23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Im disputing all late charges as well as negative credit derogatory by Santander bank. The late charges staring in XX/XX/XXXX to XX/XX/XXXX. These actions are due to poor customer service retaining information I provided them on my change of address. This institution has locked me out of my online banking making it impossible to make appropriate payment. This state does not have a Santander branch so this was my only method of payment other than using the postal service. However, I have not received a statement and I cant go online to access the account. How do I know what to pay? 
As of XX/XX/XXXX I was current on my payments. In XX/XX/XXXX I called Santander because I did not receive a statement and I discovered my online account was locked. Customer service told me that my address was inaccurate but I never received a courtesy phone call on the matter and I do have a piece of mail I received from them that month. So why Im not getting a billing statement is a mystery. My account at this point was past due but the issue was the amount past due. The rep told me I owe approximately 1500 in which I thought was outrageous. I wanted an explanation but the rep could not give me a valid reason. I could not pay the entire amount and have been playing catch up at the same time compounded with late charges and late payment reporting. I asked Santander customer dispute department for help in resolving the matter without the penalties and reporting but it all fell upon deaf ears. At this point I get 3 phone calls a day and constant letters about my next payment. Threats on losing my house because of failure to make payments.
Product: Debt collection

My old bank account, that I had to close for it was being robbed. I took my name off 3 years ago. The checks that someone has stolen dose have my name on it. But it is not my account. The Bank knows and will not pay debits on that account there has been quite a lot bad checks. So they are trying to commit electronic fraud .
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) section 611, It is illegal to report inaccurate information on my credit report Please remove this item from my credit report. 

XXXX XXXX {$210.00}
Product: Credit reporting or other personal consumer reports

This is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that my claim is disputed and validation is requested.

This a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any late payments or ownership of the following account number : XXXX Please provide me with : 1. What the money was owed 2. A detailed explanation of how you calculated any late payments.

3. Copies of any and all papers that prove I agreed to pay what you say I owe. 
4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.
Product: Debt collection

XXXX the branch manager from one main financial in XXXX Oregon spoke to me and belittle about the debt I owe to them. I try to talk to him and negotiate a payment where I can afford it but all he kept saying in a very rude mean tone of voice was " you think {$50.00} is good enough a month for a {$9500.00} debt ''. Then he kept saying if I do not pay the minimum payment he threaten to garnish my wages. His exact words again in a very mean rude tone of voice he said to me " do I want XXXX % garnish from my gross wages or would I rather pay {$260.00} or however much it was. XXXX at that branch is so rude. I work with the public and there is no such way I would ever talk to the public that way or make them feel bad. Not only XXXX was flat out rude. But he does not have the public skills to deal with the public and he made me feel bad every time I talked to him. He has called me every week and I do not like talking to him at all because of how he treat me and made me feel. He makes you feel bad for borrowing a loan from the company but yet he acts like it is his own money. I have dealt with a few financial agencies and by far XXXX from one main financial is the worse debt XXXX. The way XXXX talk to me and the way he treated me is not acceptable.. Yes I know I owe I debt but I feel he does not have the right to be very rude and talk down at me. He refused to work with me on making a payment where I can afford. Yet he offer to run my credit to see if I can refinance a loan and it was pointless. One main financial offers to refinance my current loan when they know very well I would be denied. They do not try to work with you.
Product: Credit card or prepaid card

On XX/XX/2018 I sent the final payment to XXXX Credit Card ( phone XXXX ) to complete a 12 month special promotion. They claim they did not receive my check so I agreed to send a another check by overnight mail. They then cashed both checks, the one they claim they did not receive plus the one I sent overnight. 
They said they would send an electronic transfer to my checking account for the over payment. They have not done that as of today, although they said it would be an immediate transfer to my checking account. 
The amount I am owed is {$2200.00}. I have also incurred costs of late payment fee and USPS cost for overnight mail. 
In trying to resolve this issue, I have dealt by phone with two supervisors who 1. Lied about not receiving my first payment and 2. Lied about returning the overpayment. 
My payment record for over 40 yrs with XXXX, XXXX, XXXX is without blemish and I have credit score over 800. However, this is the second time Ive experienced this problem with XXXX  special credit promotions when they claim to not have received the final payment on time, so I accept personal criticism for being fooled twice. I believe this practice by XXXX Is intentional so that they can bill a late fee plus accrued interest. I sent the final payment in ample time to meet their required date. They of course can claim they did not get the check, how can the customer argue or have proof that XXXX did have the payment on time?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting TransUnion, XXXX, and Transunion to block information on my credit report that resulted from identity theft and fraud. Specifically, I seek to block the following fraudulent entries : XXXX. An inquiry at XXXXXXXX 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 XXXXXX/XX/XXXX These accounts have led to several fraudulent hard inquiries and collections on my consumer FICO credit report. I have attached a list of these inquiries, along with a copy of the consumer FICO credit report maintained by XXXX, which includes the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries mentioned above, as they were not initiated by me and are a result of identity theft and fraud. 

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof that all the aforementioned entries are due to identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company reported through two different credit bureau 's on XX/XX/2020 that I owed {$190.00}. 
I.C. SYSTEM, INC ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX MN XXXX I called them on XX/XX/XXXX to try and figure out who I owed as they are a collection agency. I took several calls to try and understand if it was my debt and finally figured out it was and I paid off the debt over the phone via check. 

XX/XX/2020 ORIG CO NAME : I.C. SYSTEM ORIG ID : XXXX XXXX DATE:XXXX20 CO ENTRY DESCR : XXXX XXXX XXXX : TEL TRACE # XXXX XXXX XXXX ID:XXXX XXXX NAME : XXXX ACH debit {$190.00} This collection agency went back and put another report on XX/XX/2020 XXXX  and XXXX XXXX that it is still not paid. I called them and they said that I needed to dispute the charges with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act requires consumer reporting agencies to be fair and respect privacy, XXXX, Transunion, and XXXX are such agencies, and I have the right to protect my private information. Financial institutions much also respect privacy and confidentiality. the agancies can only share information with my written consent. I revoke any consent given. The financial institution did not inform me of my right to withhold information. The agencies are reporting adverse information without my permission, which is illegal. 15 USC 6801 States that it is affirmative and continuing obligation to respect the privacy of its customers. Please provide proof that the payments were late. if unable to do so, update my payment history to PAANL status ( paid as agreed, never late ) and supply XXXX XXXX with a corrected credit profile. Please provide this results in the next 15 days.
Product: Debt collection

XXXX XXXX started calling calling me last week after I applied for a loan online I do n't know the company I have no outstanding loans with anyone they claim that I have an outstanding loan from 2011 XXXX and XXXX witches a scam I have no outstanding loans with anyone they do have all my personal information including my social security and the only evidence they 've given me is made of letters from their end high points assets inc is the name of the company
Product: Mortgage

The history is relevant : I have been attempting for literal years to get a modification on my mortgage due to a family emergency that resulted in a default on the mortgage. The process began in XXXX XXXX XXXXXXXX when the mortgage was serviced by XXXX. I was consistently stone-walled by XXXX for years. The pattern went like this : I would fill out the hardship applications, print off my pay stubs and current relevant information, send them through the portal. Receipt would be acknowledged electronically. They would say that my file was with underwriting and it would take awhile. I would call back for a status, they always say it was still in underwriting. At approx the 3 month mark I would call for a status and would be told told that I had been assigned to a new single point of contact and I would have to start all over. I would not get an answer on the hardship applications. Each instance of this took minimum of 3 months. This happened upwards of 10 times, so may that I had actually been assigned to two single points of contact twice and the department was huge! In XXXXXXXX XXXX XXXXXXXX there was an ethics violation by XXXX. I wrote a complaint and was assigned to an XXXX XXXXXXXX in spring of XXXX ( email attached ). I tried repeatedly to reach the gentleman who introduces himself in the email, he never responded. I have emails of this if it matters. Months later I found out that XXXX had sold the servicing on the loan to XXXX. XXXX shirked responsibility for the ethics violation by selling the servicing contract on the loan. I spent months reaching out to XXXX to no avail. I discovered that the servicing on the loan had been sold again to Carrington which is where it rests now.

Current complaint : I can't get a single point of contact with Carrington. Per Colorado law CRS 38-38-103.1 AND federal law 12CFR1024.40 Carrington is required to assign mortgage modification seekers a single point of contact. Carrington will not assign my case to a single point of contact despite multiple modification application submissions. When I have called back to follow up with the same person, making the person a de facto single point of contact, the person who answers the phone states " any one can help you '' and refuses to transfer my call to the individual. My case is very complex and " anyone '' can not help me. I have been given miss-information many times by Carrington and there is no accountability when I have to go through the whole case with a new individual with varying degrees of competency every time I call to follow up. Please find a recent email exchange of me asking who my single point of contact is with the usual outcome : " anyone can help ''
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my consent, and it's taken a toll on my credit score. I contacted Equifax, and while a representative assured me these fraudulent inquiries would be removed, they are still showing up. This situation is causing me significant stress and anxiety, as it makes me fear I could be a victim of identity theft. Not only is my credit score suffering, but its also affecting my ability to secure loans or financial products, making it harder to manage my finances and adding unnecessary strain to my daily life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XX/XX/2023 Did not authorize this inquiry and need it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I don't recognize this company. I don't recall ever entering into a contract with this company. Judging by the name, it appears to be some debt from me being XXXX  against my on free will.if this is the case, I have been incarcerated since XXXX of XXXX, so if there was any notification of debt owed, I never received it. I was released on XXXX, XXXX, XXXX. So, I disputed this debt, and I said that my address had changed, and they still would not remove this debt off of my credit report. I never had a chance to disagree or dispute the amount that is alleged that I owe. I was XXXX  for 4 years and 9 months, so if I owed any debt for being XXXX, my time XXXX  should cover it. But, I know I never entered into any contract saying that I would repay someone for being incarcerated against my free will. So, please have them to remove this debt, I was never notified of it ... thank you, very much.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. $ XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions XXXX also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as highlighted in the CFPB 's recent administrative proceeding. 
( XXXX XXXX. XXXX ) against them for similar violations. request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Vehicle loan or lease

purchased used vehicle XX/XX/2022. The finance company repossessed vehicle on XX/XX/2022 and cancelled contract. They told me that there is no grace period for 1st payment ; however, the contract doesn't state that. They will not allow me to reinstate the vehicle and has sold it back to the dealership. 

In Maryland, I am to be notified within 10 days via personal service or certified mail of their intent to repossess and provided an opportunity to reinstate the loan and to redeem the vehicle, but those options were not given to me. 

I am now out of my down payment and have no vehicle.
Product: Credit reporting or other personal consumer reports

This company just swooped in to add me in their frivolous claims that I owe them when I never had business with them. After careful investigation, I found that XXXX is a company that reports fake credit of the amount of {$2500.00} on individuals credit report for a fee. This service a scam to manipulate the real credit scores of unworthy individuals so that they can get credit extended to them by creditors. The address they have on file for me is a address that I was never associated with and the email address used was also a email address that I wasn't affiliated with. I am a victim of fraud, and my information was stolen along with my purse. The person that stole my purse has opened several accounts in my name. I've been fighting for years to fix my credit. I need this fake account removed from my credit profile immediately. Here is my police report number is XXXX the detective that handled the case is Detective XXXX of The XXXX Police Department. His direct line is ( XXXX ) XXXX. This information and a affidavit of identity was sent to XXXX support on XX/XX/year> and they been ignoring me ever since and never replied to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain 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 verified that these items are being reported correctly? Who verified these accounts? 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 accounts 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 ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX/XXXX XXXX failed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/20157, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, XXXX XXXX/XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of CA allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX/XXXX failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve XXXX XXXX/XXXX is held liable as well for defamation and in the state of CA a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX  XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my address is wrong on my credit report it need to be updated XXXX XXXX XXXX XXXX XXXX NJ XXXX Experian XXXX XXXX I never lied at XXXX XXXX XXXX XXXX nj XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : XXXX XX/XX/XXXX XXXX Acct : XXXX {$4500.00} XXXX : XXXX XXXX  XX/XX/XXXX XXXX Acct : XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX {$4500.00}
Product: Debt collection

This is not my account and I'm unware of this debt and did not have the opportunity to dispute, so please delete. 
Also, provide the following if required : Assignment of debt Method of verification Validation of debt
Product: Checking or savings account

On XX/XX/2023 both my cash app visa debit card and my phone were stolen. I immediately reported my card as stolen and requested a new one. The next day when the charges were no longer pending, i disputed them. There were a bunch for XXXX play and XXXX XXXX XXXX Less than XXXX XXXX  later cash app decided that these charges were not fraudulent. When I asked for documentation they used to determine that I was not given actual documentation. After stalling and delaying I was given a letter from a dispute representative with 1 transaction typed out as " card not present ''. Yeah because they used my stolen phone and card information! It is XXXX XXXX  that cash app does not follow visa cards dispute policy or any legal policy put into place. They also refuse to allow any appeal of this decision, even though it was clear they investigated nothing.
Product: Consumer Loan

They are trying to make me pay for a loan thats not mine.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I started an allotment with Bank of America for {$560.00}, to go to routing number XXXX account number XXXX. This allotment was for the mortgage for my house that I am pay XXXX. The above information was given to me by the associates at XXXX since they do not have the ability to do allotments. I am a XXXX XXXX and the allotment comes out of my pay through XXXX. I have contacted XXXX several times letting them know that the funds was not going into the intended account because my mortgage had not been paid. So we stopped the allotment. The tracer # for this transaction of {$560.00} is XXXX. XXXX has attempted to work with Bank of America to get those funds returned since they did not go to the intended purpose of paying on the mortgage account at XXXX. The last attempt we made was 2 weeks ago and they stated that due to COVID-19, I may not see those funds. To the bank it might not seem like much, but when I had to switch money around for 3 months to cover bills because they refuse to return the funds makes it a hardship on my family.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft please remove this fraud inquiry from my credit repor