23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have requested they stop calling me and contact me by mail only. They are still harassing me by phone. I have also requested validation of the alleged debt including the purchase agreement. I have not received the information by mail and they are still contacting me by phone.
Product: Mortgage

We placed our home on the market in XX/XX/XXXX. In XXXX, a couple who was pre qualified by Chase Mortgage, signed a contract to purchase our home with a closing date of XXXX/XXXX/XXXX. Because the buyers were pre qualified, we began searching for a home and also signed a conitingency contract. On XXXX/XXXX/XXXX I contacted our real estate agent to follow up with the buyers agent on us closing on XXXX/XXXX/XXXX. We were notified that the buyers had a small hiccup on a stypend issue which would be cleared up by XXXX/XXXX/XXXX. All parties agreed to sign an amended contract for XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I again inquired to make sure we would be closing on the date the contract ended. To my knowledge no other issues were discovered with the buyers financing, so everything should have been ready for the contracted closing date. On XXXX/XXXX/XXXX, we were Informed that a supervisor from Chase was assisting in the loan and was working to make the XXXX/XXXX/XXXX closing date. Based on the facts there were no other issues with the buyers financing, but a case of someone at Chase not doing their job. On XXXX/XXXX/XXXX we were informed the buyers signed their preliminary closing documents and completed a waiver so that they would be able to close on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX XXXX,! we were notified by the buyers agent that the waiver was denied and we would again have to sign an amendment to close on XXXX/XXXX/XXXX, so the buyers would be in compliance with the TRID laws. The bottom line : Whoever was in charge of this loan is either incompetent or lazy. The only recourse we have as a seller is to punish the buyers, who did nothing wrong, and terminate the contract. There is no punishment for lending institutions for not doing their job. I used a different lender in my home buying process and we were ready to close on XXXX/XXXX/XXXX. In the meantime, I have exhausted 3 weeks of earned time off for nothing at a cost of about {$5000.00} dollars, and XXXX dollars on a rental truck, because of the late notification. Not to mention the inconvenience of living out of boxes and suitcases expecting to close on a contracted date only to be told on 2 separate occasions we were not closing. This is unacceptable and I would like someone to tell me why Chase is not liable for incurred expenses by both parties.
Product: Credit reporting or other personal consumer reports

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

I had my credit report pulled from the credit bureaus, to see what was on my report for monitoring purposes. I noticed that there were a couple of collection debts reported by a Company called XXXX XXXX XXXX, XXXX the amount of both accounts is {$0.00}. However, the company is reporting that the account was paid in full for less than the full balance. I sent XXXX XXXX a validation of debt certified letter on XX/XX/18. While I did receive response letters within the required 30 days, I didnt receive evidence bearing my signature, showing that I ever had a contractual obligation to them or the original creditors. At this time, I am seeking assistance in having XXXX XXXX remove both debts from all three credit bureaus since they were not able to provide acceptable proof of validation of this debt bearing my signature, and not just a printout of an alleged debt.
Product: Checking or savings account

On XX/XX/2018 I went to the XXXX XXXX XXXX for service ( carwash ). The transaction amount was for {$26.00} XXXX {$21.00} for the wash and a {$5.00} tip ). I attempted to use my Bank of America debit card. The attendant took several swipes with my card before handing it back and telling me that it was rejected. I then provided my Bank of America Visa card and completed the transaction. A few minutes later, my wife called to tell me that our checking account had a pending post for {$20000.00} to the car wash. She immediately contacted B of A to dispute the transaction. B of A removed the transaction. On XX/XX/2018, the {$20000.00} was withdrawn from our account rendering a negative balance. We again contacted Bank of America and established a case file objecting to the transaction. We after doing so, I visited a local branch and spoke to the branch manager who informed me that there was nothing that could be done. In fact, it could take up to 90 days to resolve the problem! While with the bank manager we contacted the merchant and he was adamant that the transaction had not taken place and therefore didn't need to do anything. I informed the merchant that my next stop would be to the police department. As I pulled up to the PD, the merchant called to tell me that he was incorrect and that he did have my money. In a 3-way phone call with his processor, it was agreed that the merchant would issue a reverse charge to my debit card. The processor has provided their evidence that the reverse charge was made on XX/XX/2018. As of this correspondence ( XX/XX/2018 ), we have not seen a posting to our account and B of A is not willing to provide any relief. This was not my mistake, yet the bank policy seems to lend to taking care of itself versus taking care of its customer. Because the bank allowed the transaction to go through, we are significantly negatively impacted and now have no way to meet our financial obligations. I've received nothing but canned responses on each of my calls and the obligatory " Have a nice day ''! While I've received many comments from B of A employees that they've never seen a $ XXXX car wash, I've gotten no help from them whatsoever. Between the merchant and the bank, we are now in financial difficulty.
Product: Checking or savings account

On XX/XX/2022 I was sent a text by Wells Fargo that said my account was put on hold and to press the link to fix it. I did not know not to press on links and it turned out to be a scam. Once I did that they has access to everything on my phone including banking information. plus after that my phone could not make or receive phone calls or texts, it was compromised. The next day, I signed into my online account only to see our savings account was hacked into and they cleaned us out of {$8000.00} and {$30.00} service charge with a online transfer to XXXX through XXXX XXXX. We filed at least XXXX fraud claims. Well Fargo denied us every claim and said that we did it or someone we gave permission to, did it which we would never do either. Now we are out of all of our savings and Wells Fargo will not honor their guaranteed online fraud disclosure, so myself, my wife and all XXXX kids are out of our savings at the total of {$8000.00}. Also on XX/XX/2022 we went to the bank, the day it happened to talk to a banker and he said it was purely fraud and that Wells Fargo already red flagged it. So we are confused why the transaction was not stopped. It was still pending and they could have stopped it from going through. We have all sorts of supporting documents in a folder we keep and can fax them to you or email them. I don't know how to attach them.
Product: Credit card or prepaid card

In XX/XX/2018, I was a XXXX-old XXXX student with barely any credit history and an income of {$25000.00} per year, most of which came from student loans. That month, I applied for a credit card at Capital One to build a stronger credit score. 

To my surprise, I was approved for a credit line of {$10000.00} at a XXXX. At the time, I thought that I would be responsible and would not use the entire credit line, so I accepted the card agreement, not truly knowing what it meant. 

Within the first month that I had the card, I had already spent {$830.00}. As time went on, I used more and more of my credit until I had none left. Today, I owe {$10000.00} to Capital One with interest. My current minimum payment is {$1100.00}. I only have a spendable income of {$100.00} a month. My credit score is now at XXXX. Before opening this card my credit was very good. 

When I opened the card, I had every intention of paying every cent of the money that I owed. I continued to feel that way until a few months ago when I could not make a payment because I could not afford it. Now, I am XXXX payments behind because they keep getting bigger and I still can not afford to pay. 

It is a predatory lending habit to extend a credit line worth almost half their income to young people with little credit history. When I applied for this credit card, Capital One knew my age, my income, my occupation, and my credit history. They knew that it was risky to give me any credit line, let alone such a large one. They attached such a high-interest rate because I was a risky lender. 

If it were not for Capital One 's predatory lending habits, my credit would not be ruined for years to come just when I am trying to begin my life. I can't make payments on this card so my credit will only get worse.
Product: Checking or savings account

On XXXX XXXX I opened a 10 month cd at Citizens Bank paying over 5 % interest. The amount of the cd was about {$50000.00} and it accumulated $ XXXX {$240.00} a month in interest. I never received a renewal notice at the end of the term from Citizens Bank and they renewed the cd at a rate of .25 % which paid {$11.00} a month in interest. This continued for XXXX  months. I contacted them last week and they told me they would not retroactively adjust the rate to the market rate of more than 5 %. I spoke to the manager and asked to speak to his boss when I was not happy with his response. He would not give me his boss 's telephone number but said he would call me if I gave him my number, which I did. I never received a call from him. What a surprise. I did ask the manager to produce a copy of the renewal letter which he tried to find online but was unable to locate it. This all took place at the branch in the XXXX, XXXX. I then called an XXXX number for customer service and spoke to a representative. This person basically said this is what transpired too bad. I have no other option but to try your office to recover an interest penalty of {$44.00} and an early withdrawal penalty of {$50.00} plus XXXX months lost interest of {$450.00} for a total of about {$550.00}. It just doesn't make sense to think in any way it was reasonable to renew the cd at a rate of .25 %. There is no way this can be justified. Thank you for your help. You can't treat customers this way.
Product: Debt collection

Company sent a notice out XX/XX/XXXX to collect debt for XXXX XXXX- in the amounts of A {$370.00} and {$19.00} -- -- -- account number appears on letter XXXX we settle the account and sent a check to the company XX/XX/XXXX Check was cashed ( check # XXXX ) by this company We get another notice for the same account in the amount of {$760.00} with the same account number XXXX They have collect the payment to settle this account now they want to settle the account again for a different amount. 
Service were render over a year ago ( XXXX ) with XXXX XXXX, payment was made and account settled This is called double dipping, unfair business Collections Practices which is in violation of law
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$140.00} XXXX  XXXX {$2100.00} XXXX  XXXX {$190.00} DPT ED XXXX XXXX {$1700.00} DPT ED XXXX XXXX {$3000.00} DPT ED XXXX XXXX {$1700.00} DPT ED XXXX XXXX {$3000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, illegitimate Creditor and Account : XXXX XXXX acct XXXX XXXX  HAS violated my rights. 

15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS. 

15 U.S. Code 1681c2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, this fraudulent account in which i never gave written instructions to anyone to open or report in my name, has violated my rights. 

Negligence and Willful Non-compliance. 
I am prepared to SUE all parties involved. All Actual, Statutory and Punitive damages will be enforced. *Up to but not limited to {$1000.00} usd per month per illegal reporting.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 i tried to send money to XXXX using the money gram app. I sent XXXX dlls and also i was charge XXXX for the transaction fee. The transaction was cancelled by money gram on XX/XX/2019 and they told me that i was getting a refund within 10 working day, after ten working days i didn't receive any money so i called them back, they told me to wait another 3 working days so they can figure out what happened. O call back again today XX/XX/2019 and they told the case was closed and that they dont have any money to refund because the transaction never happened. I called my bank and money gram charge my card on XX/XX/2019 for XXXX and never refund any money back. Bank transaction number # XXXX. Money gram reference number # XXXX. My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX phone # XXXX.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) by failing to provide transparency and accountability in your collection practices. XXXX XXXX XXXX XXXX I am also attaching the reposne from XXXX XXXX where they found no accounts that were mentioned on the ftc repoprt AND ALSO THE FOLLOWING INQUIRIRES 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 or other personal consumer reports

I request equifax to provide proof and method of verification of all account under Law USC 15 1681 i ( a ) ( 6 ) ( b ) ( iii ) which they have not. I tried disputing online with no possible access. Upon speaking to an agent over the phone they were unable to process my dispute due to computer issues. I would like this removed from my credit report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY REFINANCED MY HOME LOAN THAT I ONCE HAD WITH QUICKEN LOANS. AS WE WERE CLOSING, QUICKEN LOANS FOR WHATEVER REASON SOLD MY MORTGAGE TO " XXXX XXXX ''. MY PAYOFF CHECK GOT TO QUICKEN LOANS AND QUCIKEN LOANS ACCEPTED THE PAYMENT AND CLOSED OUT THE ACCOUNT. ALL THIS HAPPENING WHILE XXXX XXXX  IS NOW TRYING TO COLLECT A MONTHLY PAYMENT FROM ME. THIS IS A COMPLETE ERROR BETWEEN QUICKEN LOANS AND XXXX XXXX. I HAVE ATTACHED A COPY OF THE " CLOSING DISCLOSURE '' SHOWING PROOF THAT MY REFINANCE WENT THROUGH SUCCESSFULLY. XXXX XXXX  NEEDS TO BE DELETED FROM MY CREDIT ASAP! THIS IS A COMPLETE VIOLATION.
Product: Checking or savings account

On XXXX I ordered two pair of shoes from a site that was suppose to be XXXX XXXX XXXX but come to find out it is fraud and I have contacted the company which is now showing up as XXXX and the centennial bank and have been denied refund of my money thru both which the amount was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank is reporting late payment into my credit reports falsely, we have made an arrangements to have the account paid into this promotion for XX/XX/2020 for {$220.00} XX/XX/2020 and XX/XX/2020. each month as special deal. but the corporation fail to update that into the system reflecting my account late and with overdue payment as default on their system. 

I have made payments as arranged, XXXX Paid, as well XXXX, XXXX payment coming soon, I see all-ready late fees applied to the account for all this month and as well reported late on the credit reports.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions authorized, I was charge fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am XXXX XXXX XXXX days past due on the DEPTED/XXXX  partial account number XXXX. XXXX  ; XXXX  and Transunion are also reporting that I am ( 120 180 ) days past due on the DEPTED/XXXX  partial account number XXXX. Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX are not mine sent police report FTC violations
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation regarding inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to ensure my credit report is fair, accurate, and complete.

1. The information being reported does not accurately reflect my credit history.

2. There are errors in the account details, payment history, or status that need correction.
Product: Credit reporting or other personal consumer reports

I live in TX and am required to pay child support thru a court order via payroll deductions which are then sent directly to the SDU - Standard Disbursement Unit in XXXXXXXX XXXX XXXX, for processing to the other party in my divorce. While paying thru the SDU is now a legal requirement for all child support cases opened by the XXXX Attorney Generals ( TAG ) office, they continue to report incorrect, wrong, bogus, outdated information. When my case opened in XXXX, the requirement to use the SDU was not official and so my payments were made via check instead. Once the TAG implemented the SDU requirement, I was forced to get my ex to submit 3 years of back payment history, copies of checks, etc. to prove I paid as ordered. During this time, the TAG reported me as severely late. While it eventually got updated and everything corrected, they continue to file on my Credit Report as an open account in the arrears until it was ALL cleared. That was years ago. I have disputed this repeatedly with them and instead of clearing it, they just added another account under different details for the same cause #.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXXXXXX 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