23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020 I used my Chase Bank credit card to make an online purchase from XXXX XXXX XXXX for {$1400.00}. A few days later, i noticed that the tracking number was marked delivered, but I never received my order. I first reached out to XXXX to resolve the issue but was met with extreme resistance. I subsequently contacted Chase to dispute the transaction, only to be placed on a merry-go-round. Chase then contacted me and said that " because there is a tracking number, we can not resolve the dispute in your favor. '' I tried to explain that tracking numbers could not be used as proof of delivery without reasonable doubt, and that it was foolish of the merchant to not give strict delivery instructions to the courier based on the high value of the order.
Product: Checking or savings account

My name is XXXX XXXX, I am a XXXX resident. I traveled to New York by myself for a week and on day 4 ( Sunday XX/XX/18 ) of my trip, I attempted to withdraw cash from a Wells Fargo atm using the card free access code and found that Wells Fargo froze my account in the middle of XXXX XXXX at XXXX. I understood that the bank needed previous transactions verified on the phone and when I called them in I was told I was successful in doing so. I proceeded to try the Wells Fargo atm again. This time it told me I had exceeded the amount of times I could use an access code. I called the bank again and spoke to 3 representatives all which tried to send me a code via text and all resulted unsuccessful because it was all controlled by the database They all stated I would need to wait 24 hours in order to access my money. I was left in XXXX XXXX XXXX, in the middle of XXXX XXXX alone and with NO money to eat or do anything. I booked a ticket back to California that same day due to the severe amount of stress this situation caused me. In addition to this problem, Wells Fargo has charged me over {$400.00} in transfer fees/ {$12.00} ea time from my savings to my checking all in the last 7 months.
Product: Debt collection

Thank you for your recent contact dated : XX/XX/XXXX2019. 

I wrote to you on XX/XX/XXXX 2019, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Product: Mortgage

Real Time solutions continues to report a balance owed to them at XXXX, and XXXX XXXX based upon a 2nd mortgage that was foreclosed on back in 2006. According the Fair Credit Reporting Act, a creditor is only allowed to report inaccurate information on one 's credit report for a period of seven years. However, Real Time Solutions has purposely changed the dates of activity on this account to continue to report it. This is a direct violation of my rights, as outlined in the Fair Credit Reporting Act.
Product: Mortgage

Burdensome and timely process to get private mortgage insurance cancelled. They could have emailed me information, but instead took 4-6 weeks to mail me a simple letter stating that 1. Send a check for A brokers price opinion 2. The cost is {$150.00}. I have to mail a check taking another 7-10days. I have no idea how long it takes them to line up the appraiser, and when they get it back they have another 30 days to mail me the answer. All in, about 3 months to get {$40.00} PMI dropped as my home value rises. And its not automatic when the loan to market value is less than 80 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE THE ATTACHED AFFIANT AFFIDAVIT IN AFFIRMATION OF FACTS. I HAVE ALSO ATTACHED MY LICENSE AND SS CARD FRONT AND BACK SO TRANSUNION KNOWS THAT I AM THEIR CUSTOMER, THE CONSUMER SUBMITTING THIS COMPLAINT. 

Please make notice to this declaration being that one and in of the same as an Affiant acknowledgement of AFFIANT INTENTION of future civil suit for favorable affiant resolution should addressee of this AAAF NOTICE ( Affiant Affidavit in Affirmation of Facts Notice ) be of derelict collection and or reporting of not proven compliant allegations of injurious adversary and or derogatory claims, particularly any and all items of which affiant has here in this statement made notice to in composition. I demand in request that receiver of this declaration accept it as being officially my CONSUMER DECLARATION to ANNUL ALLEGED DATA not requisite reported or else wise not as required CERTIFIED in its entirety as being fully current, true, correct, complete, timely, of affiants ownership, of affiants responsibility, certifiably compliant to all collection and or reporting laws, and or with proven testimonial and documented certificate of said compliant as is mandated by law. Affiant today, here and now, foreverly demands receiver to CEASE activity ( ies ) of adversary or derogatory nature versus affiant, even those of collection and or reporting, or else any action even if not here mentioned!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion as well as each individual company in regards to inquiries that I did not authorize. I have also completed a fraud affidavit that Transunion advised me to complete an all the inquires are still reporting. 
Transunion Credit file number XXXX FTC Report Number XXXX Inquires : 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XXXX   XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12.XXXX  XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was scammed for {$600.00} through XXXX for a nonauthorized transaction, and my bank says I authorized it when I didn't. I found the user and his alt account through XXXX and even XXXX XXXX, and now I'd like my {$600.00} back from him and would like to press charges. 

XXXX account my money went to is XXXX to XXXX XXXX on XX/XX/XXXX Ref # XXXX for powerblocks kettle bell and stand ( which clearly I dont have ). additionally I found his alt account on XXXX as XXXX XXXX email XXXX and for XXXX XXXX XXXX XXXX he's clearly a scammer on XXXX from what ive found. I reached out to my bank and said it was authorized by me which again if they look up the account the money was sent to its clearly fraud as nothing was sent to my address remotely close to the description in the XXXX notes. Dude is a scammer and I need my money back from him asap. 


XXXX police report numbers XXXX is my XXXX report number
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account listed on my credit reports by a collection agency, Diversified Consultants, collecting on behalf of XXXX. Diversified Consultants is NOT licensed to collect in the state of Maryland and therefore I am disputing this collection account. 

Amount : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Portfolio Recovery Assoc added a derogatory mark on my credit report. Upon further investigation, this account was sold and I am not responsible for it. Portfolio Recovery Assoc did not verify this collection. Also, after requesting validation there was no written form of communication, contract or signature for this accused debt. A bill without a signature does not validate a debt. Anybody can send a bill without a written signature and say it's mine. According to the FCRA they violated my rights as a consumer and I am requesting legal action to have this account removed immediately.
Product: Debt collection

LINEBARGER GOGGAN BLAIR & SAMPSON LLP has violated my rights under color of law pursuant to 18 USC 242 and is in direct violation of 15 USC 1692e ( 3 ) has committed mail fraud to 18 USC 1341 by sending a deceptive notice in the mail on XX/XX/2021 stating that they were debt collectors and that they were trying to collect a debt from me. I responded with an affidavit of fact, consumer enforcement action and a copy of the notice that they sent to me pointing out their violations of the Federal Debt Collection Practices Act ( FDCPA ) Title 15 of the United States code sent via United States Postal Service certified mail and LINEBARGER GOGGAN BLAIR & SAMPSON LLP has received my affidavit of fact, consumer enforcement action and copy of the notice pointing out the violations of the Federal Debt Collection Practices Act via certified mail number XXXX XXXX XXXX XXXX XXXX on XX/XX/2021and has not complied with my demands as a consumer pursuant to15 USC 1692c ( c ) ( 2 ) and they responded by sending me another deceptive notice via United States Postal Service still trying to collect a debt from me which constitutes mail fraud pursuing to 18 USC 1341 and is in direct violation of 15 USC 1692a ( 2 ) and 15 USC 1692e ( 3 ) which clearly states a debt collector may not use any of the force, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing the following conduct is a violation of the section the false representation or implication that any individual is an attorney or there any communication is from an attorney. There is no proof to the contrary. 

Notice that you are defined as a debt collector Pursuant to 15 USC 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 USC 1692c ( a ) ( 1 ) ; Fact, I am aware and have proof in the attachment of the fraudulent documents that you furnished to me through the United States Postal Service which constitutes mail fraud pursuant to 18 USC 1341 that all bills and coupons are the obligation of the United States pursuant to 18 U.S. Code 8. 

Take further notice that her failure to follow these federal laws will be XXXX XXXX evidence of willful noncompliance Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ), civil negligent noncompliance Pursuant to 15 U.S. Code 1681o and criminal liability for willful and knowing violation Pursuant to 15 U. S. Code 1611 ( 3 ) ; Take further notice that LINEBARGER GOGGAN BLAIR & SAMPSON LLP, violator of my rights under color of law, you have been informed of U.S. Law and informed that if a settlement is not reached within 10 days charges will be filed in the Civil Rights Division of the Department of Justice and/or with the United States District Attorney and/or in the U.S. District Court for willful violation of my U.S. Civil rights.
Product: Mortgage

XX/XX/XXXX I received my property tax bill from my town. I immediately asked for ( in writing ) an abatement from them because they had omitted the homestead exemption. The amount they assessed in error was $ XXXX.The correct amount was in fact {$980.00}.

( The taxes were due XX/XX/XXXX ) On XX/XX/XXXX I was granted the abatement by the town and my taxes due amounted to {$980.00}. I mailed letters about this change to my servicer, Fay Servicing at 2 addresses they listed, as well as emailing my account manager on XX/XX/XXXX.

On XX/XX/XXXX I got an email from Fay Servicing saying my taxes had been paid to my town for {$1200.00} ( more than was due, even if the original bill had been correct. ). There was no mention of receiving my letter that the original bill had been in dispute, and not to pay that amount until I got this sorted out. I had my sister call Fay on XX/XX/XXXX and left a voicemail for my account manager saying the taxes were paid in excess. ( Im hearing impaired and do not use the phone ) That check was not cashed and Fay voided the check on XX/XX/XXXX.

On XX/XX/XXXX Fay remitted the corrected tax amount to the town for {$980.00}.

That is issue # 1 I have with Fay : paying the incorrect amount although they had advance notice my original taxes were in error. Even then, Then the taxes were paid late.

My 2nd issue is that today XX/XX/XXXX I received a letter from my homeowner 's insurance company that my policy was cancelled due to nonpayment. My monthly mortgage payment includes an escrow account from which taxes and insurance are to be paid. The insurance was due XX/XX/XXXX. My insurance agent had sent Fay the insurance bill on XX/XX/XXXX.

When my agent today ( XX/XX/XXXX ) talked to Fay about the home insurance he told me they ( Fay ) were off nearly a month on my coverage dates comapred to what my insurance company has. The lady he spoke to was going to " make the necessary changes. '' This happened last year too ... .Fay didnt pay the insurance on time and I had to sort things out with them and the insurance company. I also get charged more because the bills are paid late.

I also have an issue with Fay not setting up the initial escrow account on time. It took them 2-3 months to set up the escrow, then only after I asked " why dont I see payments going into an escrow? '' The answer was " whoops, sorry, oversight. '' My last complaint is that the customer activity statement is so convoluted that I am having trouble understanding it ... .And there are several late charges noted although since Fay took over my servicing I have never been late nor missed a payment. There are also charges for property preservation in spite of my questioning this on the basis of never having left my home, and always maintaining my wish to live here permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

from XX/XX/XXXX to XX/XX/XXXX, credit9/americo financial draft over {$21000.00} from my bank account
Product: Money transfer, virtual currency, or money service

I was solicited to purchase shares of stock in XXXX XXXX ( NASDAQ : XXXX XXXX by the broker XXXX XXXX XXXX on XX/XX/2020. 

XXXX XXXX XXXX instructed me to transfer the cash for the purchase to their account with XXXX XXXX XXXX through their account with First Republic Bank. 

Since that time, I have become aware that XXXX XXXX is a fraudulent bucket shop. Evidence is here : XXXX XXXX XXXX I have also become aware that XXXX XXXX  XXXX is engaging in fraud.Here is the evidence of the fraud : XXXX XXXX XXXX XXXX XXXX //XXXX XXXX XXXX XXXX So I am now reporting to you that First Republic Bank is providing account services to a company engaged in securities fraud : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX The account is with First Republic Bank, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX [ XX/XX/2024 ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute Letter Regarding Collection Agencys Violation of Consumer Rights Dear Consumer Financial Protection Bureau , I am writing to formally dispute the actions of [ Exeter Finance LLC ACCOUNT NUMBER XXXX ], which I believe to be in violation of my rights as a consumer under federal law. Specifically, [ Exeter Finance LLC ACCOUNT NUMBER XXXX ] has not adhered to the requirements set forth in 12 CFR 1006 ( Regulation F ) and 15 USC 1681 ( Fair Credit Reporting Act ). I request your assistance in addressing the following violations : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : [ Exeter Finance LLC ACCOUNT NUMBER XXXX ] has not provided validation information regarding the alleged debt, as required by law. Despite this, they have reported this account to consumer reporting agencies, adversely affecting my credit.

2. Denial of Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ) : I have not been given the legally mandated opportunity to dispute this account. The agencys actions deprive me of my right to challenge the validity of the debt and are therefore non-compliant with Regulation F.

3. False and Misleading Practices ( 12 CFR 1006.34 ( d ) ) : By furnishing this account to consumer reporting agencies without providing the necessary disclosures and validation, [ Exeter Finance LLC ACCOUNT NUMBER XXXX ] is engaging in deceptive, misleading, and misrepresentative practices. These actions are in direct violation of the rules governing fair debt collection.

4. Violation of Fair Credit Reporting Act ( 15 USC 1681s-2 ( a ) ) : [ Exeter Finance LLC ACCOUNT NUMBER XXXX ] has no authority to furnish information to consumer reporting agencies without first meeting all disclosure requirements outlined by federal law. Their failure to comply is a clear breach of the Fair Credit Reporting Act, specifically Section 1681s-2 ( a ). 

These actions by [ Exeter Finance LLC ACCOUNT NUMBER XXXX ] have caused undue harm to my credit profile and personal finances. I kindly request that the CFPB investigate this matter and take appropriate action to enforce compliance with federal laws. 

I also ask that you ensure [ Exeter Finance LLC ACCOUNT NUMBER XXXX ] provides full validation of the alleged debt, removes the unauthorized collection entry from my consumer report, and ceases any further reporting until they meet their legal obligations. 

Enclosed, I have attached copies of relevant documentation to support my claim, including my consumer report and correspondence with [ Exeter Finance LLC ACCOUNT NUMBER XXXX ] ( if applicable ). 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me at [ XXXX ] or [ XXXX ] for any further information. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with 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 XX/XX/year> to XX/XX/year> 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 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

on XX/XX/XXXX Mr Cooper the loan servicing company and XXXX  holder for my house discharged the mortgage. They mailed and emailed me a statement showing that the remaining balance was discharged. Their statement was confusing to say the least. on the top right corner they have a date of XX/XX/XXXX of a payment of {$100000.00}, within that same page in the center that amount of {$100000.00} states that it was discharged. When i call to get a better explanation they said that its not discharged and they are no longer servicing the loan which makes no sense. I have called over 8 times and spoken to multiple agents and neither seem to help or be able to tell me when the discharge of mortgage will be sent. 

each agent said to me that XXXX XXXX is now handling the loan. When i call XXXX XXXX they state that they are not handling the loan and sent it back to mr cooper. 

I then ask them to provide me a copy of the discharge of mortgage and its been over 60 days pushing 90 days with no letter/copy of the discharge whether its satisfied or not. If they discharged it as they stated to me over the phone and by the statement they provided to me, why have they not sent the discharge to XXXX XXXX office to be recorded. Due to this I am not able to do anything with my house. This unlawful XXXX  is still recorded against my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

loan with XXXX XXXX loan number XXXX reported to them back in XX/XX/XXXX that this mortgage was not reporting a credit agency for both my wife and I was told they would start reporting Had my credit pulled for a VA cash out refinance and found out still not reporting to any credit agency was told that is was because we had a chapter XXXX BK and it needed to be reaffirmed after agent Annup # XXXX found out we reaffirmed with XXXX that it will have to be go to their BK department now I was on hold for 45mintues and still on phone Agent told me that it shows that we reaffirmed with XXXX even XXXX serving reported up until XX/XX/XXXX as reported on updated credit report. 
XXXX agent has no pull to correct this and now have been told it has be submitted their credit operation department to investigate I Need this to report to all 3 credit agencies for both my wife and I to finish our refinance
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy is showing on my file. I have never filed for bankruptcy.
Product: Debt collection

I received a collection notice from Midland Credit Management informing me of a debt in the amount of {$14000.00} for a XXXX account. I have disputed this charge as the provider and address for services was in Florida. I have never resided, or had services provided by anyone in the state of Florida. The result of disputing this charge I was informed that they believe the information is accurate. I was then advised to file a police report, which I have. XXXX County Sheriff 's Office Report XXXX XXXX. 
I continue to dispute the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the late payments showing on my account for National Credit System which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX/XXXX  # XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.