23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I sent a cashiers check certified mail for XXXX. On, XX/XX/XXXX I  received the receipt from the Post Office of the check be received and signed for. On XX/XX/XXXX I received a statement saying I was past due on my payment. I immediately called and spoke with XXXX XXXX XXXX ext XXXX. I sent over a fax of the copy of the cashier check, the receipt from post office, and tracking information. Since the XX/XX/XXXX I have had a very hard time getting in contact with them and resolving this matter. I have always sent my mortgage in certified mail and as well paying monthly with a cashier check. Since this whole ordeal has happened I have received nothing but threats of selling my house. This is not my first run in with Chase home finance a few years the same thing where the check was taken by someone from chase and cashed. I had to get the attorney General 's office involved to resolve issue. I just want this fix so I can go on with my life.
Product: Payday loan, title loan, or personal loan

I called the company ( Mariner Fiance ) the moment I notice this account on my credit report. I first asked the company who were they and what is it that they do exactly, I was told that they do unsecured and secured loans. I then informed them that I noticed that there company has an activity on my account and I have never done business with them. I gave them my information and told them I was a victim of identity theft. I was then told by the company that they were going to look into what happened and remove the account. They never did. I have been disputing this account for a while now.
Product: Debt collection

The last three days, from XX/XX/21, I've received calls and voicemails from : XXXX XXXX XXXX, XXXX on dial-back from XXXX XXXX # XXXX for a XXXX XXXX XXXX for privacy. 

I called back and got 112 's vmail so left her a msg, " I am not this guy, I don't know who he is or where he is. This is my number and you have it wrong. Please stop calling. 

I called you back as a courtesy to help you and XXXX XXXX XXXX mostly, to avoid delaying his " matter. '' So, next day five calls so I called and XXXX had " just left. '' I'm the manager. Tell XXXX to stop calling here. 

Next day now five calls. Forget you. I'm filing a complaint with various agencies that this is unacceptable namely : FTC, Consumer Financial Protection Bureau at XXXX, CA XXXX Attorney General, XXXX,
Product: Checking or savings account

Wells Fargo is not letting me close my account, and they continue to charge me monthly service fee.
Product: Mortgage

On XX/XX/2019- Officially pre-approved for a mortgage. Contact made first from XXXX XXXX XXXX who informed that the next person to take over would be XXXX XXXX. XXXX XXXX communicated effectively to both applicants. XX/XX/2019-Begins communication with XXXX XXXX . XXXX vaguely stated that she needed items for the mortgage. Information sent. Each step of the process XXXX took a full day to respond. Then XXXX called one of the applicants requesting information from the husband. There is no husband in this marriage. XXXX requested information from the husband several times over a period of days before finally answering the phone and being told that there was no husband or male in this application process. XXXX stated that mortgage was rejected due to only one applicant making less than {$7000.00} a year. XXXX did not review all of the documents submitted causing denial of mortgage and resubmission of all documentation Real estate agent contacted XXXX stating that the lack of communication and understanding of documents submitted is unprofessional. Request to speak with supervisor made on XX/XX/19. XXXX XXXX ( supervisor ) became defensive and stated that XXXX was doing her job and made a few errors. XXXX XXXX stated that XXXX XXXX stated that I worked part-time and mentioned information was incorrectly entered at the beginning of the process. Request was made for a new loan officer. XXXX took over the account and notified applicants that a conditional approval was made. Request of a donor letter from a bank was made. Donor letter was sent on several occasions. Spoke with XXXX XXXX on XX/XX/19 asking if the letter sent was acceptable for XXXX responded that she submitted the letter because she does not know how to reiterate to the applicants what is needed. Applicants read through the emails yet again and not once does any email indicate that the donor letter come from the donor 's bank which tremendously prolonged this process. Request contact with supervisor. Connected to XXXX XXXX. XXXX XXXX answered the phone call right away and applicant stated that there has been frustration with several workers in this process. XXXX XXXX proceeded to yell to the point where the audio was breaking up in this phone call. Request was made to this supervisor. Email and voicemail left for XXXX XXXX director of mortgage loans of USAA. Closing date is XX/XX/XXXX and present date XX/XX/XXXX when application was submitted XX/XX/2019. Applicants feel involved parties at USAA are sabotaging the loan after almost ten years of loyal service to USAA.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re :  Notice for Proof of Claim Account : MIDWEST RECOVERY SYSTEMS LLC #  XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX 4 XXXX XXXX : XXXX XXXX XXXX, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and Ohio University that gave you the right to collect this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO THERE ARE THREE ITEM ON MY CREDIT REPORT AND THEY ARE STOPPING ME FROM BUYING A HOME, BELOW ARE THE THREE ITEMS AND I HAVE FILED A POLICE REPORT. 

MIDWST RCVRY OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$97.00} XXXX OPENED XX/XX/XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX BALANCE {$970.00} XXXX XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$430.00}
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX balance {$0.00} account # XXXX 30 days in XXXX 2020, 60 days in XXXX  2020, 90 days in XXXX 2020, and XX/XX/2020.
Product: Debt collection

Pursuant to 15 USC Section 809 ( B ) I'm putting VYSTAR CU on notice that your claim is disputed and validation of the furnished account. VYSTAR CU has not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715.719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I have a right to this information, as it's directly associated and I'm requesting the following : * Signed contract with my wet signature giving you to contact me in regards to the alleged debt * Purchase Agreement * Evidence that you are a licensed debt collector. * Chain of Title Proof that you are a licensed debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. * A REQUEST FOR ACCOUNTING REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210s and This authenticated record must include all tax fillings ( including 1099 's 1096 's and 1098 '' s ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting. And the following questions and information answered truthfully under oath : 1. Are you the owner or Assignee of this alleged account? 2. What are the terms of the transfer of rights regarding this alleged account? 3. Does a verifiable, bonafide original commercial instrument between the debt collector and alleged debtor containing alleged debtor 's verified, bonafide signature? 4. Did you purchase this alleged account from the alleged original creditor? 5. If so, what was the date of purchase of this alleged account from the original creditor and purchase amount? This is also a notice for you to CEASE & DESIST all Communication and Collection activities in regards to the listed account above with 15 USC 1692c ( c ). Failure to remove off my credit report will result in legal matters being taken and me turning VYSTAR CU into the ( FTC ) Federal Trade Commission for aggravated identity theft, Fraud, and for violation of the FDCPA. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this may be tendered as evidence of failure to comply. In Good Faith Without Prejudice Under Duress By : XXXX  : XXXX. XXXX XXXX XXXX My god said, " I'm under the law and statues, codes, and ordinances doesn't apply in this court. '' An unrebutted affidavit stands as truth in commerce. An unrebutted affidavit becomes judgment in commerce. Truth is expressed in the form of an affidavit.
Product: Debt collection

Portfolio Recovery Associates is attempting to collect a debt that was already charged off in a dismissed bankruptcy. 

They are listing themselves as the original creditor, but I have never had dealings with this vendors. 

This is negatively impacting my credit score.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report and I been a victim of identity theft. I sent several dispute letters by certified mail and they have failed to delete this. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 I never lived at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Product: Credit reporting

I checked my credit on XXXX XXXX around XX/XX/2016. And then again around XXXX XXXX. There were inquiries that were removed and put back on. I Called and spoke to numerous reps and they refused to connect you to a supervisor or anyone in American offices to remove the inquires due to the Transunion Glitch. Some of the representatives were even belligerent and knew of the issue but told me too bad. I would like the following inquires removed as a result of this : XXXX XXXX XXXX- XXXX XXXX, 2016 XXXX Dba XXXX- XXXX XXXX, 2016 XXXX- XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX , 2016 XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX , 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX- XXXX XXXX, 2016 XXXX XXXX XXXX -- XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX -- XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX -- XXXX XXXX, 2016 XXXX -- XXXX XXXX, 2016
Product: Debt collection

A representative called my house, my cell, and texted me in a matter of XXXX at least XXXX times, and then they proceeded to call my employer and misrepresent themselves as an employer for the XXXX XXXX Department , they talked to three different people about a past debt, to XXXX XXXX , XXXX XXXX , and XXXX XXXX , now my employment is up for review, and I look like a criminal to my employers. In a time where we are dealing with a pandemic, I suffered a XXXX XXXX, which cause me to visit the XXXX. and my character was defamed and defiled, by a debt collector who was abrasive, and lying about his/her position, and what they were doing. This debt is old, and should be charged off, but keep being resold for the purpose of embarrassing and harassing past clients. This is unwarranted and unlawful behavior, and will my attorney has been called and will also be reaching out out, no case numbers were left, only to say they are coming either to my house or my place of employment.
Product: Checking or savings account

On XX/XX/2023 I made a call to customer service to Ally Bank and they entered incorrect info and locked me out of my account. Many attempts were made to have access and were denied due to identity concerns. Ally Bank allegedly closed my account and placed funds in isolation and claim that the other bank, XXXX has to claim the funds to be returned to the original account from where there were transferred. XXXX denies that is the procedure and they have me in a he/she says back and forth without offering solid solutions.
Product: Money transfer, virtual currency, or money service

I used a swift transfer to transfer money from the Bank of America to my bank account in my home country. It was made on the XXXX of XXXX of XXXX  in the office of Bank of America, XXXX XXXX XXXX, XXXX. I transferred XXXX US dollars. Relationship Banker, XXXX XXXX, told me that after 5 working days I will receive money, but I did not. I want to contact them and solve this problem
Product: Checking or savings account

I received this XXXX  Regions Bank offer in mail a while back. According to the offer, I'll earn a {$500.00} bonus if I do 3 things detailed on the mailer ( please see attached ). I have satisfied all the requirements for the promotional offer but never got the {$500.00} bonus. 

When I called Regions customer service, I was told since I had a Regions checking account before, I wouldn't be eligible for this offer. However, no where on the mailer mentions that, not even in the terms ( please also refer to the photos ). 

When I opened this Regions Bank checking account in the branch over 3 months ago, I double-checked with the banker on this matter. The banker carefully read the entire mailer and confirmed that, even I had Regions checking account closed approximately 1 year ago, I would still qualified for this offer, since the mailer doesn't contain any terms that would exclude me from received the bonus. 

I have contacted the Regions several time ( both calling the customer service number and branch where I opened my account ) on this issue but have never received a straight answer. I feel that I am qualified for this offer and it is wrong to treat a customer this way by making up additional " terms ''.
Product: Mortgage

The last payment I 've sent out to pay my mortgage with Chase was " not received ''. I have an ongoing dispute with Chase over the way they are processing my payments. It seems to be taking longer and longer, sometimes over XXXX days for my payment to arrive, or at least according to their claims, which resulted in late fees that I am currently refusing to pay and disputing. I have good reason to believe that they have intentionally " lost '' my last payment as a form of retaliation for attempting to dispute their late fees. I will also be switching over their pay by phone system, which should be harder to falsify than mail.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





Inquiry XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent me a letter stating that I used a credit repairing service to fix my credit. I did not use a credit repairing service to reach out. I XXXX was the one inquiring to remove the tradeline to fix the issue and not only that neither of the credit bureau left a note one my credit report that you are investigating the account which is a violation and you have 15days to reinvestigation and all 3 took 1-2 months to respond. I sent out a complaint and I gave you 30-45 days the first time the second time 30 days and my issues still hasn't been resolved. I have provided serveral proofs where all 3 were in violation and did not thoroughly complete the review. 

I am requesting to remove the tradeline due to serveral inaccuracies throughout the time of making the complaint to fix the issue. 

As stated in the previous complaints I have the right to privacy, a Consumer reporting agency can not furnish my account without my written consent also account to the IRS a chargoff is considered an income and income shouldn't be reported per the Fair Crefit Reporting Act. 

My federal protected consumer rights have been violated time and time again by the 3 credit reporting agencies.
Product: Debt collection

I have filed a complaint for the phone calls and misrepresentation. After speaking with the KP Assets again they confirmed they do not own the debt so I asked for debt confirmation/validation letter. Again the repress themselves as a mediator and threaten legal action contact family and friends etc. They work with a company called XXXX but act as if they are not affiliated. 

I requested the calls to stop they said no since they are a mediator. They then sent the attached document stating they were without providing all the required information of a debt validation letter.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX  ). Im now requesting that you investigate this account and provide verifiable proof with records showing that I had a late payment. If this information can not be verified within 30 days then I demand this payment be immediately updated to paid on time. Thank you
Product: Credit card or prepaid card

CFPBs available options do not adequately describe my situation. To begin, several times there have been billing inconsistencies. On one phone call in which I attempted to address this issue, the CapitalOne agent seemed completely incapable of understanding what had occurred or addressing my concerns. Most recently, the company withdrew money from my auto-pay account that I did not actually owe. This resulted in a negative balance on my card. In other words, CapitalOne stole these monies. 

In a separate issue, CapitalOne is now declining purchases, even for vendors with whom I have been doing business for years and whom I have paid using my CapitalOne card on many previous occasions. On the morning of XXXX XX/XX/2022, I called and spoke with an agent, who informed me that there was a fraud watch on my card. I explained that the card is not useful to me if CapitalOne is going to decline to approve purchases. I then asked the agent to cancel my current card and send a replacement. I requested this several times and was very clear in making this request. There was also another person present who was a witness to this conversation. 
This morning, I received an alert that a previously declined purchase had been approved on the card that I requested be cancelled three days ago.

I have been an exemplary card holder. I believe I have had this card for more than four years. Every month I pay the entire statement

balance. On one occasion, my payment processed the day after the due date ( due to how CapitalOne processes its payments ), and the company charged me a fee. I asked that it be refunded, due to my excellent payment history, and the agent refused to do so.

I am an attorney who is well aware of my rights. If I am having these types of problems with CapitalOne, I can only imagine what difficulties less informed, less educated consumers are having. From my perspective, the company is not acting in good faith and is violating the law.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint regarding an issue with my credit report, specifically involving the deletion of an erroneous collection account by XXXX of the credit bureaus. 


Credit Bureau Involved : Equifax, and TransUnion Collection Account in Question : XXXX XXXX I recently discovered that a collection account was deleted from my credit report by XXXX after I disputed it. This deletion was made without proper notification or resolution of the dispute process. The collection account in question was not accurately reported, and I believe it was an error. 

As I have not received any notification from the credit bureau about the deletion of the account or the steps taken to validate the debt, I believe this may be a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I would like to request an investigation into this matter and clarification on why this deletion occurred without proper notice or resolution. 

Please let me know if you require any additional information to proceed with the investigation. I appreciate your assistance in resolving this matter.
Product: Mortgage

Loan/mortgage was originated approximately 10 years ago. All payments have been made prior to due dates. Insurance information has been provided as required. Approximately 2 months ago ( XXXX XXXX ), Newrez started billing for " lender placed insurance '' $ XXXX. When we received initial notification, we were told no insurance was in place for the property, a condominium. Both our insurance provider, XXXX XXXX, and us sent evidence of insurance coverage which has been in place under the current policy since XX/XX/XXXX and expires XX/XX/XXXX. Newrez sent a notice dated XX/XX/XXXX acknowledging receipt of insurance coverage and would get back to us within 5 business days to let us know if the provded coverage is adequate. As of today, XX/XX/XXXX, or XXXX business days after their acknowledgement letter, we have not received any information from Newrez. Today we called Newrez to find out if they made a determination. After nearly an hour on the phone with their customer service and insurance dept., we were told that they need a copy of the XXXX master insurance policy for the exterior of the property. to be brief, ( i ) no such notice requesting this information has ever been sent, ( ii ) there is no such provision in the loan documentation and ( iii ) we have never been billed for Lender Placed XXXX before.