23daVinci/CFPB_Complaints huggingface dataset:
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  Bank 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: Mortgage

I had regularly scheduled, electronic payments with my mortgage lender ( BSI Financial ). All payments were scheduled for the XXXX of the month for the monthly payment, {$4400.00}, plus an additional {$1300.00} towards the principal. After my XXXX XXXX payment, I contacted BSI ( on or about XXXX XXXX ) regarding split payments to begin on XXXX XXXX to be {$2800.00} XXXX {$2200.00} in principal/interest and {$650.00} in additional principal ). On XXXX XXXX, the draft did not occur. I contacted BSI again and they said I did not specify the day of the week ( not true ) so I re-scheduled the split payment to occur on XXXX XXXX. Again, no draft occurred. I called a third time and was informed that they needed additional paperwork to conduct split payments. I told them I was done with attempting to do split payments as I had begun doing a re-finance due to low interest rates and a lack of confidence in their ability to manage my mortgage. I told them I wanted my full loan payment, plus the additional principal payment, to be drafted on XXXX XXXX and to continue that until my re-finance was complete. On XXXX XXXX, no draft. I contact them again and they push my draft to XXXX XXXX for the full payment plus principal. On XXXX XXXX, they drafted the split payment plus {$650.00} additional principal. I called again and they said they now needed 3 business days to process a change ( website says 2 ) and that is why it only drafted the split payment. I scheduled an immediate draft of the remaining payment plus another {$650.00} in principal but have yet to see it draft. There is no accountability within that office and their customer service is nothing but empty words. I am now at risk of being late on a payment if they do not resolve this issue prior to the XXXX which could affect my re-finance, my credit score, and other factors. In searching the internet, I have seen several other people have issues with this lender, but lenders can sell people 's mortgages to whoever they want and therefore, my mortgage could end up in BSI 's hands again if someone does not intervene to remove them as a credible lender.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX American Express Company XXXX XXXX XXXXXXXX XXXX XXXXk, NY XXXX Employer Identification Number : XXXX XXXX Certified Mail Return Receipt # : XXXX XXXX XXXX XXXX XXXX XXXX RE : Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to dispute a charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by American Express Company, is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information. 

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been issued and accepted by the IRS which cancels the debt with the creditor. See the attached document. 

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off on my credit report is inaccurate and should be removed immediately. 

I request that American Express Company delete the inaccurate charge off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of my updated credit report once records have been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX
Product: Credit card or prepaid card

I have filed numerous complaints with all available agencies. I have requested to have my Bank of America/Unemployment account investigated. Bank records do not match merchant records with no explanation to the account holder. When complaints are answered I am told I did not tell Bank of America in the time allowed and due to them being strictly governed by Bank of America Visa that they do not have to investigate regardless if the accounting done by the bank for fraudulent charges or the merchant can be reconciled. After three years I have learned one of the many persons that have been able to bill to my Bank of America Visa card. I will attach the information below but I would like to be protected like I should of been in 2013 when Bank of America flagged the account for fraud two days after this began and released it with no notification to the account holder. If the account would of been locked as normal businesses and financial institutions state they do, I would of been alerted. Why was this allowed and why was I not notified or have I ever been sent actual bank statements.
Attached 1 accounts listed as administrators on my XXXX device!
2 Screen shot of the person that has fb account XXXX ( address bar ) 3 screen shot showing that it is his account number which makes it linked to my bank because he is in possession of a prior phone number. I do not know this person whatsoever!
Product: Money transfer, virtual currency, or money service

My account was frozen for not verifiable reason and I have {$250.00} in funds.
Product: Mortgage

I did present ny Motion to quash  on XX/XX/XXXX : plaintiff did not sed me a NOD notice of Default and Due to lock of Process of Service. 
I Never was peesonally served since we both defendants were wor king on XX/XX/XXXX @ XXXX see Exhibit A. XXXX XXXX from XXXX XXXX XXXX XXXX XXXX lic # XXXX, being first duty sworn on Oath depose and say the following : Defendant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX on XX/XX/XXXX @ XXXX I served the whitin named defendant personally see Exhibit D I was working at that time .also Defendant XXXX XXXX see Exhibit A How cone XXXX XXXX sowrn on Oath if we never signed summons and complaint also we both never were personally served. 
The judge denied ny mition on XX/XX/XXXX he gave me til XX/XX/XXXX to answer to include an affidavit to support my Motion to Quash  because no Proper Service and after I did answered on XX/XX/XXXX provide an affidavit plus proof XXXX XXXX Job Leter oroof of he was working all day see Exhibit A. 

judge Finally denied motion to quash  anyways. 
I am facing an Auction in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency has unauthorized my consent for any type of inquiry on my person and has refused to provide me with any adequate proof in regards to the account being accurate and belonging to my person. The open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. A consumer reporting agency can not furnish an account without my written instruction. 

Equifax Companies : XXXX XXXX XXXX XX/XX/XXXX Equifax Mortgage 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
Product: Credit reporting or other personal consumer reports

My credit score dropped and there was a charge on there that I was not familiar with from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This place has never tried to collect money from me, it just hurts my credit score. I am unsure what this is for and tried to call the company with no success. I filed a dispute with Transunion and got a report back on XX/XX/year> and they didnt resolve my issue.
Product: Checking or savings account

Around XX/XX/XXXX I requested the closure and distribution of IRA CD Account Number XXXX.The amount distributed was {$12.00} less than the balance of the account on XX/XX/XXXX. I was not notified about the reduction and reason. The deduction was for excess payment of interest in XXXX & XXXX. 
Upon research I learned due to system problems the interest posted every month in XXXX and XXXX was incorrect, therefore the yearly detailed statements I received for XXXX & XXXX are incorrect. I am entitled to correct accurate statements for XXXX & XXXX and requesting a detailed statement for both years showing the interest each month. The statements I received for both years are not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX that the account for XXXX that they have ceased on the collection account for XXXX. It's still on my XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to XXXX I been working for XXXX since XX/XX/XXXX I applied and been working I had to submit for a second background check for a position in the company which uses cisive formally known as cargo background check they do a end of life background check I identified my info and made my record known to the company and to the background agency the agency is reporting inaccurate information about my conviction and its hurtful and taking away opportunities from me to rent or hold employment due to the inaccuracies on my report showing my conviction twice from my XXXX XXXX XXXX conviction stating that I got off probation In XXXX when I was released and case disposed back in XXXX this is in accurate and now my quality of life is affected and my conviction was charged in XXXX
Product: Checking or savings account

I opened a new account and the bank said theres suspicious activity when there is not any fraud whatsoever. Everything is accounted for and now they restricted my account and refuse to let me reach my funds. I ran out of gas while traveling and was stranded I was not given a warning or phone call I missed a funeral and now Im stranded with no funds or money for gas or food they are keeping my money hostage.
Product: Mortgage

I have a home mortgage through Wells Fargo and in XXXX they didn't pay all of the property taxes that are associated with my home that we share with my in-laws who have an interest in our home with a XXXX XXXX XXXX  that gives them 25 % ownership in the home. In the previous years they paid the taxes which are made in XXXX seperate payments without issue. 

Due to them not paying the full tax bill in XXXX my escrow account was assessed a late payment fee and penalty of {$1200.00} which Wells Fargo paid out of my escrow account in XXXX of XXXX. I was unaware that this had happened until earlier this year and have made numerous attempts to talk to someone at Wells Fargo about returning the {$1200.00} to my escrow account due to the missed payment being the banks error. 

I have made over XXXX phone calls to them and I even went into my local branch and talked to an employee there. He said that there was no one in the branch I could talk to about the issue I was having and gave me the main number to call. 
I informed him that everytime I call the main number I just get the run around and that no one I talk to can resolve this issue of refunding me my money. 

I was even assigned a case number over the phone but I still just get the run around from one dept to the other.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 on 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.

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: Debt collection

I had a medical debt collection from ARS in the amount of XXXX on my credit report. This debt was not mine snd on my XXXX XXXX  they told me if I paid it, my credit score would XXXX XXXX up by 21 points. I disputed it and my credit did not go up as they were incorrect posting this charge against me. Im trying to purchase a vehicle and I have 155 on time payments! This is not right!
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed money for an old bill and it was taken over by a collection agency XXXX XXXX. It was on all three of my credit reports. I disputed them all and XXXX XXXX removed the debt from XXXX and XXXX but will not remove it from TransUnion. I keep filing dispute which they deny. I called he company today and asked for explanation as to why they would remove debt from two out of the three but leave on one. Its the only thing preventing me from getting my first time home owner loan in the spring.
Product: Mortgage

I entered into a written repayment plan With Chase. While making all required payments under the plan according to the plan terms, Chase kept sending notices of intent to foreclose. I filed a complaint with CFPB ( case number XXXX ) in XXXX 2015. Chase responded by stating that if I make all plan payments in accordance with plan terms, Chase would not pursue foreclosure activity. I completed the plan in XXXX 2015 and Chase still continues to send Notices of Intent to Foreclose.
Product: Debt collection

I have previously submitted a request for verification of this debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ). I sent a certified letter to FAIR COLLECTIONS & OUTSCOURING INC, and it has been over 30+ days without a response proving that this debt belongs to me. They are in violation of 15 USC 1692. and I would like this removed from my consumer report immediately.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX CALLED MY HOME AFTER TELLING ME WHO THEY WERE TOLD THEM NOT TO CALL ME AND HUNG UP CALLED DENTIST OFFICE THAT REFERRED XXXX XXXX XXXX THEY GAVE ME A DIFFERENT TOTAL - DISPUTING NOT INFORMED LEFT MESSAGE FOR MANAGER - COLLECTION OFFICE CALLED AGAIN TODAY - HUNG UP PHONE THEY CALLED ME BACK STATING WANTED TO VERIFIED ADDRESS - GAVE THE ADDRESS REPRESENTATIVE TOLD ME I HAVE A WEEK - THEN LAUGHED AND HUNG UP PHONE/
Product: Credit reporting, credit repair services, or other personal consumer reports

I rented a car from XXXX  XXXX XXXX  XXXX in XXXX XXXX on XX/XX/XXXX. I paid the invoice by credit card upon returning the car on XX/XX/XXXX. In XXXX, XXXX a collections/non-payment report was put on my credit report at XXXX  by Allied Collection Services of California. I provided a copy of my invoice and credit card statement to XXXX  and to Allied Collection Services of California. They have never provided me with anything in writing, will not answer my calls, and will not return my calls. Allied Collections keeps verifying that the charges are accurate to XXXX, where I am disputing the charges. 

I have only rented from XXXX  that one time. These are the only charges that I have incurred from XXXX.
Product: Debt collection

I contacted this company and by phone explaining this information was false. I requested that they stop attempting to collect and asked them to close and completely remove this account from all 3 credit bureaus, deleted. They havent done it.
Product: Checking or savings account

XXXX XXXX XXXX$550.00} non-sufficient funds ( nsf XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  {$380.00} XXXX Bank of America {$510.00} account abuse
Product: Bank account or service

I am having an issue with Rush Card debit every so often my card is being deducted from without my consent, when I call to have the issue cleared I 'm being put on hold for XXXX min without any resolve iv'e had enough please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Best Buy/CBNA has started reporting again on my account after 9 years. It was a joint account that I had with an ex. It was charged off and disappeared from my report. Within just a few months ago It reappeared and will not go away. It violates 15 U.S.C. 1681c ( 1 ) of the FCRA and i've tried to resolve it through the dispute processes with no luck. It's adversely negatively affecting my credit and I need this resolved immediately. 

Contact Info : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX
Product: Debt collection

I have been called 3 times in the last two weeks about a loan default that happened 11 years ago during a divorce. I explained to them on all three occasions that my phone is used for business and I can not be bothered on this line. I asked for the address and it was not provided. The First Lady I spoke with was very rude when I explained it was a business line, she kept saying why arent you paying. I explained to her she is calling about something from 11 years ago and I already felt with the fallout of my credit being ruined from it. She then said that she cant report it to the credit bureau any longer but could continue to call for collections. Even after I explained to her that I was at work and the line she was calling me on is used for my job. I finally had to hang up as I was getting another call which was business related. The other two calls I politely tell them they a calling a work phone number and ask them not to call back. I have taken screenshots of all three calls I will include with this complaint. The name of the company is portfolio recovery. Again I do not have the address as it was refused when I called XXXX and asked for the address on XX/XX/year> at XXXXXXXX XXXX and it was refused.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX  To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$120.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Vehicle loan or lease

The Bureau of Consumer Financial Protection ( Bureau ) has reviewed repossession and servicing activities by Nissan Motor Acceptance Corporation ( Respondent, as defined below ) and has identified the following law violations : ( 1 ) Respondent wrongfully repossessed some vehicles despite having agreements in place with consumers to prevent repossession ; ( 2 ) Respondent, through repossession agents, kept personal property that was located in consumers vehicles at the time of repossession and would not return that personal property until consumers paid a fee for its storage ; ( 3 ) Respondent, through its service provider, deprived consumers making auto-loan payments by phone of the ability to select a payment option with a significantly lower fee than the one they were XXXX Document 1 Filed XX/XX/XXXX Page 2 of 40 charged ; and ( 4 ) Respondent made a deceptive statement in its agreements to extend consumers auto loans that appeared to limit consumers bankruptcy protections. These actions violated the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531, 5536. Under Sections 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order ( Consent Order ).
Product: Credit card

I received a noticed in the mail from Discover stating that my monitoring had been stopped which prompted me to call them on XX/XX/XXXX and they said they had sent me a letter in the mail stating my account was going to be closed if I did not use the card back in XX/XX/2023. I never received the letter so I had no idea my account was going to be closed or I would have made a charge on the card I am completely paperless with them and never received an email with this information. I have spoke with them on XX/XX/XXXX and XX/XX/XXXX and they are refusing to reopen the account or do anything to rectify the situation. They said the will pass along my complaints about it receiving the letter and thats it.
Product: Checking or savings account

Somehow Google pay captured my new debit information from a payment I made then used that information to pay other accounts, like XXXX, XXXX XXXX which is a gaming app and XXXX XXXX which was a three month free trial. Today I got money deposited and XXXX grabbed all the money. I am XXXX, XXXX, and on a low pension and like everyone else who got sidelined when XXXX hit have been living on a really low pension. 

I am really tired of the aggressiveness of online companies like XXXX, XXXX, XXXX and XXXX in grabbing payments. I got a notice that XXXX was having trouble collecting funds. I am like okay, because they don't have the new debit card number and I don't even know why they were trying to charge me because I never gave the new debit card number nor authorized any payments. When I complained to XXXX about this they were not sympathetic. They want me to go without money so that the billionaires at XXXX could get richer. I talked to XXXX at XXXX and informed that this is XXXX  abuse and still still XXXX refused to give me a provisional credit, They wanted me to go without a debit card bec ause I won't be able to get a new card until middle of next week. I pay XXXX $ XXXX for priority service and they still discriminate against for be a woman, XXXX and XXXX. 

I do not understand why I have to be penalized over {$56.00} while XXXX and XXXX make millions. For me the hardship is that I can't buy food or pick up prescriptions without access to funds. I also fail to understand why XXXX insists on using call centers in XXXX XXXX that have no sympathy or empathy for the hardships I might be experiencing. I feel that my needs would be more recognized in a country that is not chauvinist and misogynist as everyone knows the XXXXXXXX XXXX where the dictator leader kills people who suffer from drug addiction.