23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, XXXX, I received dunning letter from CCAB Management LLC dba CCAB XXXX dated XXXX/XXXX/XXXX for an alleged debt of {$30.00} owed to XXXX XXXX XXXX from XXXX/XXXX/XXXX. Also, in same envelope, another dunning letter dated same date ( XXXX/XXXX/XXXX ) for an alleged debt of {$30.00} to XXXX XXXX XXXX XXXX from services performed on XXXX/XXXX/XXXX ( not even 90 days old. ) Called CCAB and spoke with " XXXX '' on XXXX/XXXX/XXXX. I paid the {$30.00} co-pay from the XXXX/XXXX/XXXX service directly to " XXXX '' but stated the debt was not even 90 days old and that I tried to pay my co-payment at the doctor 's office on the date of service. I agreed that this was owed. 

However, I said I wanted to dispute the second debt with a date of service of XXXX/XXXX/XXXX. 

I stated I wanted to receive verification of the debt as it stated I could in the aforementioned dunning letter. 

" XXXX '' said due to the Federal Timeline I could not do that now and I would have to contact the creditor on my own. 

I asked " XXXX '' why would his official correspondence state I could request this and yet they would not do it. He once again stated something about a federal timeframe. 

After several attempts, I contacted the creditor ( XXXX XXXX XXXX XXXX ) and was informed that in fact this co-payment had been paid and they did not know why CCAB was dunning us. The creditor said they would have their office manager look into it on Monday. 

After numerous attempts, " XXXX '' from CCAB answered his phone and I advised him that I had verified with XXXX that this amount had been paid a long time ago. " XXXX '' said this made him mad and he would contact XXXX XXXX XXXX XXXX to straighten this out. 

Odd as " XXXX '' said he could not and would not contact XXXX to verify the debt at my request, although CCAB 's dunning letter clearly stated it could and would, but he immediately said he would contact them after I said I had. 

In my opinion, CCAB is blatantly lying in their correspondence. 

CCAB says you can dispute the debt and that CCAB will obtain verification of the debt and mail a copy to you. 

This obviously is not the case nor their practice in handling the collection of debts. 

I spent a lot of my personal time and minutes from my phone doing what CCAB 's official debt collection correspondence stated it would do if I requested CCAB to do it.
Product: Payday loan, title loan, personal loan, or advance loan

I have attached several screen shots of email correspondence with the company. As those emails show, the loan became past due because I could no longer afford to continue paying it off, and re-borrowing. It became a cycle that was just causing me additional financial hardship because of the added fees and tips on the loan. 

Once past due, I asked the company if there are hardship options. Over the course of a month or so, I was given two options ( neither affordable ), pay it in two installments, bi weekly, and pay it in four installments in successive two week intervals. I provided options I thought might be better for me, and those options were rebuffed. 

Also, and I included this in the screenshot emails, on several occasions the collection efforts from the company included threats of litigation, which I felt is irresponsible and unfair considering I was trying to reach an amicable solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$330.00}
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute fraudulent items on my credit report, which I believe have been added illegally. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccurate items be blocked promptly. Attached is a copy of my Police XXXX XXXX Theft Report Number XXXX, which provides the evidence of clearly fraudulent credit reporting. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, consumer reporting agencies are required to block the disputed information within four business days. The following entries on my credit report are associated with this identity theft and must be blocked.

I am writing to certify to you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report with transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I received numerous late payments on my credit reports as a result of a severe medical situation that caused me to go through a financial hardship. I know that even being hospitalized for extended periods is no excuse to miss payments, but it was a circumstance that I feel is worth mentioning. By no means are you obligated to remove these late payments because I did miss these payments. However, I have been a long time XXXX XXXX customer and still have a XXXX XXXX  card to this day. Due to the circumstances of severe medical issues surrounding my late payments and since I did pay my balance in full with late fees, I would like to ask that these late payments be removed from my credit report as a gesture of good will. They currently affect my scores and my ability to live life and anything I do. I would like nothing more than to be granted this one time good will gesture to have these removed because I have been a loyal customer of the company for so long and made right on the missed payments. Please remove these for me as a one time courtesy, I beg of you. 

I also served several years in the military and fought in XXXX. As a veterans of the United States Military I also ask for this one time favor. Please, if there is any way possible, please remove these missed payments from my credit report. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to file a complaint about fraudulent accounts found on my credit report. I have filed a complaint about these unknown accounts. I never received any documentation nor a response from the 3rd party collections or credit bureaus. 
The following accounts are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have unknown addresses and misspelled names on my file as well.
Product: Credit reporting or other personal consumer reports

There are many inquires on my credit report that I do not recognize. Last year I had someone open an account on my name. I think all these inquires was from that situation. Here is a list of all the inquires : XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I would like to file a complaint about AmeriHome mortgage, based in CA.

We closed on our home and paid off our mortgage in full on XXXX. Prior to selling our house we had to pay all liens on it or the paperwork wouldn't go through. Because of this, we had to pay $ 3000+ in XXXX  county taxes that otherwise would have been covered by escrow prior to closing. Amerihome paid our tax bill to XXXX  County after we already paid it, so they were refunded the same day, XX/XX/XXXXir.

When XXXX County refunded our tax bill they did it in a lump sum, and I was given the amount that I had to reference by the county representative ( approx {$200000.00} ) in order for them to find it faster in their system. I called on the XX/XX/XXXXasking for an update and I talked to a representative that said they had to open a ticket and that they had 15 business days from the time they received the check to send out my payment - which would be by XX/XX/XXXX. I called back on the XXXX to verify - and that representative said the same thing.

On XX/XX/XXXX ( today ), I called Amerihome back, after I didn't get the check in the mail, to verify that I would be getting it by the next day. The representative that answered, XXXX, told me that what the previous two people had told me was not correct, and that although my ticket was opened on the XXXX, I would not be getting my money back until 15 business days AFTER their ticket was resolved on the XXXX. I understand policies are policies, but they can't go holding over {$3000.00} hostage for OVER A MONTH, when they received a wire transfer from XXXX  County on XX/XX/XXXX.

Please help/investigate. I'm sure I'm not the only one in GA having problems with them.
Product: Credit reporting

According to the IRS ; I was apart of their database breach of 2015. Since then I have seen an increase of inquiries reported on my credit. Some inquires happened multiple times over the course of the same day.
Product: Money transfer, virtual currency, or money service

My name is XXXX I am a Bank of America customer i filed an complaint on my account for serious transactions high dollar amounts in short periods of time i pleaded to BofA to investigate and i put a claim in on XXXX XXXX XXXX totaling over just {$6000.00} from the XXXX XXXX XX/XX/XXXX in those 10 days alone there were that many transfers allowed from my debit/checking account to transfer into my wife 's XXXX XXXX account i tried explaining i tried refiling and they never showed me proof of anything they did to investigate I have had fraudulent transactions since then including the complete takeover of my account and more transactions of transfers out of my account to 3rd party accounts after they denied my 2nd claim I had already lost so much money to this bank it has nearly put me out of business and out on the street LITERARY! I did everything correct i appealed and showed proof that I had no access to this account that was in my wifes name from XXXX XXXX and that it was impossible for my wife to have made these transactions due to the fact she was incarcerated at that time. So unless they started Banking from XXXX XXXX XXXX she coul n't have made these transactions. I thougtht all was lost on that money and when it happened again I nearly gave up. That is when I contacted council and they showed me that I have rights and I should exercise them because of being railroaded by BofA SO MANY TIMES IS NOT ACCEPTABLE!!! So the grand story is this I have had fraud on my bank account done a total of 3 separate times this year. After my second claim was denied and I informed BofA that i had retained council that they credited my account for the fraud done in XX/XX/XXXX and XXXX same account same checking account same XXXX XXXX account for {$2300.00} in 24hrs and then 1 last time XX/XX/XXXX for {$500.00} that is ongoing but has been credited back to my account. In summary I tried and tried the first time that I was defrauded I was issued the same letter twice that said the transactions were done by myself or someone authorized to use my account, that is all they told me after all the information i sent and the appeals they would respond that my claim was closed and that was it, well I disagree with this outcome and i won't be satisfied until something is done about the way BofA handles a customer that they are responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Services Inc has XXXX payday loans on my credit file with XXXX  as they stated in a letter there XXXX now or the same company. I have not applied for no on line loan with XXXX or any other on line company or any pay day loan. XXXX On line holdings is no more than fraud. I have file an complaint with the US attorney office as the justice department on XXXX  & Clarity Services Inc for and by I'm on OPT out and XXXX  is using a another company to use deception with merges etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX XXXX Account name : 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Hello to the representatives of CFPB and Chase. I am contacting in regards of a problem I am facing with Chase. I purchased something from XXXX XXXX for about XXXX XXXX  dollars. I decided to return the products back to XXXX XXXX, where I got only XXXX out of the XXXX XXXX refunded back to me. I kept reaching out to XXXX XXXX  to resolve the problem they kept telling me to wait and wait every time. I decided to contact Chase to resolve it by creating a dispute. Chase told me that it is not possible to open a dispute, but I made sure to tell them that I had to wait this much to get this problem taken care of. Now neither XXXX XXXX or Chase is responding to my requests and I really need some help getting this under control. I did not know there was a certain amount of time that I needed to wait. Also I could not really get a claim going whenever I was trying to resolve it with XXXXXXXX XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges/credits. This issue aligns with the recent CFPB findings against NFCU where transactions settled with insufficient balances despite initially available funds. I believe these actions are unfair and respectfully request an investigation into my account transactions.
Product: Checking or savings account

Im extremely disappointed with the service my son and I received from XXXX, a customer representative. As my son is XXXX and has XXXX XXXX I expected from them a level of patience and professionalism when seeking their assistance. Unfortunately, XXXX was incredibly rude, impatient, and even attempted to cut the call several times short instead of helping us properly. I even request to call another representative for us. 

This was our second time yesterday calling to unblock our account, and despite her claiming it was resolved, the account remains lockedmeaning we have to endure this frustrating process yet again. Her lack of care and dismissive attitude made an already XXXX  situation even worse. This kind of customer service is unacceptable, and I sincerely hope the company addresses it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I walked inside the JP Morgan Chase Bank Branch at XXXX XXXX XXXX, XXXX, TX XXXX ; within 10 minutes prior to closing. I kindly asked for a notary, which they have previously notarized documents for me a couple of times this year. However, XXXX was reluctant to notarize a document for me. Therefore, he asked the Assistant Branch Manager XXXX, to get validation from him to deny service. Consequently, XXXX then told me that he is not comfortable notarizing my documents. 

As a consumer, I have established a banking relationship with Chase via personal and business-related. In addition, I recently decided to share my business with chase by opening up a business account. Because of your staff 's unethical behavior, this does not satisfy my trust with Chase. Their actions were biased. I am a customer, and as a customer, the bankers are required to service the consumer 's needs without prejudice.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed late payments on my account with XXXX XXXX XXXX addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the FCRA, as outlined in 15 USC 1681 e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have below. In addition to that late payments are considered transaction due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681 a 2 ( A ) ( I ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX on the dates below be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safe guard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner. 

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

THIS CFPB COMPLAINT HAS BEEN FILED PURSUANT TO FCRA 605 B OR 15 USC SUBSECTION 1681 ( C ) ( 2 ) THAT YOU, TRANSUNION, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS A RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT.THIS FRAUDULENT AND INACCURATE INFORMATION CONSIST OF XXXX XXXX XXXX # XXXX. THIS ACCOUNT HAS RESULTED IN A COLLECTION APPEARING ON MY CONSUMER FICO CREDIT REPORT. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNT AS REPORTED BY YOU, WAS NOT OPENED, MADE OR INITIATED BY ME. THE ACCOUNT WERE INITIATED BY FRAUD. I HAVE ATTATCHED A COPY OF MY FTC IDENTITY THEFT CRIMINAL COMPLAINT # XXXX AS PROOF FROM THE U.S. FEDERAL TRADECOMMISSION. THE AFOREMENTIONED CONSUMER CREDIT ACCOUNT IS A RESULT OF IDENTITY THEFT AND FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Madam or Sir, I am disputing the information XXXX XXXX XXXX of {$1200.00} in my credit reporting. We do not owe any money to XXXX XXXX XXXXXXXX, on the contrary the company owe us because we overpaid them. 

Our last day in the apartment was XX/XX/XXXX and was credited 7 days rent. By looking at the attached balance statement you will see that the company charged us the month of XXXX, which is incorrect and does not make any sense. If so why give us 7 days credit for the month of XXXX? We moved out of the property in XXXX and returned the keys. 

Furthermore, if you look at the court document you will see that the eviction case was dismissed and all costs and taxes to be paid by plaintiff. Again, if you look at the same balance statement you will see that we were charged {$230.00}, which is in complete violation with the court order. 

I am requesting this wrong information to be deleted from my credit report because I do not owe any money to XXXX at XXXX. Thank you for your understanding!
Product: Credit reporting or other personal consumer reports

I do not know the company MIDLAND CREDIT MANAGEMEN nor does XXXX XXXX XXXX compete.
Product: Checking or savings account

So I recently rejoined Regions Bank on XX/XX/XXXX. I opened a checking account in the savings account. The issue that I'm encountering with Regents is with their online platform. It will not allow me to use XXXX XXXX XXXX It will not allow me to use XXXX XXXX and it will not allow me to use check deposit services. I'm receiving an error message when I do it online with their online website. I received an error message saying we're unable to complete your request at this time. highlighted in red. And then, when I do it on my mobile app for regions, it gives me the same error message but with the error code XXXX. I have tried calling the regions online. Electronic banking team, no one seems to be able to help me. One agent stated to me that my online credentials may need to be purged. But the call got disconnected, and I'm trying to call back again to get an agent that understands what I'm talking about. No one seems to understand what I'm talking about. But they work in the electronic mobile banking department, which is absurd. I don't understand how you work in that department, and don't know anything about online. So at this point, I'm really frustrated, and I would really like for someone who knows how to deal with the online servers for regions to assist me in regaining access to the bill-pay services. The XXXX XXXX also the mobile check deposit service.
Product: Mortgage

My Aunt passed away left me the property trying to pay on the loan have it transferred to me as successor in interest I sent copies of requested information in XXXX after receiving their letter. Provided all information to estate department over the phone. Faxed copies again in XXXX and XXXX and in XXXX. I provided them with the faxed confirmations showing they were received yet they still continue to claim they haven't received them or couldn't read them. I just want to assume the loan and pay on the property. They are refusing to even respond now.