23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2024 XXXX Bank unexpectedly shut down my business account without providing any explanation. Despite my efforts to resolve this issue, their customer support informed me that they can not assist because I am no longer a client. I was directed to XXXX 's security team, which only offers an email contact and lacks a phone number. I sent an email to the security team and after days of waiting for a response, they finally got back to me and told me that they needed supporting documents or invoices proving that XXXX incoming wires to my business were valid transactions. On the same day, I responded to them with attached invoices proving that my wires were valid and legit transactions. It has been more than XXXX  days and I have yet to hear from them. This is an urgent issue for me and my business in order to provide for me and my family however they are not responding to me and not taking this seriously at all. My attempts to call XXXX again were met with my number being blocked. I urgently need clear communication regarding when I will be able to access my funds to continue operating my business.
Product: Debt collection

I do not owe this debt. I am seeking legal council for this collection attempt.i paid at the time of the service in full. I feel like they are just asking for more money now.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance : {$5200.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$89.00} ; XXXXXXXX XXXX XXXXXX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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  Account # XXXX has violated my rights XXXX Account # 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: Credit card

JP Morgan Chase engaged in deceptive marketing to get me to apply for the Chase Slate Edge credit card.

They sent daily promotional emails advertising 0 % APR on purchases & balance transfers for 18 months to illicit me to take action.

I applied through the Respond Now link and was approved for {$8500.00} credit limit with 28.24 % APR on all new purchases & balance transfers.
Product: Debt collection

I told this company ( United Collection Bureau , Inc. ) to stop calling me about another family member 's debt. I called them a week or more ago ( can't find date ) and they wouldn't talk to me, but only the adult family member ( who is not my spouse ). The reason I called as they kept calling me ( XXXX, XXXX at least ) without leaving a message. I was at work and the family member is not there. As I said they wouldn't talk to me. On the call where I called them ( XXXX or XXXX I believe ), I told them that since they said they were recording the call to record this " do not call this number ( I specifically listed the number ) ever again unless you want to talk to me ( my first & last name ) or my wife ( gave them her first and last name ) about any debt we owe ( we don't owe anything so .... ). On XX/XX/20 at XXXX they called again and did not leave a message. 
Violation of calling a number on the Do not call registry Violation of calling someone a week or more later who asked for their number to be removed from the system as they are not the responsible party Violation of not leaving name or message on VM which is provided
Product: Debt collection

Collection agency Credit Collection Services collecting on a fraud Debt that does not Belong to me for {$100.00} File number XXXX and i request a cease and desist collections on this disputed fraud amount that does not belong to me.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

Remove the following accounts because they are not mine. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

American Honda finance is mistakenly reporting me late. I have always made my payments through automatic withdrawl. For some reason, my XX/XX/2022 payment was not taken out of my bank account even though I had enough funds to cover the payment. Pleasing see attached document as proof. Please remove all late payments from XXXX  - current off my credit.
Product: Credit card or prepaid card

On XX/XX/2022 I noticed the credit card company for Indigo card was charging me Credit Protection Fees since XX/XX/2022 when I opened the account. I did not sign for this service. 

I spoke to the company and they refused to give my money back for these charges which is a total of {$50.00} which had monthly increased. 

Thank you very much for your help on this. 

It is not correct to pay for a service I did not sign for. 

Regards,
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a letter to Creditor advising them that there is information on my credit report that should not be on there. Acct XXXX XXXX XXXX  Date opened XX/XX/XXXX. This account is over 7 years old. Per FCRA please remove from my credit report. They have failed to comply and remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed dispute with Experian on XX/XX/2019. 

Dispute was denied on XX/XX/2019 and still shows on Experian as an active debt/collection. I have no knowledge of this account. The account may be appearing on my credit report but may actually belong to my father who shares the same exact name as myself.
Product: Debt collection

I am writing to formally lodge a complaint regarding the illegal and unethical practices of JMS Associates , Inc., which I believe to be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. I have documented the following instances of harassment and misconduct : Unsolicited Calls : Starting on XX/XX/2024, I began receiving calls from various phone numbers associated with JMS Associates , Inc . Despite not having any outstanding debts, I was repeatedly asked to pay {$5000.00} immediately under the threat of a lawsuit. 

Failure to Provide Proof of Debt : I explicitly requested written proof of the alleged debt during these calls. However, JMS Associates , Inc. failed to provide any documentation supporting their claim, as required by law.

Threats and Intimidation : During one call, the debt collector claimed to have knowledge about me and threatened to file criminal charges. Such behavior is both inappropriate and illegal. 

Harassment through Multiple Channels : After I insisted on ceasing phone communication and demanded that any future correspondence be conducted via mail, the company disregarded my request and continued to harass me with phone calls and emails. When I asked for their license number to verify their legitimacy, I received a vague and evasive reply instructing me to call them regarding an " urgent legal matter. '' Given these circumstances, I firmly believe that JMS Associates , Inc. is engaging in fraudulent and abusive debt collection practices. I do not have any outstanding debts and have maintained a perfect credit score. Their persistent harassment and baseless threats have caused significant distress. 

I respectfully request that your office investigate this companys activities and take the necessary action to prevent them from harassing me and others in the future. Additionally, I ask that JMS Associates , Inc. cease all forms of communication with me immediately.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer ) on behalf of XXXX XXXX XXXX XXXX XXXX ) with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services
Product: Student loan

I received an email from Mohela on XXXX that I had been placed into a forbearance. As of XX/XX/year>, my account still has not been updated and I am now going to miss a payment. Mohela is supposed to be automatically placing borrowers who are on or have applied for IDR plans in forbearance, but Mohela is requiring borrowers to call and extend the forbearance every 60 days, and it can not be extended before it ends. I called at XXXX today ( XX/XX/year> ) and was on hold until XXXX XXXX  before briefly speaking to an agent who insisted that I needed to be transferred to an " advanced agent '' and that it would only be a moment. I was then on hold for another 2 hours before the call disconnected.
Product: Mortgage

For the second year in a row my mortage company Shellpoint mortgage has not paid my school taxes which are escrowed and the school is threatening that this is going to their attorney now. These were due XXXX of last year 2014.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain adverse items on my credit report, which I believe are inaccurate and were made without my consent. Under the Fair Credit Reporting Act ( FCRA ) Section 1681b, a credit report can only be accessed under permissible purposes, and any inquiries that do not meet these criteria should be removed.

I did not authorize these inquiries, and they do not comply with the permissible purposes outlined in Section 1681b of the FCRA. Therefore, I request the immediate removal of ALL unauthorized hard inquiries from my credit report.

15 USC 6802 b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I WAS NEVER INFORMED OF THIS RIGHT! 

I am very distressed that you have included this information in my credit profile due to its damaging effects on my good credit standing. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a home loan, which was highly embarrassing, has negatively impacted my lifestyle, as well as is now depleting my personal finances. This error has undermined my confidence in the public. 




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 XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I received a letter in the mail and in that letter was another letter which was from XXXX. XXXX had sent the letter to an address in XXXX XXXX Iowa and that occupant had opened my mail. I have never lived in XXXX XXXX. I've lived in XXXX all my life. I know they have my correct address because they have mailed a letter before and I disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was incarcerated for five years. I was released XX/XX/XXXX from XXXX XXXX CT. I ran my credit and I have no knownlegde of these accounts nor did I give anyone access to any of my personal information while gone. Below is the accounts. 

1 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX Date Opened-XX/XX/XXXX Amount {$900.00} Remarks-Charged off as bad debt. Account closed by consumer. 

2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened- XX/XX/XXXX Amount {$0.00} Remarks-Charged off as bad debt. Purchased by another lender. 

3 ). XXXX  XXXX CO XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened-XX/XX/XXXX Amount- {$1000.00} Remarks- Placed For collections 4 ).  XXXX XXXX XXXX XXXX  XXXX XXXX, NC. XXXX Date Opened- XX/XX/XXXX Amount {$180.00} Remarks- Placed for collections 5 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX Opened- XX/XX/XXXX Amount {$8000.00} 6 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX. XXXX Date Opened- XX/XX/XXXX Amount {$97.00}
Product: Mortgage

I contacted another lender for a refinance and they contacted my current lender. Current lender ( Mr. Cooper ) charged me {$20.00} for PayOff statement. They did not disclose this fees to me nor ask my approval to pull the payoff statement. 

On XX/XX/21, I contacted Mr. Cooper Customer Service and they said this charge is automatic and they can not waive. I like this fees to be waived as this is not with my approval. 

I did not refinance the loan and the loan is still with Mr. Cooper
Product: Debt collection

On XX/XX/2019 the company called my work phone after I had requested them not to in a previous phone call last month. I filed a complaint after that phone call for threatening language about my job. They lied about the transcript. And now they have called my work line again, knowing it is a work line and is not private. It is a shared phone line located on a coworkers desk in a roomful of people.
Product: Debt collection

on XXXX I went to XXXX in XXXX, NJ with a mail offer for phones and services. I went through the start up process, for over an hour and when they tried using the promotion code- it wouldn't accept it. They tried calling the number on the notice and after another 40 minutes- was not getting any help. They said I would have to do this on my own time. 
We cancelled the entire request. ( I have the postvoid receipt ). This should have been the end of this transaction. However, on XX/XX/XXXX I tried to purchase a XXXX gift using my debit card with the last {$50.00} I had, to my name. It was declined. When I checked my bank account it was overdrawn - T-Mobile was pushing through an unauthorized auto-payment for the monthly service fee, for services I never received. I called the store, the manager remembered the transaction and he made sure the autopayment was cancelled so it didn't happen again. I spent another 2 hours on the XXXX " help '' line. A term I use loosely as I was disconnected 3 times and had to restart explaining each time. Finally I was told they see it was an error and that they issued a refund to my bank. It would take 10 business days! I called my bank, put in a fraud claim for the transaction and they also made me wait over 10 days to get my money returned and reverse the overdraft fees. XX/XX/XXXX I receive a " late payment '' notice from XXXX for the original balance and a {$20.00} returned item fee! XX/XX/XXXX I receive the monthly statement for the " charges '' due AND a collection notice from Convergent Outsourcing Inc. XX/XX/XXXX- I got back on the phone with the original store, the manager wasn't employed here any longer and the new one was rude and unhelpful. I called XXXX and they said the refund was already issued back in XXXX and that she has no idea why it recycled and was also sent to a bill collection agency. I have spent way too much time on something I really should not have had to think about after I left the store on XX/XX/XXXX. Over a month later they are sending me bills and collection notices and nobody seems to be able to remove me from the computer system to stop this XXXX. I am trying to rebuild my credit and this is NOT helping. Be aware of shady XXXX  and their offers via mailings or emails or anything for that matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 604A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Mr. Cooper never answered these questions. The Consumer Financial Protection Bureau ( CFPB ) has noted, in its Official Interpretations of this provision, that a QWR is not required to include both types of requests. For example, a qualified written request may request information relating to the servicing of a mortgage loan but not assert that an error relating to the servicing of a loan has occurred. See 12 C.F.R. Part 1024, Supp. I, 1024.31. Even if the note had been originally valid, you can void it by altering it. If you and the debtor renegotiate the terms and sign off on the changes, that's fine ; if you make a change without the debtor 's approval, it's not going to fly. If you bought the note from someone else and it was altered or void before you took ownership too bad. The fact that you purchased the note in good faith won't make it valid. MR. COOPER XXXX XXXX XXXX XXXX, TX XXXX Dear Mr. Cooper, Regarding the letter I sent you dated XX/XX/2019 via Certified U.S. Mail # XXXX, the letter titled QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST. The letter was received and signed for by your representative on XX/XX/2019. ( See U.S. Postal Receipt below ) On XX/XX/2019 your company received a 14-page Official letter from Property Owner XXXX XXXX XXXX. In part that letter read, I hereby demand absolute 1st hand evidence from you of the original uncertificated or certificated security regarding account # XXXX. Do you now claim, that your company ( doing business as Mr. Cooper ), has answered all the requested documents demanded in the letter that you acknowledge receiving on XX/XX/2019, and that you completely and honestly responded in full, and you declare under penalty of perjury that you answers all my questions truthfully and you have supporting documentation for your claims? Please answer Yes or No, did you respond to this QWR? If not, Why? On the Color Copy of what you claim is the Original Promissory Note, there is a yellow area right of the alleged Bank Stamp which is unexplained and appears to be a Post note or similar item? Please explain what that is in detail? Please explain why the Promissory Note signature page on the item you claim is the Original is missing a big X from the original copy I have from the original signing and now there is a alleged stamp signed by an alleged person who is alleged to be affiliated with a bank company? I am demanding, and expecting, that your company does not report any negative comments or missed payments to any Credit Reporting Companies as you have Failed to prove the Authenticity of your Security.  Please provide me with the documents I have requested and a detailed answer to each of my questions within the lawful time frame. Upon receipt of the documents and answers, an exam and audit will be conducted that may lead to a further document request and answers to questions under an additional RESPA Qualified Written Request letter. Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

On XXXX XXXX, 2017, Ally Financial had my vehicle repossessed since the vehicles lease was matured ( ended ). They did not give the customer any notification of this as they failed to contact the customer in regards to his post-lease options such as financing and or extending the lease.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I recently have been sending dispute letters to XXXX, XXXX, and Equifax for a few accounts that have incorrect information and they refuse to update, change or remove these things and remain on my credit report for the past years. 

On XX/XX/year> The Credit bureaus stated : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX  ( Account # XXXX ) were properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report. I have attached the most recent credit appeal letter I sent with all of my verified information along with my proof of identity to all three credit buearos and I have mailed it to each of them again seperately through certified mail. 

Please see into these as I have tried to resolve this with them with no solution and would like it to be rectified.
Product: Debt collection

This is a debt form a bank account that I do not owe money on. I have contacted them about it years ago and its still on my credit report. The derogatory account is keeping my credit score low and keeping me from securing other needed credit lines.