23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a bill in the amount of {$1400.00} from US Bank. I left US bank and closed my accounts with them back in 2018. Im not sure why in receiving a bill 3 years later. I have been paying off my credit card with US bank since then which is in collections. I do not recall or understand why Im receiving this. I already owe US bank over {$4000.00}. Now this? Im sorry but they combined everything I owed them into one amount and Ive been paying since. This is wrong and incorrect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is falsely validating an account on my credit report. This is inaccurate information as it does not appear on my other credit reporting agencies. Here is another copy of my ftc report as well as my ic3 referral form that I have submitted before. If this account is not investigated properly and removed as it is a FRAUDULENT account as I have documentation proving this account was not opened with my knowledge nor consent I will be taking this to court for damages to my personal character as well as reporting fraudulent information to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate reporting from Equifax previously. A collection is reporting that I am positive is not mine. They claim to have investigated and said the information is accurate. I have a different account that has been paid in full over 45 days ago. This account has always been in good standing and just has not updated the {$0.00} balance through Equifax. I disputed the reporting balance of {$4300.00} and AGAIN was told this information was accurate. I can easily prove the balance is NOT accurate. My point is this ... ..Equifax did NOT investigate either one of these disputes. This is a violation of the FCRA. This illegal activity must be stopped. The impact their reporting has is huge and that responsibility must be not be taken lightly. No excuse for violating my rights.
Product: Credit card

I am filing a consumer complaint against American Express. I have XXXX cards with them : platinum charge card and a blue preferred credit card. I have had a previous CFPB bank fraud case. The case number is XXXX. I have notified Amex about this and how it has affected my finances. Since XXXX, I was able to make electronic repayments in XXXX ; however, American Express removed this option for the blue preferred credit card. I still paid off my platinum card. Well, Amex cancelled XXXX cards this XXXX. I deemed that grossly unfair when the company removed its electronic repayment option for the blue preferred credit card. I had always paid electronically because then the money would be applied to my account faster. American Express can not remove my ability to establish a repayment plan but then penalize me and my credit history in the process. Furthermore, having been an American Express card member since 2012, I had a stellar payment history until this summer. There was no rhyme or reason why American Express would cancel me then harass me three times a day ( from XXXX even on XXXX to XXXX ). Its phone number that it harassed me from is ( XXXX ) XXXX.
Product: Debt collection

XXXX XXXX XXXX RADIUS GLOBAL SOLUTIONS  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX has been sending me collections notices in the amount of {$220.00} .The collection has been reported as pasted due balance.I do not know this company. I have never done any business with this company. This company does not a contract with my signature.
Product: Checking or savings account

I paid the XX/XX/2019 credit card installment of {$100.00} but Citi has not credited it to my account and has harassed me with some 6 telephone calls in 1 week! Citi maintains no office for payment!
Product: Bank account or service

I was recently charged an overdraft fee on my BBVA Compass account of XXXX, but no where on my bank online did it show that I went negative. If the bank is going to charge an overdraft fee, then there should be transparency and the bank should, at the very least, show me where I went negative. Instead, my balance never reaches a negative balance on my bank online. I feel that the method of accounting that this bank is using is meant to take advantage of consumers because people are being overcharged non-sufficient funds when their accounts never reach a negative balance on their bank online. If the banks are going to be charging overdraft fees, then they should, at the very least, show you why they charged you a fee.
Product: Credit reporting or other personal consumer reports

Following the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documents, which include a photo ID, a utility bill, and a letter from an advocacy group assisting me with debt bondage related to XXXX XXXX as defined under XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I respectfully request that you remove this information from my credit report within four business days, in accordance with section 605C of the Fair Credit Reporting Act. I have provided my identification and the required documents from the acceptable items list, with only two being necessary under the law. Additionally, I have included all required documentation and a victim determination letter as per section 1022.142 ( b ) ( 6 ).
Product: Debt collection

I purchased this vehicle at a desperate time. Santander approved the loan which was considered a bad loan ( See XXXX million settlement information for Massachusetts ). I got to a point where i could no longer pay for the very high vehicle payment ( {$550.00} ) interest rate of 21 %. The vehicle got repossed two times. i will include why they violated all of my rights and didnt follow the law. 

1. When i was late on the payment they were very aggressive on the phone with me and threatened me with repossession and yelled at me. 

2. called my employer, requested a supervisor and told my supervisor i was late on my car payment and that i needed to make a payment. Gave him details of my account. days i was late and amounts. 

3. I didnt receive notices prior and right before the repossession.

4. the car was repossessed from my long shared driveway. my car was all the way at the end of the driveway. it is shared by 2 houses with one of them being condominiums and owned by 4 owners. Not in a public way and didnt get permission from anyone to go in the driveway. This is against the law. 

5. on the repossession mentioned above. it was conducted at XXXX. I only know this because the repo man knocked on my door, rang the bell and woke me up. totally disturbed my peace and my neighbors who all woke up. He showed me the order from santander for repossession. 

6. I received the vehicle after paying crazy fees. when the vehicle was taken it was damaged and also involved in a hit and run. i got a check from the insurance to repair it. 

7. i continued to struggles with backed up payments. the repair check was sent to santander. i called and told them i planned to return the vehicle but wanted it fixed first prior to selling it at auction. 

8. I took the vehicle to an autobody shop. he could not get the check from santander who refuse to release it. Eventhough the check was from my car insurance that i paid for and had every right of the check. 

9. Santander once again violated more rules and repossessed the vehicle from the auto body shop. talked to the owner and he said they never released the check and they showed up in the morning and took the vehicle. 

10. the car was never repaired as requested by the insurance. the vehicle was sold at auction damaged and i never received any notice of the sale or anything. the insurance check is still unknown what happened to it. they cashed it? spend it on gifts? i dont know. 

11. Santander is still haunting me. i cant purchase a home for my family and live in a tiny apartment because they destroyed my credit.
Product: Debt collection

I received a phone call from XXXX today XX/XX/2018 @ XXXX. 
I do not know what the call was about except an attempt to collect a debt and they left a robocall voicemail on my voicemail message system. 
I don't owe anyone any money. 
I want all these calls to stop asap!
Product: Credit reporting or other personal consumer reports

These acounts listed on my credit reoprt are not mine and i have no knowledge of them
Product: Mortgage

Hudson City Savings Bank delayed or colluded to delay our conventional mortgage application to force an increased rate - the very highest in the nation currently - even though applicants/buyers are of the highest credit standing, for a total cost increase of more than {$55000.00}! 
We applied for a conventional mortgage in XXXX, finalized in XXXX but a closing date was not set until XXXX XXXX. There are no credit issues with the buyer or issues with the property. Buyers have excellent credit and full financial resources to meet any bank requirement. The loan was placed through a mortgage broker, XXXX, since he helped provide pre approval rather than our bank, XXXX whom we have an excellent relationship with. All papers were submitted to Hudson City by XXXX XXXX. Clear to close was not given until XXXX XXXX. 
Upon speaking with a XXXX at the closing office I was told it was my own fault because there is a clause in the mortgage contract, separate from the mortgage contingency, that provides for the sellers to have three weeks AFTER clear to close so they can move. XXXX at Hudson City said she discussed this clause at length with our attorney and that it is our own fault for signing the contract. The deal of four business days will cost us {$26000.00}. Hudson city, had full knowledge and deliberately delayed as is evidenced by their representative 's remarks about our signing the contract. Such behavior is disputable and unacceptable. We are consumers and trust the bank we apply to be honest and forthright with us. We also hire an attorney to protect our rights. Neither has occurred thus far. 
Closing is set for XXXX/XXXX/2015 with the rate lock running out on XXXX/XXXX/2015 allowing Hudson City to charge a higher than industry standard rate by a full half percent - or more than {$55000.00} over the life of the loan.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( s ) : 1 ) Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, time 30/60/90 Days Late and amount past due. 
XXXX ) Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, status and account details Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : letter XXXX, Proof of Inaccurate, ID, Bill, SSN
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

I am a victim oXXXX XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX  determination letter according to XXXX ( b ) ( XXXX ).
Product: Mortgage

I submitted my monthly payment as normal via my bank 's epayment service. All other vendors received payment but Ditech has not received my XXXX 2016 payment as of today 's date XXXX/XXXX/2016. To avoid bad credit reporting, I was forced to repay the XXXX 2016 payment for a second time on XXXX/XXXX/2016
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous fifteen attempts to correct inaccuracies regarding late open accounts on my credit report. Despite my repeated disputes and submission of all necessary documentation, these inaccuracies remain unresolved. 
I have enclosed copies of all relevant documents once again for your reference. These items are incorrect, and their presence on my credit report is causing significant XXXX to my creditworthiness and financial well-being. I request that you take immediate action to investigate and correct these inaccuracies on my credit report. If this issue is not resolved promptly, I will have no choice but to seek assistance from you and pursue further legal action if necessary. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to formally dispute a charge on my credit card related to XXXX XXXX : XXXX XXXX, specifically the purchase of a XXXX XXXX XXXX XXXX XXXX XXXX the amount of {$360.00}. I appreciate your attention to this matter and kindly request your assistance in resolving the dispute. 
On XX/XX/2023, the XXXX XXXX XXXX XXXX XXXX XXXX which was scheduled for delivery on XX/XX/XXXX, was supposedly left at my mailbox without the required signature confirmation / One time password. According to the USPS tracking information : XXXX, the item was marked as delivered a day before the expected delivery date. The failure to obtain a signature or one time password, as initially specified for delivery, raises concerns about the security and integrity of the delivery process. 
Subsequently, on XX/XX/2023, I contacted XXXX customer service to report the missing package. To my surprise, I was informed that a refund would only be processed if I filed a police report. However, I firmly believe that the responsibility for the missing package lies with XXXX and their chosen delivery service, as the package was left without the required signature and no one time password was requested or provided to carrier. 
In light of this situation, I promptly contacted Synchrony Bank on XX/XX/XXXX for guidance. The customer service representative I spoke with reassured me that it is not my responsibility to file a police report and, in fact, advise me to dispute the charge. Consequently, based on this guidance, I am formally disputing the charge of {$360.00} for the XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 
I have attached relevant documentation, including order confirmation, XXXX requiring signature / one time password for the order and USPS tracking information, indicating the premature delivery and lack of signature confirmation. I kindly request that you investigate this matter and assist in the resolution of the dispute. I believe it is unjust for me to bear the responsibility of filing a police report for a package that was not delivered according to the agreed-upon terms. 
If further information is required to expedite this process, please do not hesitate to contact me at XXXX or XXXX. I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this dispute.
Product: Money transfer, virtual currency, or money service

account. 
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 proce 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.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : US DEPARTMENT OF EDU-Balance $ XXXX Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance XXXX XXXX-Date Opened XXXX XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ 10,122-Date Opened : XX/XX/XXXX XXXX DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance XXXX 6,224-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ 11,264-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ 10,689-Date Opened : XX/XX/XXXX XXXX DEPARTMENT XXXX XXXX $ XXXX Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance XXXX XXXXDate Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX BAN-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 34 % Balance {$150.00} Balance updated XXXX XXXX XXXX  Credit limit {$450.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX XXXX  Account type Secured Card tatus Account charged off. {$150.00} written off. {$150.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXX Past due amount {$150.00} Highest balance $ XXXX Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

This is my third attempt to resolve this issue with cfpb. 

History : I requested validation and did not receive. I sent a cease and desist. Portfolio ignored it. I sent another. Portfolio ignored it. 

I filed a complaint with cfpb. Portfolio switched my credit information from active collection to closed collection with a balance owed of more than {$8000.00} on two account but left it as an active collection with the third agency. 

Portfolio still has not validated yet still continues to report on my three credit reports XXXX, XXXX, and XXXX. 

I have already put requests in with Consumer Protection lawyers and will be moving forward with a law suit against Portfolio Recovery for violating my legal rights if this is not corrected immediately. 

Please see all proof attached.
Product: Debt collection

I paid off two outstanding bill from Mid-Michigan Collection Bureau. Still on my credit report. # XXXX & XXXX are the account numbers
Product: Mortgage

We contacted Caliber Home Loans to apply for a home mortgage to purchase a new home and were fraudulently misled with regards to the loan terms. We made it specifically clear that our intent in requesting the mortgage was to purchase a new home, and we would then immediately sell our current home, and apply those proceeds to our new mortgage. Because of this, we needed a mortgage that would allow us to make a large lump sum payment once we sold our home and lower our monthly payments going forward. Once we sold the house and made the lump payment, Caliber refused to honor the terms promised to us by our loan officer, and will not lower our monthly payments despite use making our large lump sum payment, and have instead shortened the duration of the loan rather than lowering the monthly payments. Despite repeated requests for resolution, Caliber has refused to honor the terms promised to us by our loan agent though our loan agent has confirmed that the loan terms we received were not the terms that we requested, were promised, or were told that we were signing. These are fraudulent and predatory loan practices taking advantage of the consumer, and we are requesting assistance in resolving this issue.
Product: Checking or savings account

On XX/XX/year> when I was in XXXX, FL for hurricane XXXX my atm card for my saving account was used and {$400.00} was withdrawn. This occurred it looks like in XXXX, FL and I immediately contacted Wells Fargo as soon as I saw it on XX/XX/year>. I explained to them that I am out of town for a hurricane and that I did not authorize no one to use my card because I didnt know who used my card. I did not speak with anyone else from Wells Fargo once I filed the claim but they said it was authorized! How can I possibly withdraw the money if I was out of town?! Over XXXX hours away. Now XXXX stuck without my money and I need my money because right now XXXX staying in hotels due to the damage from the hurricanes. I even told them not to replace my card due to the fact that I didnt know when I was returning home. At this time I need help getting my money back because that claim should not have been denied!