23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Chase Bank holds the first loan on my owner occupied home. Their loan payments are due on the XXXX of the month and late by the XXXX, if the payment is not received to their " special collection '' location in XXXX, Ohio. My loan payment can not be paid at any Chase Bank in California, in fact they have a branch less than XXXX mile from my home. 

My problem is that Chase, who knows well in advance, exactly what my next month 's payment should be, does not even produce the loan statement with the payment coupon enclosed, until the XXXX of the month. Chase then mails it in a bulk zip code format without a postmark & it does not usually arrive at my home until the XXXX-XXXX of the month. 

I am therefore required to send my monthly payment to XXXX, OH by USPS 2-day priority mail or by XXXX 2 day delivery at an additional cost of {$20.00}. 

I believe that Chase should send my monthly payment statement well before the XXXX of the month so I have 15 days to make my payment without the fear of a late charge and the negative effect it will have on my credit score. 

Question, Is there a code section that you can refer me to either Federal or CA that states how many days prior, to first day of each month, that I should receive my monthly payment statement with the coupon enclosed, so that I have at least 15 calendar days to make my mortgage payment? 

Thank you very much
Product: Credit reporting or other personal consumer reports

The CFPB stated that ... consumer reports can operate as a gatekeeper to significant life and economic decisions. XXXX  is furnishing inaccurate information to consumer reporting agencies. These are unauthorized parties. This practice is biased, unfair and definitely having a negative impact on my ability to provide a safe home, vehicle, food and basic life necessities for myself and my family. 
XXXX is furnishing incorrect and incomplete account names, account numbers, payment histories, original creditor, company sold, account type, balance and term information with my nonpublic personal information to consumer reporting agencies. 
I read articles published by the Consumer Financial Protection Bureau ( CFPB ), which helped me find regulations that govern XXXX and can assist me under the Consumer Credit Protection Act ( CCPA ). 
The Fair Credit Reporting Act ( FCRA ) excludes a consumer report from containing information solely as to transactions or experiences between the consumer and the person making the report The act further excludes a consumer report from containing any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
In this case, I am the consumer and XXXX is the person making reports to consumer reporting agencies. According to the CCPA and FCRA, XXXX  is excluded from reporting information of any transactions, experiences, authorizations or approvals of an extension of credit on my consumer report. Why then are they furnishing my nonpublic personal information? 
XXXX  failed to notify me of negative information being added to my consumer report at any time. 
The FCRA prohibits unauthorized disclosure to unauthorized parties. XXXX has furnished my nonpublic personal information to third parties that have not been authorized by me. A ripple effect has been created, as non-affiliated consumer reporting agencies have received and disclosed information pertaining to me from XXXX. 
I learned that 15 U.S. Code 6802 entitled Obligations with respect to disclosures of personal information requires XXXX  to provide disclosures to me including an opportunity for opting out of and directing that my nonpublic personal information not be disclosed to any third party before it happens ; an explanation of how to exercise that nondisclosure option ; and disclosure of any joint or contractual agreement XXXX XXXX has with another financial institution to perform other functions requiring that third party to maintain confidentiality of such information. Why would I not have taken advantage of these benefits were they provided to me? Had XXXX provided these mandated disclosures, I would have opted out immediately.
Product: Mortgage

JP Morgan Chase closed homeowner 's Original Loan ( ... XX/XX/XXXX ) on or about XX/XX/XXXX during the commission of illegal loan procedural acts. JP Morgan further covered up these illegal loan procedural acts from homeowner until she accidentally found out from their own employees during XXXX holiday in 2014. Homeowner also discovered other illegal loan procedural acts performed by JP Morgan Chase. JP Morgan Chase had no intentions of letting this homeowner know about their illegal loan procedural acts. Because of the continued cover-up homeowner reserves any and all of her rights against JP Morgan Chase individually and on behalf Fannie Mae and Fannie Mae. Homeowner is attaching a Complaint to this form known as " Closed Loan Return Deed Complaint with CFPBSee attachment - Closed Loan Return Deed Complaint with CFPBSincere & XXXX
Product: Debt collection

I paid AVANT CREDIT CARD LONG TIME AGO AND ITS BERRY IRRITATING WHEN THEY PUTTING WRONG INFO ON MY CREDIT REPORT LIKE IM SOME CRIMINAL THEY GONA HAVE TO XXXX FROM MY LAWYER OF THEY DONT REMOVE FROM REPORT ASAP
Product: Credit reporting or other personal consumer reports

15 USC 1692 cc is a section of the United States Code that outlines the rules for debt collectors. The section states that, except as provided in section 1692b, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector1. The purpose of this subchapter is to eliminate abusive debt collection practices by debt collectors and to promote consistent State action to protect consumers against debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX If a consumer notifies to a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. Also if the consumer has requested all communication be stopped the debt collector must stop communication. Reporting to my consumer report is still communicating.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024 XXXX XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2024 XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2024 XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2024 XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I have tried to access my credit report online. When I try going through the verification process, Im presented with a number of questions that does not apply to me. After answering the questions and imputing the correct answers from my credit report, Im told the information that Id enter doesnt match the record Equifax has on file for me. This problem is only with Equifax. I contacted Equifax and they told me the computer only generate questions thats on my credit file. I explained to them that, thats impossible because none of them applied to me or my credit file. They offered to send out a free credit report to help me answer the questions in the future, for when I try again. I received the report and tried again in XX/XX/XXXX. When trying to verify my identity through Equifax, Im told it doesnt match their records. Despite me going by exactly whats on my credit report they sent. I contacted Equifax and was told they will send out a new report because the information may have changed. I received the new report that had the same exact information as the first report. I contacted Equifax once again in XX/XX/XXXX. I was told they are not able to do anything about it because the computer is the one that generates the questions. I repeated the same process in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no solution or any corrections. There is inaccurate information on my credit report that Im not able to dispute because I dont have any access and the computer generates questions that does NOT apply to me nor my credit file, AT ALL!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continued to report an inaccurate bankruptcy on my report, and claims to have verified it with XXXX XXXX and the XXXX County Federal Courts. I contacted the courts and they responded with a letter stating that they do not report to 3rd party agencies nor do they give out any information from the courts on the phone. I also contacted XXXX XXXX because I had a security freeze placed on my file on XXXX XXXX, 2017 due to identity theft. XXXX XXXX advised me that they can not release information to 3rd parties without my written consent. Obviously, Equifax has failed to reinvestigate my disputes. The Federal Court and XXXX XXXX are not the method of verification. Remove immediately! I will start legal action if needed.
Product: Vehicle loan or lease

XX/XX/21 Enter a credit transaction to obtain a vehicle in accordance with TILA under the CPA. I was not given the full amount of my finance charge but was told I preapproved for some small amount that was less than half of the finance charge itself. Me knowing pursuant of 15 usc 1602, I was extending credit to myself, which means I shouldn't have been denied this Credit Transaction that took place.
Product: Credit card

I am a victim of theft from a missing payment inside of the Nordstrom department store in the XXXX Texas. On XX/XX/year> I went inside the store to make a purchase and payment. Before leaving the store I went to the nearest teller to make a cash payment of {$100.00}. The cash payment was misplaced and stolen from the teller and never placed on the account payment history. After bringing this to Nordstrom attention, they refused to take accountability. Instead, they requested that I make the payment to cover the stolen payment. I refused to make an additional payment I demanded justice and payment to report. I was threatened that they would report the missing payment as late payment, and this caused over 4 missing payment history due to Nordstrom never correcting the initial payments
Product: Credit card or prepaid card

In mid to late XX/XX/XXXX, my CitiBank Mastercard ending in XXXX was lost or stolen and used to make XXXX charges totaling {$100000.00} in late XXXX and early XX/XX/XXXX. I noticed an email from Citibank about charges, and I clicked the email to indicate that I did not recognize the charge. ( Screenshots attached. ) Citibank then closed my account and mailed me a new card. I figured this was all I needed to do, but then I received a bill that still had the charges on it, so I also contacted Citibank on XX/XX/XXXX, and notified them that these were all fraudulent unauthorized charges. 

The letter CitiBank sent me on XX/XX/XXXX ( copy attached ) states that I am NOT responsible for any charges while investigation is pending, however the XX/XX/XXXX, bill to my card statement showed XXXX minimum payment due as the {$100000.00} charges are in dispute, but the XX/XX/XXXX, bill added {$1800.00} in finance charges and shows {$9400.00} due XX/XX/XXXX. When I spoke to the fraud investigations department they said this was a mistake, but Citi customer service says the bill is just automatically generated. 

While this {$100000.00} in fraudulent unauthorized charges remains on my bill, my credit rating goes down considerably. Citibank needs to remove these charges from my credit card and zero out the balance. I even supplied a copy of my driver license to Citi and by now they must know that whoever made these charges was not I. These are all unauthorized, fraudulent charges made in apparently the XXXX XXXX, CA area, and I have not even been in California for some time, and was not in California at all in XXXX or XX/XX/XXXX. I have proof that I was out of state and at an event on XX/XX/XXXX, when most of these charges were made, and was nowhere near California.
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 # 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 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 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

Today XX/XX/XXXX, received a statement from BJ One Mastercard by Capital One. I was charged {$55.00} to renew membership on XX/XX/XXXX. I called today and they said they would refund the {$55.00}, but the credit would not post until on the card till XX/XX/XXXX XXXX days past the penalty date, where the would charge me a {$40.00} late fee. Capital One suggested I pay the {$55.00} today and wait for a refund. This appears to be a well planned sceam to collect late fees from unsuspecting consumers and put millions in their pocket. I told him I would not pay today {$55.00}, but its not right to charge me a late fee because of a business process designed to extract late fees from customers.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 someone sent funds to my PayPal account for goods and services that I did not provide. Immediately, PayPal was notified and it was requested that they cancel the transaction and refund the sender. Through a series of phone calls, spanning several hours, PayPal confirmed that the transaction would be cancelled and returned to sender. Instead, PayPal - unauthorized - went into my checking account and " refunded '' the sender by taking my personal funds. This is a gross overstep of their use of my personal account information. I am requesting that PayPal cancel the transaction and return funds to the sender WITHOUT taking money from me, that I have not received, from my checking account. PAYPAL HAS THE FUNDS SITTING IN PAYPAL, AS WELL AS THE FUNDS THEY HAVE STOLEN FROM MY CHECKING ACCOUNT.
Product: Checking or savings account

XXXX never honored my request I never opened account with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the phone numbers listed for these companies and inquires. I was told there was nothing they could do I would have to contact the credit bureaus. Credit bureaus tell me contact the creditors. I want these REMOVED ASAP!!! THEY ARE UNAUTHORIZED AND FRAUDULENT. The inquires are listed below with names and dates. 

XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AXXXX 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

I took out this montage in XXXX XXXX and paid it off with the sale of the property in XXXX XXXX. When I try to get back into my online account to change my address so that the Tax documents will get to the correct address it tells me I no longer have access to the account. I just logged in early XXXX. When I call customer service they say the loan can not be found and asked me to provide my social security via email.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 


XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX Balance : {$5.00} XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

Ally Bank forcibly closed a joint account that my estranged ( soon to be ex-husband ) kept with a negative balance for 45 days on the morning of XX/XX/year>. When they did that, they cancelled the debit card associated with my personal checking account on accident. I can not access my account nor my funds and I am told they can only expediate a new card. I am dealing with a crisis situation with my vehicles caused by this same ex-husband where I have exactly today to correct or I will be without registration or insurance on both of my vehicles and I can only pay by cash or active credit card. I can not transfer my funds to another account and they inform me it is impossible to re-active a card once it is closed. They refuse to escalate my concern higher than supervisor and hang up on me while attempting to determine how they cancelled the wrong card and how to correct this today.
Product: Mortgage

In early XXXX we received notification that our tax collector. I made phone calls XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. On XXXX I spoke to an escalation manager by the name of XXXX and was instructed to forward copies of our bills and notices to him, after several attempts of emailing these items they were finally attached to the correct account. I was then told that a payment was sent on XX/XX/XXXX in the amount of {$1600.00} was mailed but not received by out tax collector. I have not received any proof of anything being paid or anything corrected. 

On XX/XX/XXXX I spoke to an escalation manager who informed me that the taxes have not yet been paid. I am hesitant to believe that this will be taken care of before my credit would be harmed on XX/XX/XXXX. 

XXXX XXXX
Product: Checking or savings account

I am writing to file a compliant against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds whens transactions were authorized. I was charged 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 card

I set up 2 payments of {$120.00}. with representative XXXX at XXXX XXXX XXXX was to occur on the XXXX of XX/XX/year>. The XXXX payment was to happen " XXXX '' weeks later on the XXXX of XX/XX/year>. 

I was clear on the call with XXXX that I could not afford to make back to back payments, but if the XXXX payment was " XXXX '' weeks later, I could set it up. XXXX ( XXXX ) agreed to take payment XXXX weeks later. 
XXXX credit took the XXXX payment " XXXX '' week later on the XXXX which I never agreed to. 

That unlawful access to my account put me in a terrible situation, more terrible than I was already in. 

Note : I had been out of work do to an injury since XX/XX/year>. I had fallen behind and was trying to make an honest effort to meet my financial obligations. XXXX illegally removed my money against the agreed arrangement on a postponed payment from my checking account. 

I spoke to XXXX managers ; XXXX ( # XXXX ) on the XXXX, who said she would have it investigated. Then the following day to XXXX, unit XXXX. XXXX was illusive and wouldn't answer my question. He only said it was a valid withdraw. 

( I never received an email or postal mail in regards to the agreed payments either ) I have had my bank start an investigation and hopefully have my funds returned.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has cause me great XXXX, stress, and financial hardship.
Product: Money transfer, virtual currency, or money service

Ive been asking Crypto.Com to close my XXXX crypto card for MONTHS. I sent all details and proof of ownership and identity as well through email. They kept emailing me weeks later telling me they apologize and that since a lot of time has passed since my request ( DUE TO THEM INTENTIONALLY RESPONDING LATE EVERY TIME ), to re confirm whether I want to close the card. THIS SAME XXXX HAS BEEN GOING ON FOR MONTHS. 

WHAT THE XXXX IS THIS? HOW IS THIS OK? Im extremely frustrated so posting here. THEY GAVE ME THE SAME RESPONSE AGAIN TODAY. They could keep doing this forever like this. 

WHO DO I CONTACT? This is driving me crazy. This is extremely shady. 

I know I dont NEED to close my card and can freeze and empty the balance which I did. But I want to close it and should be able to. 

Is there any agency I can report this to? Ive used very strong language with each passing email response telling them I AM SURE I WANT TO CLOSE IT AND TO CLOSE IT FOR GOOD FOR SURE INSTEAD OF DELAYING. They just wont do it. 

They keep stalling and telling me to resubmit the request or re email them back BECAUSE THEY KEEP TAKING FOREVER TO RESPOND. IVE EMAILED WITH MULTIPLE REPS AND RHE SAME THING KEEPS HAPPENING.