XXXX. Investigate this unauthorized disclosure and provide me with a detailed explanation of how my information was shared, including the names of all entities that have received my information. 
XXXX. Confirm that my Social Security number has been removed from any databases accessible to secondary creditors or other third parties. 
XXXX. Provide me with a copy of the XXXX form related to the debt monetization using my Social Security number. 
XXXX. Delete Account From credit report Please consider this letter as my formal dispute of this violation. I expect a prompt response, including the steps you will take to rectify this situation, within the 30-day period as required by the FCRA. Failure to comply with these requirements will leave me no choice but to pursue further legal action to protect my rights. 
Please send all correspondence regarding this matter to the address listed above. Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Statements are not being produced on a monthly basis. Im not able to get updated payment information online. This company also doesnt have a procedure to submit principal only payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account late payment I send documents for you to look over
Product: Vehicle loan or lease

I lost my job and had been unemployed for past 6 months. I recently found a new job and also am expecting a refund check in the mail for total amount of money I am behind. I called BBVA a week or so ago and informed them of the situation and that I was told my check should be arriving by XX/XX/XXXX. I told them I would pay full balance past due then. The lady I spoke to said that was okay. 

Today, BEFORE XX/XX/XXXX, they are telling me they will put my car into repossession unless I pay them immediately and as I tried to tell them, I do not have money yet or check in hand! I asked them to wait until next week and they refused! THEY BROKE THEIR PROMISE TO ME.
Product: Mortgage

Starting in XX/XX/2018, my loan servicer, Specialized Loan Servicing ( SLS  ) has started to charge me a late fee of {$120.00} if I do not pay my mortgage by the XXXX/XXXX of the month ( I received a similar late fee penalty this month, in XXXX ). Previously, if I paid my mortgage payment after the XXXX or XXXX of the month, for a period of almost two years, I did not receive such a penalty. I looked back at my loan closing documents and there is no such right in there for a servicer to start charging me a late fee arbitrarily for not paying by the middle of the month. I have sent a notice to the servicer indicating these facts but I have not received any response as of yet.

I believe this process of arbitrarily starting to charge me late fees after almost two years of mortgage payments ( of which I have not missed any ) is unlawful and I want this organization to cease this activity which I believe is an unfair practice. Thank you.