23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am referencing the account : XXXX XXXX XXXX XXXX : Date Opened : XX/XX/2018, ( Account Number : XXXX ), Account Type : Mortgage. XXXX XXXX XXXX XXXX put a 30-Day Late Payment for the month of XXXX on my credit file inaccurately. XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX is Violating the 15 USC Section 1681 ( d ) ( 2 ) ( A ) ( i ) : Which states : " report containing information as to transactions or experiences between the consumer and the person making the report. In addition, a second violation have been made made under 15 USC Section 6802 ( b ) ( 1 ) : Which states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Therefore, I'm rest assured that I have a good case in a lawsuit. Please do not make me have to go that direction. A 30-Day Late Payment needs to be removed from my credit file immediately, due to COVID-19. I was very ill during the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Therefore, XXXX XXXX put a 30-Day Late Payment negative mark on my credit, which is very awful and is negatively affecting my credit score where it is affecting me from obtaining things for my living situation and business. Then, XXXX is reporting a 60-Day Late payment for the XXXX of XXXX, which is definitely inaccurate. Please remove this 30-Day late payment for the month of XXXX immediately on XXXX and XXXX, and the 60-Day Late payment for the month of XXXX on XXXX. If this is not remove within 15 days, then I will be filing a lawsuit against XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX. Please work with me in this matter to get this updated and corrected immediately. Thanks a lot! 

Sincerely, XXXX XXXX XXXX.
Product: Mortgage

The town of XXXX MA has sent {$760.00} to XXXX XXXX XXXX   on XX/XX/13. The money has not been put back into my escrow account. I have contacted the Bank a number of times and no one seems to know where it is.
Product: Mortgage

If I don't pay my bill in the first week of the month, the lender mails me a notice of my account potentially incurring a late fee, and this is before my payment is officially late. If I fail to make a payment by the end of the month, they immediately mail a notice of intent to foreclose letter to my house. I admit I have not been consistent in keeping my account current and the lender initiated foreclosure proceedings last year but I was able to get approved for a loan modification so maybe there is something in the paperwork that allows them to contact me with threats of foreclosure after one missed payment. During the loan modification process, they continued to proceed with the foreclosure, even though I had successfully submitted a request for assistance. At the time, I brought up the question of possible dual tracking, and they did not acknowledge my concerns. I feel this lender violates consumers ' rights and uses predatory collection practices.
Product: Credit reporting

Payment history is being reported inaccurately by Equifax. This both lowers my credit score AND alters the DOFD, thus ensuring the negative account will remain longer than it should. 

I disputed this account information with Equifax ( XXXX ) and the dispute was completed on XXXX XXXX, XXXX. 

Subsequent to the completion of the dispute, I contacted XXXX XXXX directly, as they had previously sent an update to Equifax as a resolution to a CFPB complaint aginst them directly. I have the payment history in writing ( dated XXXX XXXX, XXXX ) from the original creditor ( XXXX XXXX ) and what Equifax is reporting does NOT match what the creditor assures me is being reported. 

The most egregious errors are Equifax reporting ( XXXX ) 90-day late payment in XXXX XXXX and ( XXXX ) 60 day late payments in XXXX XXXX and XXXX XXXX. These are NOT reflected on the payment history provided directly to me by XXXX XXXX and provided to Equifax.
Product: Credit reporting or other personal consumer reports

I received a phone call this morning shortly after paying a credit card bill online. The phone number came up as " JPMorgan Chase '' but was not any phone number actually associated with JPMCB. 

Phone Number : XXXX The person on the other end of the call said that she was calling on behalf of XXXX  credit reporting and kept asking close ended yes/no questions to which I would vaguely respond but never say " yes '' or " no ''. She was asking about Credit Card information and promised that with my new credit report findingings she could lower ALL my credit cards to below 10 % interest. I let her know I have zero credit cards through Chase Bank and she again stated she was not with Chase bank. I told her I was sick and would have to call back later and she hung up on me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries and addresses made by the following companies : 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 Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting changes.
Product: Vehicle loan or lease

THIS THE INFORMATION BELOW FROM MY XXXX ACCOUNT : THEY KEEP CALLING FOR COLLECTION. 

ALLY FINANCIAL Your information may have changed since XX/XX/XXXX Account name ALLY FINANCIAL Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status : Account charged off. {$13.00}, XXXX written off. {$13.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$26000.00} Highest balance {$0.00} Terms 72 Months On record until XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Received an email on XX/XX/2018 and a phone call Discover wanted to verify the authorized users and I verified the information. I even used my account after we spoke and never knew there was a problem. I called Discover to ask them why I wasn't able to use my account, was informed that my account was closed and that they have the right to close my account at any time, without providing an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed after two disputes to correct inaccurate information concerning XXXX XXXX. This account was paid last year and I have attached the letter from XXXX XXXX stating the account is settled in full. Please correct this inaccurate information.
Product: Debt collection

NOTICE TO CEASE AND DESIST OF REPORTING TO CONSUMER REPORTING AGENCIES & INTENT TO SUE AND WILL SUE PLAINTIFF : XXXX XXXX XXXX DEFENDANT : TRANSWORLD SYSTEMS INC XXXX  number : XXXX SUITCASE XXXX XXXX XXXX XXXX Washington XXXX PA RE XXXX ALLEGED ORIGINAL CREDITOR : XXXX XXXX XXXX ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE {$870.00} CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR XXXX TRANSWORLD SYSTEMS INC STOP VIOLATING THE FDCPA XXXX XXXX EXHIBIT XXXX : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN SIGNATURE XXXX : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT XXXX AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I XXXX TURN THE MATTER OVER TO A CONSUMER ATTORNEY. XXXX XXXX XXXX XXXX XXXX Beneficiary OF XXXX XXXX XXXX not the TRUSTEE UCC1-308 WITHOUT PREJUDICE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXXXXXX XXXX XXXX- XXXX did a background check for a job, and the information on my Transunion was not accurate. I have a chapter XXXX discharged, and Transunion is reporting chapter XXXX as dismissed. I provided the discharged papers to Transunion and Consumer Care. Consumer care took two weeks to investigate and emailed stating the information was correct on my TransUnion report and left it as a chapter XXXX dismissed and sent it back to the employer with incorrect information. Chapter XXXX has been discharged since 2016, and I have been mailing the discharge papers to TransUnion since 2016, and it is still not reporting correctly. I can not pass a background check for employment because chapter XXXX  is discharged and reported as dismissed after I sent the paperwork numerous times. Both companies are responsible for inaccurate reporting.
Product: Student loan

I've tried calling MOHELA multiple times to number listed on website XXXX since XX/XX/22 with no success of customer service representative able to pick-up the phone in a timely manner. Wait times of more than 90, 120, 160, & 180 minutes reported each time I called on XX/XX/22, XX/XX/22, XX/XX/22, & XX/XX/22 to which I would wait more than an hour and give up because I have jobs to attend to. 

I sent a private message through their system on XX/XX/22 asking for assistance with payments, though information on their site states they would respond within 3-4 days ( this information has since been erased from the the direct message contact form page. Whenever I try to contact MOHELA through message again by clicking on their link, it redirects me to contact page with the phone number list above, their listing addresses.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX I have reviewed my credit report and have noticed a few inaccurate addresses and accounts that were not authorized by me. I had lost my wallet and I'm urgently requesting to have the following accounts and addresses removed from report. I am a victim of identity theft and did not authorize the charges. I ask that the items be deleted as they are affecting my report and my financials. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Debt collection

In XXXX of 2014 I dropped a class so the school gave me a credit of money that was left over. Again in XXXX 2014 I withdrew from the school dropping XXXX more classes. I took loans out for each semester I attended classes. I received credit for the two classes that i dropped and I had money left over from my loans. The school is trying to tell me that I owe them money when I do n't. When I log into my student account, I see that someone made changes in XXXX showing that I owe. That is around the same time frame that I had them go over my account because they were sending me letters about the balance due.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$48000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Few years ago my mother, XXXX XXXX, contacted Chase Bank to ask for an Authorized User Credit Card for me, because I was going to college. I just found few months ago that Chase Bank has been reporting this account in my credit as a join account. How that could be possible? I never signed any documents authorizing that. Since I got the card I tough it was being reported as an authorized user account. I have contacted Chase several times asking them to fix this issue. Their answer is : " There is nothing we can do, sorry for the inconvenience ''. Really? 

Here is the account information : Account # XXXX ( do not have the last 4 digits ) My SSN is XXXX
Product: Debt collection

I am disputing a debt that Contract Callers Inc. ( CCI ) is attempting to collect, as I do not owe this debt. CCI claims that public records link me to the service address associated with this debt. However, after conducting my own public records search, I found no records connecting me to that address.

I requested full debt validation under FDCPA ( 15 U.S.C. 1692g ), including : 1. A signed contract or original agreement proving I owe this debt.

2. A detailed breakdown of the charges ( dates, amounts, and payments ).

3. Proof that CCI has the legal right to collect this debt.

4. Copies of any public records linking me to the service address.

Instead of providing the legally required validation, CCI stated that they are not legally bound to provide documentation. Simply providing the original creditors contact information is not proper validation under federal law.

Furthermore, CCI has reported this debt to credit bureaus, damaging my credit, despite failing to validate its accuracy. This is a violation of FCRA ( 15 U.S.C. 1681s-2 ), which requires accurate and verifiable reporting.
Product: Credit card or prepaid card

I made a purchase on my credit card through Paypal. Exactly XXXX minutes after placing the order, I sent a request to the merchant requesting a cancelation after realizing the merchant is a fraudulent company located in XXXX. I have emails that are timestamped showing this. I also disputed the charge with Paypal and my credit card company. My credit card company, whom I also filed a complaint against, told me they denied the dispute because they needed proof the company cancelled the order. Since the company is a fraud, they of course did not cancel the order even after acknowledging that I had requested a cancellation. Their so called policy states an order can be cancelled up until the item ships. The item was shipped 10 days after I requested the cancellation and 7 days after they acknowledged I wanted it cancelled, so basically, they ignored my request in order to generate a bogus shipping label to send to the credit card company and paypal to show they sent something. I have yet to receive anything. Paypal is refusing to dispute the purchase and allowing this fraud website to continue using their platform and scamming people out of money. The merchant is XXXX XXXX  I, they ignored my request to cancel in order to generate a bogus shipping label, and if I ever receive the products, ( doubtful ) their return policy will be past the timeframe for a return and I would have to pay shipping costs to return it to XXXX, if I ever get a hold of anyone in order to send a return. There are plenty of negative reviews regarding this site, which I have attached with this complaint. I have also attached my FTC complaint, their bogus website policies, and all emails sent to this merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from a dealership in XXXX, NJ called XXXX XXXX XXXX XXXX. The bank that approved me for the loan was XXXX XXXX. As of today it is now well over 60 days since the date of purchase XX/XX/21. The dealership engaged in unfair and deceptive business practices, I still do not have plates for my vehicle. The bank XXXX XXXX has not only failed to obtain the vehicle title from the dealership, they have also engaged in unfair and deceptive business practices. 

XXXX XXXX has violated my consumer rights by violating the FCRA. 
They have reported a vehicle loan on my credit report insinuating that I am paying them for a car that THEY DO NOT LEGALLY OWN. The bank has already paid the dealership for the car. THE TITLE WAS NEVER GIVEN TO ME, I WAS NEVER LISTED AS THE OWNER/ FINANCER OF THE CAR NOR WAS XXXX XXXX LISTED AS THE LIEN HOLDERS. 


THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT, NOR SHOULD I BE MADE RESPONSIBLE FOR PAYMENTS UNTIL THE BANK HAS OBTAINED THE TITLE AND ARE LISTED AS THE LIEN HOLDERS.
Product: Debt collection

I have made several contacts to request proof the debt belongs to me. I keep getting bills for a debt that I do not recognize and have requested any documents, signatures or evidence this debt belongs to me. Financial Corporation has refused to comply. 

Disputed this debt on XX/XX/XXXX. Financial Corporation has failed to provide proof of debt with 30 days. Financial Corporation responded with a letter that appears to look possible fraudulent or not a official statement with some medical coding that does not seem to comply under HIPPA regulations. This letter is dated for XX/XX/XXXX. This is almost four months after the 30 day period to provide verification of the debt.
Product: Bank account or service

Capital one bank returned a check even it being my first time with insufficent funds.
Product: Mortgage

I just want to flag for you that mortgage servicing companies are starting to dramatically increase the frequency of transfers for loans being serviced. Most recently, my loan was transferred to Roundpoint Mortgage in XX/XX/XXXX ( this was my XXXX mortgage servicer of XXXX ). 

On XX/XX/XXXX - I received notice that Roundpoint had transferred it XXXX Mortgage. I have no problems paying the mortgage, but I can not because the data to set up an account for me at XXXX has not yet been received according to the customer service agent I just spoke to. I know there is a 60 day grace period, but I now have to wait, go back in a few days, check to see if the loan details have been transferred, and only then set up a new account, pay the outstanding balance, and then set up another auto payment plan. Doing this once every few years isn't a big deal. Doing it XXXX or more times a year is a little over the top. 

When I spoke to the customer service agent at XXXX Mortgage he shared with me that he's seeing a massive uptick in mortgage servicing transfers and warned me to not to be surprised if it is transferred again quickly. This is kind of ridiculous. I'm running around chasing paper, having to share incredibly sensitive Personal Info including my routing and bank account numbers with multiple companies at a time when data breaches are on the rise, and I'm going to have to chase down all this info for my taxes to be sure I'm able to get the mortgage deduction I am owned. Isn't there anything the CFPB can do about excessive mortgage servicing transfers?
Product: Credit card or prepaid card

I need your help in resolving an issue with Chase Bank. 
I have a international visa debit card issued to me by XXXX XXXX  XXXX  XXXX, XXXX XXXX, XXXX. 
This debt card is tied to my bank account with XXXX XXXX  XXXX XXXX. 
Periodically I use this card for purchase or cash withdrawal in the USA. The dollar amount I withdraw shows up as debt in my account ( equivalent XXXX XXXX ) On Tuesday, XX/XX/2019, I use this card with intention if withdrawing {$700.00} from Chase Bank ATM located at. :XXXX XXXX, XXXX XXXX XXXX, XXXX, ca terminal no. 
What I got was a receipt which says the they have charged my account for {$700.00} BUT it also stated that We arent able to give cash right now. Please call us at XXXX I called the number, it was answered by Chase and was told that since I do not have an account with Chase they can not help me. 
Not have an account with Chase I should go to XXXX XXXX  XXXX XXXX, in XXXX to resolve this issue. 
I called the XXXX XXXX XXXX XXXX, they told me that since the Chase receipt says that no cash was dispensed, I should request them to credit my account in XXXX the amount in XXXX rupees. 
Since then I have been talking to local Chase branch, again to the XXXX XXXX  XXXX XXXX, even the Visa people, no one is able to get me the money. 
Attached is a copy of the receipt I got from the ATM and the line item from my XXXX XXXX XXXX XXXX transaction detail showing that they have debated my account for Rs. XXXX ( equivalent to {$700.00} ) Please help me to get my money from Chase, either as US Dollars ( {$700.00} ) or have them credit my bank account with XXXX XXXX  XXXX XXXX ( account number:XXXX ) for Rs. XXXX BANK : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Thank you very much for your help XXXX XXXX XXXX XXXX XXXX