23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The city of XXXX XXXX XXXX was charging my old apartment that I moved out on XX/XX/XXXX that I have a letter from management. I am not responsible for any bills after that date. I wrote a letter to everyone that I was moving. I told them I felt that a mail moving letter and the mailman said this goes to absolutely everyone that builds you that you dont have to worry about a thing will take care of everything we notify everyone that you have moved on XX/XX/XXXX I told him I would have them a letter by Monday on the XXXX that Friday are you fraudulently went into my bank account without my authorization and took out {$68.00} without my permission. There is no money in that account so I called my bank and told them they said theyre not allowed to do that so that giving me my money back the bank and I called the city of XXXX and told them they said they would give me a refund and a check I said you dont want that the bank will give me my money back so they were charging me for three months when I was not living there they were aware that I was not living there
Product: Credit reporting, credit repair services, or other personal consumer reports

This serves as my follow up submission of my concern regarding these listed inquiries which I sent a letter to the XXXX, XXXX and TransUnion Credit Bureaus dated XX/XX/XXXX. I am reaching out to the CFPB for assistance in ensuring that the aforementioned three Credit Bureaus handle my request for inquiry removal with utmost professionalism. Kindly find below a compilation of inquiries that are either not associated with me or were initiated without my authorization, necessitating their removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per FCRA Section 605B ( a ), Credit Reporting Agencies should block any information in my file that I identify as resulting from alleged identity theft within four business days of receiving the report.
Product: Credit reporting or other personal consumer reports

I believe that this account is reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has tanked since banking with this Bank. I started the administrator process to valid the alleged debt that I supposedly owe to this Bank. Theirs response had been flooded by generic letters without providing the original contract bearing my wet ink signature ( promissory note ). According to the Fair Debt Collection Practice Act ( FDCPA ), I have the right to validate any debt I owe. This Bank had since left tons of calls, voicemails and letters trying to correspond with me and ruined my credit score with late payments and delinquent accounts. This Bank have committed fraud for reporting unvalidated information to the 3 major credit bureaus. Im not hesitant to bring a suit against this Bank for violating Fair Debt Collection Practice Act ( FDCPA ), Tax fraud and defamation of Character! These banks must remember that WITHOUT the consumers, theres no business! Ask yourself : Whats a Debt? Legal tender was no longer required for payment of debt on XX/XX/1977! 
According Social Security Number, Im classified as a minor. A minor can not be a party to a contract ( HJR 192 )!

Banks can not loan money. They are in business to buying securities. The consumers signature CREATES the security! And since this Bank have submitted my account ( s ) to collections, they have committed a felony for unlawful use of my Social Security Number. This is grounds for identity theft and distortion. BY LAW, all 3 major credit bureaus must remove these accounts from my credit report. *BOOM* ( Ending Note ) The consumers are the original creditors but was misled by these greedy banks into thinking were the debtor!
Product: Mortgage

My name is XXXX XXXX, My father, XXXX XXXX, passed away, XXXX XXXX, 2014. I have been living in his home for XXXX years taking care of him, until he passed. Also living with us where, my son, his wife and my Grandson. Upon my fathers death, I notified ( HSBC ) Beneficial, sent them death certificate, and explained to them I was willing to take over the debt with a lower payment, or do whatever what needed to keep this home. First they refused to speak with me. Then they have been requesting paperwork after paperwork, to which I keep faxing over and over. They keep stating they do not receive them. I have also sent the Executor paperwork and notarized relinquishment papers from all XXXX of my brothers. I gave them the Estate attorneys information, and they refuse to speak with the attorney. After all this time, they now tell me the home is in foreclosure status, without even notifying me in writing. But will notify me of a date to vacate the property. The only other thing they continue to tell me is " This is not your debt, this was your fathers debt, and you should not be responsible for it ''. My mother designed this home, my father built this home, and I was raised in this home. I gave up a home and property to come back to take care of my father, who was ill. I spent all of my savings to keep this place going. Now they wo n't even give me and my family a chance to keep it, now they want to throw us out on the street. All because " it 's not my debt! " They do n't seem to care that XXXX people will be homeless! 
This is ridiculous, when I have tried to work with them for over a year to adjust payment, or get a new loan in my name to pay for this house to keep it in my family, and to keep XXXX people from being without a home. 
Apparently, they like taking peoples homes and leaving them on the streets. This is not the AMERICAN way to do business people!
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many violations on my consumer report that goes agaisnt FDCPA, XXXX XXXX XXXX XXXX. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXXXXXX XXXX  Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This has caused emotional stress simply because the credit report agency are not going through the proper steps to report these accounts. All these accounts require abritation according to their policy and can not be reporting or submitted to a collection agency or as charged off to attempt to sell my information. 

As this my XXXX time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Product: Debt collection

I have never done business or provided Portfolio Recovery written instructions. 
The company has not provided legit documentation, I have yet seen. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Uniform Commercial Code ) ; 1. A copy of the contract signed by both parties and therefore binding both parties. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 2. ) Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of XXXX and what actions s/he has taken in relation to this account. 

Portfolio Recovery is collecting debt outside of the statue of limitation, threatening and filing collection suits without the intent to prove the debt. Filing false or misleading affidavits in debt collection actions, making false or misleading representations. 

Portfolio Recovery did not provide the required disclosures to consumers when collecting on debts beyond the statue of limitations. 

A letter was sent out on XX/XX/XXXX XXXX. A complaint was failed with the CFPB and still no resolution, this is my second complaint against Portfolio Recovery with the CFPB. 

I also called XXXX to get this account removed and they couldn't verify me and continued to hang up on me and still has not validated the debt. 


I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days, from the above date, to validate the debt, has now constituted your agreement to the following terms : That the debt did not exist in the first place; OR It has already been paid in full ; AND That any damages I suffer, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further. You have not proven any debt, if you sell the alleged liability, and/or appoint an agent to act on its/your behalf on this matter you will have broken our agreement and you agree to pay the following fee schedule $ ( XXXX what they are claiming ) for dishonoring our agreement, XXXX per hour or part of it of Authorized Representatives time nunc pro tunc, {$1000.00} per recorded delivery or any other form of response nunc pro tunc also any further contact is now not necessary, if however you deem a need to contact me by phone or letter the fee is {$100.00} per item payable in advance, place the check in the envelope, if no payment is made in advance the fee will rise to {$1000.00} per item and you will also be held culpable for any cost incurred while recovering the debt you owe.
Product: Credit card or prepaid card

my name is XXXX XXXX, my ssn is XXXX I have applied a Oportun online credit card on XX/XX/2021. Someone hacked my online credit card account and use others bank account paid for my autopay balance on XX/XX/2021. And then change back to my original boa XXXX autopay setup. 

facts : I setup my autopay of my XXXX XXXX  XXXX saving account for the balance on due date. when i log in yesterday of online credit card, the first autopay of {$250.00} is succeed shows on autopayment list. But the autopay account which i setup before which is XXXX XXXXXXXX XXXX saving account ending XXXX does NOT have this payment deduction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, and U.S. Department of Ed violated my 609 rights by reporting incorrect information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 


XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report. This is a violation of my consumer protection rights.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX BANK NA XXXX, XXXX BANK XXXX XXXX, XXXX XXXX XXXX BANK XXXX, XXXX XXXX and XXXX XXXX XXXX
Product: Student loan

I have grad school loans through MOHELA- I have set up direct deposit 3 times now and each time it says I am good to go. And every time my payment deadline rolls around my money is not withdrawn and I get hit with a late payment.
Product: Checking or savings account

I like many other times, used Chime Bill Pay service to mail a check to make a payment. Like normal I submitted the payment to be mailed, about 2 days later I received an email stating that the payment had been sent. I few weeks had gone buy and I was getting calls from the lender saying that my account was past due. I was like how is this possible, I mailed the check in plenty of time. I contacted Chime to find out what was going on, and first they told me it was never sent, I told them I received an email stating that it was. Oh ok let me look into it further, I heard nothing for 4 days. I contacted Chime again, it was escalated to the dispute team. It's been sitting in the dispute teams hands for over a week with no movement. I endured a late fee from my lender because the payment wasn't received. I'm asking them to return my check amount and also pay the late fee as something obviously went wrong on their side and my payment wasn't sent. I have not received a response in 3 days. I keep contacting and get no where. This is absolutely ridiculous and un-acceptable! Once this is resolved I'm closing my accounts with them!
Product: Mortgage

On XX/XX/XXXX my mortgage was transferred from XXXX XXXX to Mr. Cooper. At that time my escrow balance was XXXX for PMI. On XX/XX/XXXX, my statement from Mr. Cooper had escrow balance of XXXX. On XX/XX/XXXX, my statement from Mr. Cooper had escrow balance of a ( XXXX ), after I had paid for XXXX. Mr. Cooper 's escrow analysis done in XX/XX/XXXX determined that I must pay XXXX a month for an escrow shortage for this year. I have paid every statement on time with the XXXX included. I contacted their escrow dept. for an explanation and got no explanation for the difference between XXXX & XXXX. I will pay the excessive amount for now but want to know what happened between XX/XX/XXXX and XX/XX/XXXX to my escrow account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in myreports with XXXX, XXXX and TransUnion credit reporting agency. These items wereopened fraudulently. Ive informed all parties of the issue & provided the necessarydocumentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the creditreporting agency & data furnisher have not provided me with any evidence of an opencontract, signed contract or any valid proof this was opened, authorized or created by me.Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX  ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XXXX : {$3600.00} XXXX XXXX ( XXXX : XXXX XXXX  XXXX  ) XXXX Balance : {$4100.00} ; XXXX XXXX : {$190.00} ; XXXX XX/XX/2021 XXXX
Product: Debt collection

Santander Consumer refuse to remove debt from my credit report ; violates 15 usc 1692 ( 1 ) ( d ) the debt is was charged off as profit/bad debt ; so in fact Santander consumer was paid for the debt ; with my social security number, tax write off, commission, and or insurance ( paid by me ; collateral/premium ) ; 15 usc 1693e positive balance The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ; violates 15 usc 1692, abusive, deceptive, unfair, invasion personal information. I wad always a on time payer until the Gap insurance SC sold me, wouldnt pay off the final balance ; of coarse its always a reason not to pay ; Santander hindered my progression with a better job, car, and home for years ; I never gave Santander permission to report to any credit reporting company, if so it was revoked ; it was 11 years ago when opened why I dont know. When I spoke with them they refused to removed it, thus I thought there was nothing I could do, until now. Santander was paid by my social, tax write off, insurance unknowingly paid by me ( premium/collateral ), and or some type of commission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Subject : Cease and Desist Notice To Whom It May Concern, I am writing to formally request that you cease and desist from reporting inaccurate and unauthorized information on my credit report.

My personal information has been reported without my consent, and I have evidence that this information may be inaccurate or misleading. Under the Fair Credit Reporting Act, I request an immediate investigation into these matters. 

Details of the Disputed Item : o Creditor Name : XXXX XXXX XXXX o Account Number : XXXX. 
o XXXX of the Issue : Never had an account with these company, inaccurate information I expect that you will stop any further reporting of this inaccurate information until the matter is resolved. Please confirm in writing that you have received this letter and that you have complied with my request within 30 days. 
Thank you for your prompt attention to this matter. 

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

This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. All they gave me was a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step up and fix this error Reverse the late payments on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX 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
Product: Credit card or prepaid card

I was charged a foreign transaction fee for a purchase I made on XX/XX/2023. I was surprised to see the charge as 90 % of the credit cards I own don't charge a foreign transaction. I called to ask if it can be removed, and the first rep. said he will remove it and put me on hold to do so, and then the line got disconnected ( I the time I thought, this was accidental on their end, but now I suspect it was INTENTIONAL ). Then, I called back and told what happened to the new rep. that picked up, and she said if I have not had a fee waived in 12 months, she will be able to waive it for me. She checked and verified that I did not have any fees waived in the past 12 months, and said she waived it for me. 

One week passes by, and I notice the fee is not credit back to my account, so I call to follow up, and the rep that answered said it was waived and will be posted by XX/XX/2023. XX/XX/2023 came and went, and the fee was still not credited back to my account! So I called today ( XXXX ) to follow up again, and asked to speak to a supervisor this time. A supervisor by the name of " XXXX '' answered and notified me that they do not waive fees, and I have to do it at a 'local branch. '' She also told me that their are " no notes '' indicated the fee was waived by any of the three reps I previously spoke with! All the reps lied to me and the first one even hung up the phone on me! 

So, then I called my local branch of " Bank of the West '' just XXXX mins ago, to ask them to waive the fee, and she told me she has no access to my Bank of the West Credit Card, and that I would need to call the XXXX on the back of the card to get the fee waived! Which is what I already did and explained here what happened! 

This bank of lying to their customers and hanging up the phone on them! They have the WORST service I have ever come across!
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 number:XXXX Account name : XXXX/XXXX  Account number:XXXX Account name : XXXX  Account number:XXXX Account name : XXXX/XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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.