23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Starting on XX/XX/17 and everyday since, I have been receiving calls from this number and the caller ID says it is XXXX XXXX. Normally I just hang up the phone and file a complaint as I am on the Do Not Call registry. Today I answered it and it says we have some important information for XXXX XXXX is this you press 1, so I did and now I find it was North American Credit Service calling about a debt collection and not a Telemarketing phone call I thought it was. To me this is very misleading way to get people to answer phone calls
Product: Credit reporting or other personal consumer reports

My account with 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 in XX/XX/year> XX/XX/year>, and XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

15 U S.C 1681 section 602 A. States I have the right to privacy.

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

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 any other adverse items of information, other than records of convictions of crimes which antedates the report by more that seven years.

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

I had an account show opened XX/XX/2019. Evidently this is an old XXXX XXXX account. The amount was {$2200.00}. This account was 10 years old and had already dropped off of my credit reports, then reopened and pulled my score down causing me to lose the pre-approved status on buying a home as well as {$1000.00} invested in septic permits etc. Then the account fell off again because, as I said, it was past statute of limitations and illegal to continue reporting. But why was I not already protected from this unethical approach? Then, XX/XX/2019 it was updated and bought by Jefferson Capital Systems. The balance was updated on XX/XX/2019. Now my score is being pulled down again after having worked to recover and about to pursue home buying again. I dont understand what gives either company the right to try sneaking around the law that was put there to protect consumers. This seems to violate the Fair Credit Reporting, it is definitely devious and unethical, Im pretty sure its illegal, and For these companies to join together in unfair practices against any consumer to manipulate them for money is unprofessional. Why are they not subjected or feel like the law doesnt apply to them? I want justice. I can not continue to be punished by greedy collectors and spiteful businesses.
Product: Checking or savings account

Chime has a My Payroll feature. It offers a limit. Mine is XXXX. I borrow {$500.00} and they pull it from incoming deposits. Chime has ignored my work deposit and refused to credit me my XXXX limit when they should have and only issued XXXX suddenly. I can show proof in my account that they have given me instant XXXX soon as a deposit came in and paid it back. They withheld banking products discriminately and Intentionally.
Product: Bank account or service

My debit card information was somehow stolen around XX/XX/2016 and someone was able to spend {$460.00} from my account over that weekend. Bank of America 's automated system contacted me on Sunday about unusual activity on the account so I checked my transactions and noted several purchases pending that I did not make. A claim was opened and within XXXX weeks bank of america concluded their investigation and determined that the charges were valid. I do n't know how bank of america made this determination but it is completely incorrect. I am a victim of fraud and I did not make those purchases. To add insult to injury I lost my job and that direct deposit that the fraud was taken from was to be utilized to pay my rent and a couple of other expenses. I have never actually had fraud successfully happen to me due to the bank catching it ahead of time. This time the bank was n't successful and I am disgusted with bank of america 's so called fraud process, decision and their company as a whole.
Product: Credit card

I am writing to dispute the following information in my credit history regarding my Visa Chase XXXX MileagePluse Select number XXXX XXXX XXXX XXXX. I have noted these items and I disputed this matter more than once with Chase directly with no response or further communications. 
I have been a loyal customer of Chase Visa for the last 17+ years. My wife and I used only this credit card and utilized the strong benefits. After years of on-time payment, a payment was missed during my work transfer to XXXX, XXXX. 
On XXXX XXXX, 2013 my family and I moved from California to XXXX, XXXX. Before leaving the United States, we activated the mail forwarding services through the US post office. We paid all our bills and made sure all balances were XXXX for credit cards, utilities, telecom, XXXX and Internet services. I retained my US cell phone number XXXX XXXX XXXX, and have it on file at any utility, bank, credit card providers, etc. I made phone contact with my credit card companies to flag the impending change and possible usage of the cards abroad. The representative at Chase, in particular, assured me that will be fine, and I will be notified via mail and email if there is an outstanding balance. 
As is evident from my credit report, I was able to clear all my bills on time, except for Chase, because I was not alerted through direct communication via email, phone call or text message from Chase that there was a payment due. I firmly maintain that this does n't justify reporting me to the credit bureau and closing the account without any communications. 
Attached copy of the report I received from the credit bureaus recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX, XXXX XXXX Balance : {$0.00} 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 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: Mortgage

The following complaint is against Bank of America. Loan # XXXX in conjunction XXXX XXXX Ph. XXXX Whom was supposedly facilitating our loan modification review .We submitted all requested documents in XXXX XXXX To Bank of America XXXX XXXX XXXX Bank of America sent correspondence stating I needed to sign my XXXX tax return, Send recent bank statement. Forward by XXXX I emailed/faxed copies of the documents to XXXX XXXX XXXX XXXX XXXX who was supposedly facilitated the modification. Approx XXXX XXXX. XXXX I called XXXX XXXX requested to speak with XXXX XXXX received his voice mail again. This Matter has been going on for three years. very disturbing for someone whom takes account for my lack of .However both Bank of America/ XXXX XXXX should be held accountable for the unethical conduct surrounding the matter at question. Had no idea the due process for a loan modification would result in filing mutable complaints. Seems as if this is the only way to obtained a response from Bank of America/ XXXX XXXX XXXX Note : I have FHA loan the bank is suppose to allow me a modification if I met the guidelines within the 24 months required before requesting another modification prior to the current..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got a loan and added it to my mortgage. Also they made a change of address to my credit report using my old address from 2018. Also I believe they have my mail and I want a hold on all my credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX XXXX. Keep reporting inaccuracies and comments on my credit report. XXXX Account number XXXX comments are inaccurate I have never been in forbearance in fact this account is paid in full. I have provided them notice from XXXX, XXXX. Showing this account was paid in full and was never in forbearance or deferred. The inaccurate comments on this account needs to be deleted. Enclosed you will find proof that this account was paid and never deferred or in forbearance of any kind. 
Experian, XXXX XXXX and XXXX assured me on the phone it would be corrected and removed and nothing has been done. Because of this inaccurate comments they are reporting I am being denied a mortgage loan.
Product: Debt collection

Credit Collection Services sent me a letter in the mail threatening to collect debt thats not owed. The company is in Violation of my Consumer rights, which is a major red flag, harassment and mail fraud. I sent the letter back return to sender. Refusal for cause without dishonor. Pursuant to UCC 3-501. Cease & Desist, violation of 18 USC 1341 & 1342. Violation of Chpt 3 section 3003 - Title 39. Title 18 USC 1341 & 1342. Refusal of solicitation. No contract. 


Their address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Website : ccspayment.com Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Mortgage

I contacted the XXXX XXXX ( my lender 's - LoanDepot - service provider ) about removing the PMI. I know that it can be removed either because the debt has been paid down to 80 % or the value of the property has increased to achieve the 80 % debt to equity. Everything was fine at the start with XXXX XXXX, providing daily updates on the delay. I submitted my request on XX/XX/21 and I finally receive a response on XX/XX/21 from XXXX XXXX noting that I needed to secure a BPO. I would have appreciated a prompter response on this if that's what I was going to be told. Subsequently, I receive an email from the PMI XXXX XXXX email stating that I can remove the PMI via the original value removal option or the current value removal option. For the latter, I must now pay for an appraisal in order to move forward with this. I find this is taking advantage of the customer and honestly the mixed messaging is not appreciated. I feel like the company is taking advantage of me as a consumer. They should be able to secure an updated valuation, either via an appraisal or BPO, with no issue. Someone please help look into this type of inconsistent treatment on this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 

several inquires and application has been applied using my personal info i did not give consent nor did i give consent to open any accounts or loans
Product: Credit reporting or other personal consumer reports

Contacted company on XX/XX/2023 about violations of my consumer rights Im accordance with the Fair Credit Reporting act reporting agencies has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting act XXXX  the following Account numbers have violated my rights : XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX U.S. Department of Education - Account # XXXX DEPT OF ED XXXX XXXX - Account # XXXX XXXX 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.
Product: Checking or savings account

I have never been treated so disrespectfully in my sixty plus years of dealing with National Banks as Chase Bank is treating me today. I have deposits in demand accounts Ive had at Chase for more than twenty years that today exceed {$13000.00} that I need to pay bills and expenses I have incurred and Chase, without just cause, has frozen my accounts and refused to honor bills I have scheduled for payment! 

Last XXXX, claiming new Federal regulations required me to provide additional information on ownership of my account, I immediately went to my local Chase branch at XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona. After determining the branch did not really know what was required and they had no notice of such demands, I finally found the information they needed concerned terms of a Trust agreement to which I was the sole trustee. That same day I provided ChaXXXX with a sixteen-page Summary of Trust drafted by my attorney that clearly spells out both current and successor trustee provisions of the trust. Refusing to identify what information they required, so called officials of their Compliance department claimed that more information was required, and they demanded unconditional access to my XXXX00 page trust agreement!

After threats to close the accounts that included a ridiculous demand that I provide an affidavit of Trustee resignation from my wife who had died four years earlier. After explaining a dead person could not sign such a document they still were not satisfied. Finally on XX/XX/2023, they refused to pay checks on my account, falsely claiming insufficient funds ( see attachments ), and froze my access to the funds. Now for the sixth time I returned to the bank branch asking for specifics on what they required. After repeated demands that I provide the entire Trust document, they decided they had to see my address as Trustee in the agreement! For heavens sake did they really believe that after I returned to their bank branch six times in response to their letters that they did not have my address! That is astonishing! Today, some six days after I signed a notarized affidavit regarding my identity and my address, I still have no access to my funds. 

This heavy handed denial of customer rights is simply not justified in my opinion. I would sincerely appreciate the intervention of the CFPB as I need access to my funds to pay bills. Their denial is absolutely unjustified, and I need your help to force Chase to release my funds.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete all accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Company sent me loan docs to sign. Saying loan was approved. Signed and called them back just to find out the docs they sent me was not legitimate. Apparently they have to wait for approval? Told the guy on the phone that what he did was illegal/fraud, and he needs to cancel everything right now. He proceeded to give an explanation. Scam company. I am changing my bank account information right now. 

I am letting y'all know about this company that is sending false loan docs, lying to people. Westside XXXX needs to close up shop.
Product: Credit reporting or other personal consumer reports

I have been going through troubling times. I haven't been able to receive any financial help through my credit due to false information reporting on my credit. My Credit has several Inquiries reporting that I have no knowledge of. Every time I explain my situation to the Credit Bureau 's and explain that I have no knowledge of these accounts they say they will fix it but nothing has changed. I am trying to get approved for an apartment so I can get MY kids and myself into a better living condition but this is the only thing that detriments me from getting approved. 

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: Mortgage

I negotiated my house mortgage refinance with Loan Depot at 3.0 % ( 15 years ) with no points. 
I submitted all the paperwork which took around 2 months. 
At the time of closing I was surprised to see Loan Depot was charging me points to get 3.0 %. 
Before completing signing / closing documents I called Loan Depot personnel and explain about same, but this person never agree to what I was trying to explained, eventually I signed on cancellation form. 
When I complained to Loan Depot via their survey, their associate called me and apologized and said something went and they could not give discount / rate they promised.
Product: Bank account or service

Wells Fargo Bank NA placed a partial Hold on a check deposited issued by the State of North Carolina. I was told that the hold was placed becasue the check might not clear the account. REALLY! The State of North Carolina issues bad paper?