23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

This complaint is filed against EAST WEST BANK, headquarter located in XXXX, CA. I have a business account with this bank, our funds in this bank got stolen several times by ACH online unauthorized withdraws starting last year. The bank refunded me last year for the money stolen from them online system for over {$8000.00}. I changed the account number with East West bank recommended by the bank stuffs aftervise. However the illegal unauthorized ACH online withdrawn happened again on XXXX XXXX, 2015 for {$16000.00} with this new account. The bank now refused to refund me for over XXXX weeks now. I contacted the bank for a lot of times by phone calls and emails. But they said due to this is business account, we are not protected by consumer 's right of 10 days refund rule. They ever recommended to contact the criminal to solve the problem. I never knew this so called merchant and never authorized any payment to this company. But I still called the number provided by bank. First time they provided the number went to someone 's voice mail with the voice mail was full. Then they gave me another number went through a guy was the previous employee of this company. Say no more, the company 's business is phony and maybe online criminals. I think my bank account shall be XXXX liabilities for the funds was stolen from online ACH, without anyone authorization. We never knew this company and never had done anything with the so call merchant. 

Clearly, the bank is still refused to refund our money back even I reported them the contacts i made with this company. I reported to the local policy station by no choice. 

Please help us, the funds are very important for we are small business. We wo n't survive if the bank still not refunding me. 

Thanks
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, I trust this communication finds you well. I am writing to address a matter of significant concern pertaining to a debt under your management, which has had a detrimental impact on my credit score. I sincerely hope that we can engage in a constructive dialogue to promptly rectify the damage caused and reach a fair resolution. 
Upon discovery that XXXX XXXX XXXX is pursuing this debt without my prior notice or consent, resulting in the creation of a collection account, my creditworthiness has been substantially affected. This has raised serious concerns about potential violations of consumer protection laws, emphasizing the importance of transparency and fair business practices.
Product: Debt collection

Paradigm Asset Recovery LLC violated the FCRA and I intend apon seeking a Public Right of action against them. They entered XXXX my private property affixing a fraudulent Court documents in plainview for all of my neighbors to see as well as my children stating they had obtained from the XXXX XXXX courthouse a judges signature with a Order Regarding Alternative Service that proof was swore to by a XXXX XXXX a representative of XXXX XXXX XXXXXXXX XXXX  at the bequest of Paradigm Asset Recovery under penalty of perjury stating its contents were true! I went to the courthouse and have copies of said fraudulent documents that WERE INDEED NOT SIGNED BY THE JUDGE ORDERING ALTERNATIVE SERVICE but quite the CONTRARY the motion was DENIED! Paradigm Asset Recovery and its attorneys then took their fraudulent document they affixed on my private property and filed a Proof of SERVICE! All of which is completely illegal! I am now waiting for the judgment they fraudulent obtained through the courts with their illegal actions to file a personal injury suit! Not to mention I deny all knowledge of the debt they were even trying to collect! AND THE SIX YEAR STATUE OF LIMITATIONS TO COLLECT A DEBT IN THE STATE OF MICHIGAN HAS EXPIRED per the XXXX report I obtained and had this FRAUD against me had not occurred a judgement ( which im assuming they received ) would not of been possible! I deny any and all knowledge of said debt and your actions are unscrupulous your tactics deplorable and you behavior irreplaceable damange has occurred on the part of Paradigm and its attorneys!
Product: Student loan

my student loans have been in default for a couple years. In 2014, I contacted the debt collectors for the loans and set up consistent payment plans. I turned in all the paperwork several times and even sat down with the consultants over a dozen times to fill out the paper work the exact way they needed it. They keep losing my paper work and kept telling me I needed more and more stuff to send in. Finally I talked with the manager and he gave me everything I needed to turn in and I completed it all. He told me that my student loans would take 6-8 weeks to be out of default. After not hearing from them for 3 months ( and still making my monthly payments which now was over 14 months of paying consistently ) someone finally called me and said I needed even more paperwork. I would like to start college again but I cant because these people will not get it together.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report from all 3 bureaus Experian XXXX XXXX and XXXX. 
I have tried to reach out to all parties involved and yet they are on all my reports.
Product: Debt collection

I called debt collector Jefferson capital they informed that they cant give me validation of information for debt unless I pay a fee first with my credit or debit card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$220.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had scheduled a time for XXXX XXXX to come and do the installation however, their technician was a no-show. I immediately contacted customer service with XXXX XXXX and told them that their technician never bothered to show up and never communicated with me why he was a no-show. I cancelled my service and I was told by the representative at XXXX XXXX since their technician failed to show up for his appointment that cancelling would not result in my owing any money on this account and that this account was in fact closed. I did not know that XXXX XXXX had sent me to collections until I obtained a copy of my credit report. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

NCC BUSINESS services keeps trying to ruin my credit by charging me for something that is not mine! Ive tried to dispute and identity theft! They have threatened me when I call to ask for removal.
Product: Checking or savings account

I had a frudgulant charge on my account. I origional declined the charge through wells fargo and then it was approved the next day. After the dispute wells fargo denied the dispute. The merchant or the bank will not help me and how it stands currently I have no product that I was supposed to recive and still charge the money.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and contacting about fraud on my Experian account according to the hard inquiries on my account and have wrong and incorrect information on my account that I have no knowledge of and want them removed. 
( Hard inquiries ) NAME : XXXX XXXX XXXX INQUIRE DATE- XX/XX/XXXX, TYPE- Bank credit card NAME : XXXX XXXX XXXX, INQUIRE XXXX, TYPE- Bank credit card NAME : XXXX XXXX XXXX, INQUIRE XXXX XX/XX/XXXX XXXX TYPE- Bank credit card NAME : XXXX XXXX XXXXXXXX, INQUIRE DATE- XX/XX/XXXX, TYPE- Bank credit card NAME : XXXXXXXX XXXX INQUIRE XXXX XX/XX/XXXX, TYPE- Bank credit card NAME : XXXX, INQUIRE DATE- XX/XX/XXXX TYPE- XXXXXXXX XXXX XXXX According to XXXX5 USC 1681b ( 2 ) due to my identity being stolen and the negative items on my credit report don't belong me, and it have been interfering with my everyday living.
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) andthe United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Product: Credit reporting or other personal consumer reports

I mailed letters to credit bureau asking for them to please look into these accounts and to also send documentation with my signature or the original contracts. They responded back saying they checked but they sent no evidence that I asked for.
Product: Student loan

On XX/XX/2018, I mailed a letter to Great Lakes loan. In the letter I asked to make extra payments in exchange for the letter of indebtedness. The letter of indebtedness is the Mastery Promissory Note. I have doubts about this loan and whether or not it belongs to me. Great Lakes responded to my letter dated XX/XX/2018, informing me of the numerous options for paying the loan. Then Great Lakes loan suggested that I logon to student loans.gov to obtain the Mastery Promissory Note.

I did what Great Lakes loan suggested and I logged on to  studentloans.gov. I clicked on Mastery Promissory Note which read No Record Found. I mailed a second letter on XX/XX/2018, asking again for the letter of indebtedness ( Mastery Promissory Note ). Also I attached my results found on student loans.gov. Great Lakes response dated XX/XX/2018, saying they need clarification of what Im asking for. I believe that Great Lakes loan is giving me the runaround about the Mastery Promissory Note. I cant seem to get a straight answer with them. I want proof that I owe this loan. I want to see the alleged signature that I signed.
Product: Credit reporting 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 in the amount of {$1400.00}, has violated my rights. XXXX XXXX in the amount of {$0.00} has violated my rights. XXXX XXXX XXXX in the amount of {$240.00}, 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 reporting or other personal consumer reports

-Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts XXXX XXXX XXXX XXXX - This account is being reported inacqurately, please remove this from my credit report immediately.
Product: Credit card

On XX/XX/2024, I filed a complaint regarding Synchrony Bank ( Complaint ID # XXXX XXXX ) with respect to this bank and their policy regarding e-statements. I would like this to be added to that complaint. ( I did not see a way to 'add ' to it. ) In an effort not to make this longer than it needs to be, I ask that you please refer to the complaint ID listed above for more information regarding the legalities I found re e-statements. Thank you in advance. ) I just received an email ( attached ) from Synchrony stating they have switched my paper statements to online e-statements. The email states if I want paper statements need to go online dn take action. I believe this is in violation as credit card companies can not make e-statements a default, nor cn they coerce or force a consumer to get e-statements. The manner in which a consumer get their statements is up to the consumer -- not the credit card company. 
Should you have any questions, please feel free to contact me. 
Thank you for any assistance you provide me. 
XXXX XXXX XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

After multiple attempts, filed police reports multiple disputes these inquiries were never resolved either the company removed a few that were fraudulently made or none at all. Im looking for justice in my personal information being used on the XXXX  web. I tried to reason with this company in the removal of the inquiries nothing is being taken lawfully. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 i called time payment corp and gave them my Account number on my credit file. they gave me a number to their legal department. i called then i gave them my information they acknowledge i filed for bankruptcy. then they gave me another number to call, called numerous times and left a message to get back with me, no one got back with me. prior to that i disputed my case with XXXX  more then once uploaded all legal documents. the dates XX/XX/20 XX/XX/20. they sent back false information to XXXX and said my case was accurate as i still owe them the debt. thats not true my bankruptcy is discharged. i disputed bankruptcy petition and discharge and my account is still open. i also disputed with other accounts on my documents upstart, XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/20. the disputed was for to update to bankruptcy discharge chapter XXXX no results. showed all documents also. file disputes XX/XX/20 to update bankruptcy chapter XXXX discharge with XXXX XXXX and XXXX for the account XXXX XXXX and upstart. i did not contact XXXX XXXX, upstart or XXXX XXXX XXXX XXXX just disputed them no results. by law with legal document my rights are being violated. all accounts should show bankruptcy discharge chapter XXXX with {$0.00} balance. thank you
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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: Mortgage

Previously, the lender failed to pay the insurance on the property from the escrow account. After calling, promising the issue has been resolved, I continued to receive delinquent notices from the insurance. The bill which was due I notified them of the delinquent payment on XX/XX/2021. The bill wasn't paid until XX/XX/2021. 

Currently, the lender has failed to pay the property taxes from the escrow account and there is a late fee. I was told this has been " escalated to management '' but I can not contact anyone, and can not get them to just pay the bill. 

This appears to be a habitual problem with their escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX child support, # XXXX child support, 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.
Product: Mortgage

New American Finding is refuse to produce full production of mortgage loan documents to proof that they are factually loan me their money from their bank account. I believe that my Promissory Note when signed is become an negotiable instrument security and the loan is paid in full. New American Funding is a fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX aka XXXX XXXX XXXX aka XXXX possesses countless disputes here that are ignored, refuse to fix, or find a loop hole to get rid of dispute all aimed and intended to do nothing about the false data and to make sure that the false harmful data is always there with maximum harming qualities. 

1. The contract is unenforceable my performance excused because it was the result of fraud and they know it 2. The contract was canceled within the three day statutory time period 3. No payments were ever made 4. Payment for XXXX check XXXX was illegally misused to make fake fraud payments. Violation ca fin code 5. Payment for XXXX check XXXX was illegally misappropriated in breach of contract provisions in the contract enforced Remove this account from my credit file. It contains false fraudulent harmful information and u know it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX Customer Service Center I renewed my XXXX Lease ( traded in XXXX XXXX XXXX  for a XXXX XXXX XXXX in XX/XX/XXXX ). I normally have my lease payment set up on autopay and I was under the assumption that nothing would change with the new lease starting since it was still with XXXX and it was a simple swap. It was not until I noticed that a paper bill showed past due that I realized something was wrong. At that time, I immediately scheduled the full payment to catch up the bill to be current on XX/XX/XXXX ( only 34 days late for the XX/XX/XXXX payment ). I then went and made sure that it was again set up for autopay later in XXXX. Prior to this paper notice, I never received any notices or warnings or any sort of information that would let me know that XXXX would report a late payment to the credit bureaus, especially for a payment that was 34 days late and was paid in full immediately. 

All I am requesting is that this late payment be removed from my credit report. I have no other late payments or any blemishes on my report and I do not feel that XXXX handled this situation with any sort of professional due diligence. Had I received a phone call or anything of that sort, I would have paid it immediately, but no communication was received until it was too late and I was never informed of the late payment being reported until I was attempting to refinance my home and the mortgage broker let me know.
Product: Credit reporting or other personal consumer reports

Despite my best efforts I cant seem to get the credit companies to pay attention to the fact that the two derogatory collection accounts are related to if theft. FCRA law requires the companies to block that information within a five day period of time
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX Account number : XXXX, Account name : XXXX XXXX  Account number : XXXX, Account name : XXXX XXXX Account number : XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In General, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15USC 1681s-2 they are supposed to no 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.