23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Our mother died, who lived at the address where services were bundled : internet, phone and TV were provided from XXXX XXXX. She died XX/XX/XXXX. My name was on the account as she was XXXX. I kept the service till XXXX of XXXX, as our brother XXXX brother still lived at the home and we were resolving their affairs. I attempted to close XXXX XXXX services over phone and then online the amount in question. I have the proof of the paid debt through bank and billing - statements that they were paid. I was assured that they would pro-rated and returned their equipment, XXXX, XXXX. I also went to XXXX XXXX XXXX, who also called XXXX XXXX on my behalf. But over the years they have kept changing my billings to different debt collectors. I am being billed {$350.00}. and now it is through a collection agency, TSI. I also have the correspondence from XXXX XXXX, where they credited me with a minus - {$110.00}, and no action required, sorry to lose you as a customer XXXX have several letters of correspondence to XXXX XXXX and their collectors, yet nothing has helped.I am XXXX XXXX XXXX and I feel this is a financial harrassment As I have tried to show that the debt was paid
Product: Debt collection

Chase is trying to collect on an old debt that isnt mine! They didnt following the banking laws which i won a settlement which was agreed upon to not collect on a debt i do not owe from XXXX. I made it clear before and still will to this day!
Product: Credit card or prepaid card

This is a complaint against JPMorgan Chase Bank XXXX. XXXX XXXX XXXX DE XXXX regarding a card services annual renewal fee of {$85.00} that was not refunded to me when I cancelled the card XX/XX/XXXX. When I called customer service to cancel the card because of the recently assessed annual fee in XX/XX/XXXX, I was not told on this call that there was any issue with this fee being refunded. I was fully expecting to receive a check in the mail based on my phone call to Chase. The last four digits of my card are XXXX. 

Each month I pay my balance in full online. I do this fairly quickly and often before the due date. I did not notice until the after that payment that I had inadvertently paid the annual fee. I no longer have any credit cards that charge these fees and had signed on with this credit card because they offered one year without fees. 

When I did not receive a check in the mail refunding the fee Id inadvertently paid when I paid the balance due in XX/XX/XXXX I was told that I had not cancelled the card within the 60-day time frame. I asked that this matter be reviewed and was told Id receive a letter with the decision within 10 days. I did not receive a letter and called again XX/XX/XXXX. This time I was told I had to cancel within 45 days in order to be refunded the annual fee. I asked customer service if they were not going to refund the {$85.00} fee, to issue me a card so I could benefit from using a card that Chase had assessed me {$85.00} to use for renewal. I was told this was not possible. I found this unacceptable and called one more time to report that I was not told when I cancelled the card that I would not be refunded the fee. No other options were presented to me other than the {$85.00} would not be refunded for a card I cancelled and was not going to use for the one-year fee. 

What I find challenging about this matter is that I get offers from Chase frequently to sign up for new cards and/or to open a checking account with them with a $ 300-500 reward fee. Chase spends money marketing to obtain new customers but doesnt honor loyal customers with excellent credit ratings and on-time payments. 

I am filing this complaint with the CFBB to describe these unacceptable violations to consumers with Chase credit cards and to seek a refund of the {$85.00} for the yearly fee I inadvertently paid for a card I am not using. I want other consumers to be forewarned of these aggressive fee collections and the non-responsiveness to my first call and follow-up calls.
Product: Mortgage

Hello, A few months ago, I tried to obtain a second mortgage with Regions Bank. My rep was XXXX XXXX. He said he " locked me in '' at 6.125 %. I showed up to closing and it was 1.75 % higher than I locked. He said he had no idea what happened and said come back in two hours and I will have this fixed. I came back in two hours, and it was the same interest rate. He said, " sign it, and send me a snapshot of the rate and I will get it changed ''. During this time the feds raided the rates twice! I was in a corner, so I signed it. He could never get it changed. I spoke to his supervisor, XXXX, and he could not help me. He basically said sorry, but you signed it. I was told it would be changed. 

Sadly, the exact same thing happened to my ex-husband, whom I gave him XXXX XXXX 's number! That went over well. We exchanged multiple emails about this, and I was completely lied to. I have already filed a complaint with Regions. 

I also had a lock on a loan with another bank. I did not go with that bank because XXXX XXXX promised the moon and delivered rocks.
Product: Debt collection

This company and their attorneys are crooked it first they served a XXXX XXXX XXXX child second when I told them XXXX didnt reside in my home the process server just walked way and dropped the envelope secondly I responded to summons since we are in a community property state I hired an attorney and they communicated with the law firm the law firm advised they were not going after me and I was only listed cause I am the spouse I asked for debt validation to be sent to me it wasnt sent to me until after the first court date I asked for a motion to compel arbitration on XX/XX/XXXX which was granted in XX/XX/XXXX my attorney received a response that because the debt wasnt mine I didnt have a right to ask for a motion to compel arbitration which is crazy they can name me as a defendant but I dont have a right to fight and protect my self I waited and waited to receive notice of the trial and never received anything from the courts or the law firm on XX/XX/XXXX their attorney filed paper work and on XX/XX/XXXX filed a summary of judgement and on XXXX the judge issued it I never received anything notice of anything about a trial now I have a judgement the case has been adjudicated and this is not right I didnt have the ability to defend my self against a debt that isnt even mine. The law states I have a due process right to appear and be heard. I found all this out after meeting with a bankruptcy attorney on XX/XX/XXXX I will be filing a motion to vacate the judgement but I need the cfpb to know what this company and their attorneys are doing it is not right and has caused me a great deal of stress I even tried to do the right thing and offer a XXXX dollar settlement on a debt that does not belong to me.
Product: Credit reporting or other personal consumer reports

for the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time s Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report must be Delete in my credit report in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 )
Product: Student loan

My mom signed me up for XXXX XX/XX/2012 I went for 13 months I never failed a class I was terminated from school because my mom did n't want to provide her XXXX I was left with this big loan XXXX salie mae left me and messed my credit up at age XXXX last year they took my tax return XXXX $ w not payment arrangement
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Inaccurate Information on my credit Report, My Credit report Shows that i have 3 Different addresses. I've Never Lived at those Addresses Listed the only Address that i Lived at is XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. I need those other addresses Removed immediately, I never gave them Permission to report any of those addresses. 
I also Have found multiple errors on my Consumer Report that are Listed below XXXX XXXX ACCT XXXX XXXX BALANCE : {$46.00} THIS ACCOUNT WAS NEVER LATE XXXX XXXX  XXXX XXXX ACCT : XXXX XXXX : {$9700.00} Remove this Account Immediately XXXX ACCT : XXXX XXXX Remove This Account Immediately XXXX XXXX ACCT : XXXX balance : {$650.00} Remove this account Immediately 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as my Follow-up complaint to ensure that these items must be removed : XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/2022 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 Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX XXXX  XXXX Bankruptcy Discharged Reference # : XXXX I complained to question the listed items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

My last name is wrong!
Product: Checking or savings account

My account had fraud done on it and I submitted all the paperwork back to Bank of America, but they never resolved my issue. I had lost my card and pin number and someone had deposited checks from my account. I have never had checks while having this account. They said the checks totaled to about {$10000.00}, but I don't know how they would let someone get that much money out of an account that has never had more than {$300.00} in it at a time. This is hindering me opening an account with any other bank.
Product: Checking or savings account

On XX/XX/20 I was notified that my account with Bank of America was being closed as a result of the bank policy. I was not given advance notice or anything. The bank just made a choice to end the relationship. Upon me trying to retrieve the money from my account the Bank decided to not allow me to get my money that's sitting in the account. 

The money that is in the account was money that was borrowed from a friend for an medical emergency. Bank of America left me and my family in a bad space that we couldn't have the medical procedure done do to them not allowing me access to recover my funds. 

I've escalated to managers and supervisors and was rudely talked to and told that they are keeping my money. I've asked to escalate this matter to upper management and was denied. 

I'm not working due to the coronavirus and this is all the money I have. Bank of America left us in a very bad place.
Product: Debt collection

I am writing to formally lodge a complaint against XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and Professional Debt Mediator regarding an account that has been reported on my credit file. Recently, I reviewed my credit report and found accounts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and Professional Debt Mediator that I do not recognize.
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 immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/23, I attempted to make an online purchase for {$100.00} and the seller stated on their website my purchase was declined by the card issuer. Consequently, I called into customer service and talked to the fraud department. They stated I had to wait for some phone number to call after I receive either a phone call or letter XXXX business days later. This XXXX business day wait is unacceptable to me because this is like the XXXX or XXXX time I've spoken to the fraud department due to prior fraud alerts on the card and I've held this card for less than a month. In each of these prior instances, I've already proven I'm the person making the charges and confirmed all the charges. But this card issuer likes to keep playing these types of games and that's the reason I'm compelled to file this complaint today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Miss you wrong information method of verification Miss use of my information I written in a certified letter to the company, requesting method of verification within 15 days. I have not received anything, and no update on how they verified this account with the miss information on there. 

In accordance with the fair credit reporting act. The lost of account has violated my federally protected consumer rights of privacy and confidentiality under 15 USC 1581. 


Account name XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1691 section 602 A. states I have the right to privacy.

15 U.S.C is 1681 section 602 A section 2 it also states a consumer reporting agency can I furnish account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states No consumer report agency may make any consumer report containing any other following items of information. Any other adverse items of information other than records convictions of crime which antedates the report more then 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable to believe that information is inaccurate
Product: Debt collection

XXXX is predatory - seemingly purchased several of my old debts and also my twin sister 's debts and are demanding that I pay her accounts as well ( accusing us of being the same person ). The lawsuit as well as collection efforts show too many discrepancies. XXXX XXXX as seemingly filed an unlawful suit against me. Company is suing me for an old XXXX account . However, the documents they've submitted for evidence show a different account for " Santander '' a car company that has been sued in a class action suit. Santander sold my account and still tried to collect on the debt that I did not owe as well as XXXX. They both continued to collect after the settlement awarded and demanded they stop. A letter was sent on my behalf to XXXX on XX/XX/2021 and XX/XX/2021 and XXXX retaliated by filing a suit on XX/XX/2021. The plaintiff, XXXX has been stalking my credit profiles, purchasing multiple debts over six years old ( time-barred ) and collecting on those debts. They've sent me emails stating that they have reached the age to sue me on other accounts but stated that I still needed to pay them- collecting on time-barred accounts and also asking that I pay debts that do not belong to me and have also inaccurately reported. They are re-aging my accounts. The original owner did not zero out my balance field nor inform the purchaser XXXX of the date he account first became delinquent. ( I no longer owe the Santander debt because the settlement required that the debt be forgiven due to unfair practices such as violating consumer laws and predatory loan charges. Attempts to collect debt not owed and there were no written notification about debt ( didn't receive, therefor, I didn't know I could dispute debt ). Their practices are harassing, abusive, unfair and they have multiple inaccuracies and discrepancies on my reports, accounts and emails, producing bills that I've never seen and do not owe. I have requested that they stop and they sued me in retaliation. The exhibits ( Exhibit A lists XXXX but they only show proof of the Santander account for Exhibit A ) Schedule I in the court document states the account is " XXXX '' But, Exhibit B is about " Santander Consumer USA ''. There is inadequate documentation inflecting a bill that does not mirror the amount owed by the original creditor. Please find attached Santander Lawsuit, emails requesting for the creditors to stop contacting me and to also stop collecting on the date ( sent my me as well as by XXXX XXXX XXXX on my behalf ) current harassing emails collecting on a time-barred account and lawsuit filed by the plaintiff about these accounts that I do not owe. Letters were sent out, ( Santander account, time-barred and proven that I do not owe via settlement ) before the lawsuit for these accounts were filed.
Product: Credit reporting or other personal consumer reports

On Friday XX/XX/year>, I tried to obtain information in my credit report from Experian. I was informed that I had an online account that I was not aware of. I used an email address that I use to try to access my information from Experian. I was unable to log into the account using the email address because I was receiving a notification to two-way authenticate using a phone number. The only phone number I use for personal use is my cell phone ending in XXXX. I was receiving a notification to receive a text from a number ending in XXXX, yet I was not recieving the text message on my phone. When I called back to Experian, I learned over the automative call that my subscription to Experian online has been canceled. 
I was unable to learn or obtain any information from the represenattive as to who has access to my personal credit information from the credit bureau because I was not given access.
Product: Credit reporting or other personal consumer reports

Car belonging to ex husband is listed as a joint account. I was NEVER on this loan, in fact in 2016 it was listed on my divorce decree free and clear, not my debt. My ex filed bankruptcy a few years back ( post divorce ) and now ford motor is listing debt as mine. I have disputed many times with them as well as 3 credit bureaus and they NEVER send me updates or confirmation letter.
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXX XXXX FEDERAL XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX 2021
Product: Checking or savings account

My Money hasnt been deposited since XXXX need my money to pay my bills and buy groceries.And when this gets resolved will i get compensated for the loss time and stress.
Product: Credit reporting or other personal consumer reports

My account with 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 those account 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 XXXXNever 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