23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX an amount of {$480.00} is being attempted to be collected. XX/XX/XXXX an amount of {$170.00} and {$240.00} is being attempted to be collected. XX/XX/XXXX an amount of {$2500.00} and {$490.00} is being attempted to be collected. Statement date is labeled as XX/XX/XXXX from CMRE.

I have contacted CMRE multiple times over the course from XXXX to present requesting the itemized list of charges. I am provided with bills that do no provide service dates or service types. I made an agreement in XXXX to pay {$78.00} with XXXX ( XXXX ) interest and was paid monthly while still requesting receipts for payments made and what they are going to. I'm told constantly that receipts are " on demand/as requested ''. I've made multiple requests for itemized receipts and have yet to received one. I've called and have a case manager, who's name I do not remember and have left this person many messages with direction as to where to call me and have yet to receive a call back.

The letters I have received from CMRE are payoffs for accounts that are not listed on any bill/demand letter from CMRE. 

As of XX/XX/XXXX I received a letter from another debt collection agency XXXX XXXX XXXX attempting to collect payments of XX/XX/XXXX, {$210.00} XX/XX/XXXX, {$280.00} and XX/XX/XXXX, {$2900.00} XX/XX/XXXX, XXXX for a total of {$4000.00}. These amounts do not match to the amounts by CMRE. 

As of XX/XX/XXXX CMRE on their website published a charge for XXXX with no prior notification of any kind and has called to collect on this debt as well. A bill was requested and as of XX/XX/XXXX no bill has been received.
Product: Mortgage

In my initial complaint to the CFPB I pointed out that the investor WEST COAST Servicing Violated TILA/HOEPA by FAILING to provide me with ANY notices and disclosures of the rate adjusting periodically in violation of 12 C.F.R 1026.20 ( c ) and ( d ) at least 210 days before the adjustment took place as dictated by the CFPB. My rate adjusted in the life term at least 10 times and WEST COAST SERVICING and prior investors not once sent out 1 SINGLE Notice of this. Furthermore, in the discovery documents West Coast sent out in response to the notice of information and error the aforementioned documents evidencing this were not found. West Coast has not produced this to me nor have they addressed this in any of their responses to previous council, myself, nor the CFPB.

This is a defective loan with many inaccuracies and it doesnt seem like West Coast s Attorney XXXX XXXX is advising their clients appropriately letting them know the liability here and future legal issues. 

Once again, I am asking for a response on the aforementioned violations. If West Coast continues to claim that my aforementioned claims are False then please provide the pertaining documentation ; specifically the rate adjustments notifications that should have been sent out. These were NEVER sent out and that is a FACT.
Product: Credit card or prepaid card

This is a second complaint to the pending response of complaint : XXXX I paid this credit card off in XXXX and failed to cancel an automatic payment of {$100.00} that was paid in XXXX. I called today XX/XX/28 and they said I owed interest after I paid off the card. It is an unfair and deceptive practice to charge a consumer interest after the account was paid off. BofA refused to refund my {$100.00} and said that I owe them interest in the amount of XXXX. I want BofA to refund my {$100.00} payment and any interest owed from the 1st complaint.
Product: Checking or savings account

I am writing to formally file. A complaint regarding multiple overdraft fees applied to my account. These fees were assessed, despite having sufficient funds available at the time the transactions were authorized however, due to delayed posting of charges and credits, I was unfairly charged overdraft fees appears constant with finding by the CFPB which identified similar practices by Navy Federal credit union or transactions were set up with insufficient balances, despite initially having adequate funds, I believe these practices are deceptive and unfair
Product: Credit reporting or other personal consumer reports

Please be advised that this is my THIRD WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report you are in violation of 15 USC 1681. On XXXX XXXX XX/XX/year> I have requested that you investigation and reinvestigation the unverified items listed below that remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first and second investigation, you stated in writing that you verified that these are being reported correctly. Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual there address, and telephone number. Also, why did you not send me copies of the verification like I asked? As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the account they report on and their responsibility must consist of something more than merely parroting information received from other sources. The court have order that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ) .You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' XXXX XXXX XXXX XXXX Never LXXXX XXXXXXXX XXXX XXXX XXXX XXXX USDA-4389 XXXX XXXX XXXX XXXX XXXX USDA XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE NOT GIVEN CONSENT TO ANY OF THESE COMPANIES. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE CREDITORS HAVE VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 6 o 2 STATES I HAVE THE RIGHT TO PRIVACY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting act XXXX Account XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me.
Product: Credit card

I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.
Product: Student loan

Navient is untrustworthy, unreliable and unprofessional. 

The site continually does not reflect my payments. The status says " past due '' but the money was taken out of my account the day it was due. I called weeks ago to no avail. The representative told me that it would be resolved shortly. Weeks later it hasn't.This has happened multiple times. Also, it is very inconvenient, because they will no longer be accepting credit card payments online. This is inconvenient, especially since it will be flooded with phone calls and late fees may apply if a representative is unavailable. 

I am afraid my credit, which I finally raised, will be affected because of their technical problems. I feel helpless and powerless. 

I do not know what I can do at this point!
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : 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: Checking or savings account

To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Service Group XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Washington DC XXXX Date : XX/XX/XXXX I am Lodging a formal complaint. I opened an account with Key Bank  while I was residing in XXXX. Since then, I have moved to XXXX XXXX. I retained my bank account and recently received a check from XXXX XXXX in the amount of {$1400.00}. I made the deposit via mobile deposit and the bank ( Key Bank ) determined that there would be a XXXX XXXX hold place on my check until XX/XX/XXXX due to the fact that they doubted collectability on this check. ( Hold Notice Attached ). I fully understand the XXXX XXXX XXXX  being placed due to the fact that this was out of the ordinary type of transaction. But later when I could not access my online banking and my debit card was shut down, I called the bank and NO ONE seems to know why this has happened and why I can not get to my funds. I later was able to contact a person inside a branch on XX/XX/XXXX and was told that there was no hold on the funds but couldnt tell me why they took away my access to my funds. I finally was able to get an XXXX number ( XXXX ) and was told XXXX would be my case manager. I called XXXX and she said she would look into it and she was supposed to call me back on XX/XX/XXXX. I never received a call back and eventually called back on XX/XX/XXXX and spoke with XXXX who said XXXX was in a meeting and would let her know. I still never received a call back from XXXX and once again called and spoke with XXXX who proceeded to tell me that XXXX left for the day. I told her that this was unacceptable and asked who XXXX boss was. She told me it was XXXX XXXX and I asked to speak to XXXX XXXX and was told I was not allowed to. Once again, I asked why the access to my account has been cut off. She claimed she did not know why. Once again, I find this unacceptable that the EXECUTIVE level can not provide the answers. This amount of money may not be much but for me it is my rent and car payment for the month. I work as a ranch hand and this is my lively hood. Every day that goes by I am being penalized XXXX a day for my rent being late, yet I can not get ANY resolution from the bank. Key Bank should be able to tell with its abundant resources to see if the check I deposited was 1. Paid and collected. 2. Legitimate. Key Bank is supposed to let a client know if access to funds have been restricted by any means please see attached. Key Bank is clearly in violation of funds availability and I hope that we can come to a resolution very soon. I feel that if had several million with Key Bank this would not have happened and feel I am being treated as a criminal due to the small amount I have with Key Bank. It may be a small amount but I work honestly and hard for my money. This is bullying behavior on behalf of Key Bank Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Caine & Weiner accessed my Consumer Credit Report without permissible purpose on XX/XX//21. Caine & Weiner did violate my privacy, and does not and has never had my permission to access my personal information.
Product: Debt collection

The account in question was opened back in XXXX by an ex that is now deceased. I have reported it to the original creditor, the FTC, and informed the collection agency multiple times since it was first reported to my credit reports back in XXXX. 

Within the past year, I have contacted the collection agency and the original creditor asking for proof that I owe this debt and they refuse to provide validation. I have disputed this with the credit bureaus and they continue to state the debt was validated without providing any proof. The collection agency is reporting that the debt took place in XXXX which is false and refuses to provide me with copies of bills or invoices. 

I have written correspondence to the collection agency dated XX/XX/XXXX asking for written correspondence showing me that I owe this debt and that it is not past the statute of limitations. They sent a letter back stating it was verified and did not provide me with any proof or remove the collection account from my credit report.
Product: Credit reporting

On XX/XX/XXXX I received a phone call from " XXXX '' from Trans Union. I asked her about a dispute that I placed in XXXX. It had been a while and I had n't heard anything from the dispute so I was trying to get an update. She would n't give me any information and she began asking me intrusive personal questions about my family, making criminal accusations that the negative items on my report might have been done by my family members. She stated that someone disputed items on my credit report in XX/XX/XXXX and they might 've been the same ones to have stolen my identity, but she would not give me information about the inquiries on my file as of today XX/XX/XXXX. Instead of being assisted I feel extremely violated and taken advantage of by this phone call. It was extremely disturbing.
Product: Student loan

I recently learned that I am a class member of the XXXX  class action lawsuit against Navient regarding predatory private student loan practices of which a settlement was reached. I also learned that Navient was supposed to notify me by mail that I am a class member and they haven't. 

On XXXX I received a call from XXXX to both my personal phone and my work, voicemail was left on both. The person who called me violated the Fair Debt Collection practices by stating " we are calling about options regarding your loan '' only. I returned the call on XXXX, it was an attempt to settle and collect the private student loan debt that fall under the class action lawsuit. They are continuing predatory practices and behaviors. I informed the person that I was aware of the lawsuit and failed to receive the notification regarding that matter.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Product: Credit card or prepaid card

On XX/XX/22 I visited the Nordstrom rack in XXXX Colorado. I had a larger purchase and they asked if I wanted to apply for a credit card to save {$40.00} stupidly I agreed I started entering information and the sales clerk said oh our machine is down youre going to have to do this over the phone so she makes a phone call and puts me on the phone with someone who starts asking all sorts of personal information income, Social Security number and date of birth, etc., I started getting very very uncomfortable and told the lady on the phone I was getting very uncomfortable with this conversation and I put the sales clerk back on the phone and the person on the phone told the sales clerk she is not approved for a credit card I said thats fine. I dont want one. Now a few weeks later I get a credit card in the mail from Nordstrom, so they tell me that Im not approved for a credit card and I say I dont want one and then they force one on me anyway, this is extremely concerning
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I send a registered mail letter to credit bureau they have not responded. Second letter XXXX XXXX see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

my address is not correct the apartment number is not listed correctly and there is a previous address listed that is not mine I never lived there
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the bureau a certified letter more than 30 days ago that included proof that the discharged student loans were supposed to be removed from my credit report. I sent them what it studentaid.gov has listed on their website and the letter that was sent to me both stating that when they were discharged due to the school submitting fraud they were supposed to be removed from my credit report. This bureau has intentionally broke the law by ignoring all of my disputes and information and keeping the negative information on report. This has negatively impacted my ability to secure credit and get housing. I have stated this to the credit bureau but they continue to ignore my requests and not adequately investigate and remove the information. I have included proof with this complaint also. I have also included the return receipt I received from the dispute proving it was indeed delivered.
Product: Mortgage

On the month of XX/XX/year> my Mortgage was transferred from BSI financial to PHH mortgage. The only letter that I received in the mail was stated that my mortgage was being transferred to this company. nowhere in the letter did it state that I had to change my bank information and swap over the accounts so they could automatically draft the payments from my account every month. The only time I receive a letter was like XXXX or XXXX months later stating that I was XXXX or XXXX payments late. Now, normally you would think that the company will call the client and let them know that the payment hasn't been made. They say they sent emails but I didn't see anything. I have XXXX properties that I maintain and didn't realize the payment for that mortgage wasn't being deducted from my bank account and the strange thing about this is that PHH mortgage did draft the first payment but didn't draft any other payment and I don't understand why would they draft XXXX payment and refuse to continue to draft the payment or contact me or my wife to let us know what was going on until I was XXXX payments behind. This could've caused me to go into foreclosure and how do I this was there plan to take my house if I couldn't afford to pay the lump sum. I don't believe this predatory lending but this company needs reprimanded or something because I've had mortgages companies get bought out and I have switched mortgages a number of times and this has never happened and now that they have reported this to the credit bureau my score and credit is already damaged and the refuse to remove it from my credit
Product: Credit reporting or other personal consumer reports

I woke up today to find errors on my credit report, and Im completely shocked and confused. Ive been diligent about checking my report, and Ive never seen anything like this before. I thought maybe it was just a glitch and refreshed my browser several times, but nothing changed. These incorrect accounts are still there, and I dont understand how this could even happen. Please, Im pleading with you to carefully review the documents I sent. I need this fixed so I can stop worrying and move on.
Product: Debt collection

the company XXXX tried to collect a debt that i never owed with then and the day opened was on XX/XX/2022 for a debt that was never owed with an innacurate amount and bought from another company. when i never signed any documents this debt collector that must be removed as soon as possible. 

In Accordance with the Fair Credit Reporting act XXXX the Account from, XXXX account number XXXX has violated my rights. 

15 U.S.C 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 an account without my written instructions.
Product: Credit card or prepaid card

During XX/XX/2021 was shopping on Amazon, normally use a debt card was asked if I would like to try an Amazon Chase credit card. I agreed and filled out the necessary forms. According to the agreement if I chose not to enroll in electronic billing I was to do nothing and a paper bill would be sent to me. 
Items purchased were delivered with no issue. 
About six weeks later I had still not received a card or a bill however I did get an electronic message stating my account was past due and late charges were pending. Upon contacting Chase I explained the issue of not receiving a statement and confirmed that they had my correct mailing address. After explaining the situation with no less than six individuals I was finally able to get the account closed and was told I would receive a statement with past due charges dropped. I did receive a statement dated XX/XX/XXXX with {$28.00} in fees and {$9.00} in interest. The total of the statement was in the amount of {$580.00} which was paid in full at that time by check that cleared our bank on XX/XX/2021. 
On XX/XX/2021 I discovered my credit rating had dropped from XXXX. Chase had said that I was delinquent. The same day I contacted Chase again, After Talking to XXXX XXXX, XXXX at Chase, XXXX with the fraud team and finally XXXX. I was told Amazon was Billing Amazon Prime on this account. I confirmed with XXXX that Chase has my correct mailing address when she told me I was set up for electronic billing. I never wanted, asked or applied for electronic billing and XXXX told me I would receive a paper bill with reduced but not cleared late charges which I agreed to pay. To date I have not received any such bill but have been hit on my credit report again .In total my credit report has dropped from XXXX to XXXX due to Chase XXXX 
All I want is a statement in order to pay what I owe. I do not feel I should be forced to pay late charges on a bill or card for that matter that I never received. Also Chase should correct the mess they made of my credit repot.