23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

im not sure how you plan to get anything addressed without my personal information but i'm going to try this again. i have been fighting with XXXX , XXXX/XXXX  since early XXXX when they began to refuse taking payments on my acct. they have sent me documents with knowingly false information regarding my attempts to clear up their problem. when it was reported to them that theu made statementsn that were false and which they used to deny loan mods 6 times as well as appeals 6 times that they say i applied for but did not. they have refused to supply copies of documents they say i sent and later admitted they did not have them but say they did nothing wrong. they never supplied a continuos contact and i was forced to tell my story to countless people over and over. they had me cancel a bankruptcy and denied me again. they have lied, stalled and done everything they could to foreclose my property. i have reported all of this to XXXX XXXX and have been met with more of the same if not worse treatment. they claim to have looked into and found nothing fraudulant. i have been lied to, hung up on and refused any recourse when it is obvious they have both broken federal laws. in XX/XX/XXXX they all wanted this to go away so they transferred me to sps to serve as the new acct servicer. i was immediately receiving the same type of letters with false information regarding apllication documents. we entered a written agreement that i would be considered for all avenues to modify my loan and no further foreclosure activity would be pursued while i gathered the documents they requested to be due in by XX/XX/XXXX. i had everything they asked for in by then on time. on XX/XX/XXXX a rep call and asked for more information which i did provide and she mistakenly revealed that they had been pursueing a sale date although there was an agreement in place that it was not to happen and secured a sale date of XX/XX/XXXX. i then advised that they were dual tracking which she did not deny and they quickly had that cancelled. the forclosure atty, sent notice that i had a payoff of some XXXX which is XXXX higher than sps has said. i have reported all these infractions to everyone involved to no avail and they choose to ignore any wrongdoing. i have been harmed in every conceivable way from my credit being destroyed, mentally, financially and physically my life and marriage of 36 years is in shambles from the stress we have been put through. cfpb did nothing in the past with XXXX   violations and the torture has continued. i would have thought that a consumer financial protection agency would protect the actual consumer at some point so here i am once again seeking protection and to be made whole from all that we have endured. i have written and recorded evidence to back up everything i have said and am ready to produce it anytime.
Product: Checking or savings account

Hello, on XX/XX/2020 my bank account was compromised ( pnc bank ) for the amount of {$1800.00}. {$800.00} was a cash withdrawl which pnc gave me provisional credit. The other amount for {$1000.00} was in the form of a XXXX transfer which i have disputed twice and turned down. I have never used XXXX at all. With additional notes on the second dispute i was turned down again. I never authorized this transfer. My local bank manager said there was nothing else i could do. Therefore i am filing this complaint and asking for help in this matter. I feel my bank has let me down after being a loyal customer for seven years.
Product: Debt collection

Southwest Recovery Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, ( XXXX ) XXXX, XXXX is trying to recover a debt on behalf of XXXX for {$4700.00} Account Number : XXXX Agency ID : XXXX. 

They have reported this against me and my spouse and reported to credit bureaus against both of our credit history that significantly reduced our credit rating. 

The debt does not belong to me or my spouse, nor we have any contract or agreement with either of the parties above, nor have ever hired them to provide any service. They have only produced a bill in our name that was meant for insurance company and we do not recognize the services XXXX mentioned in the bill. We would not have ever approved for what they are billing to us and the service they claimed they provided but did not and not with any agreement or contract with me or my XXXX. The bill-to customer in attached bill they are claiming is not me or my wife. And we have no contractual obligation.
Product: Debt collection

A XXXX from North Star Location Services continues to call my personal cell # looking for my daughter XXXX XXXX. He also harasses her along with her father for some unknown debt.
Product: Debt collection

I've sent atleast 3 certified letters to Portfolio Recovery in regards to an account that mysteriously showed up on my credit report. They never sent me a letter to be able to dispute debt. When they did call me in XXXX, I quickly asked them to send me a letter in regards to their debt collection. When I discovered this collection on my credit report, I was shocked to find that the open date of XX/XX/2019 since which is well past the window of which I can lawfully dispute the debt with a collection company. Starting in XXXX, I quickly sent them validation letters and have been sending them a letter once a month ever since. They have never sent me any validation despite me sending certified letters with proof that they received them. I attached my last letter sent to them via certified return receipt.
Product: Credit card

The Hotel had posted a charge on my credit card when the hotel stay was prepaid by a travel company used to book the hotel. The Hotel could n't locate the charge to refund and the travel agency recommended disputing the charge to refund the money. I disputed the charge with the credit card, receive a notice that I could supply additional information or a routine investigation would be completed. A month later, the dispute was rejected and I called the credit company and asked why. The credit card company representative told me the routine investigation consisted of essentially of doing NOTHING. It seems like the ENTIRE work on disputing the charge is on my end. I will be filing out the paperwork to send but I am extremely disappointed in the deceptive described service of " investigation '' which amounted to doing nothing. I think it is unfair for the typical consumer, especially for a straightforward case like this where the vendor does n't even deny the dispute, to expect a REASONABLE investigation to be performed when in fact, basically NO investigation was actually performed. Advertising to do an investigation and actually doing nothing and then asking the consumer to do XXXX the work is false advertising.
Product: Debt collection

I received a bill from American Coradius International LLC for XXXX to an address that I don't live at for a bill that I do not owe or know anything about. The bill is {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$24000.00} XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$62000.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}
Product: Credit card or prepaid card

My name is XXXX XXXX. I just noticed that my statement balance in my XXXX XXXX card in which I'm the authorized user on this card. The statement normally closes on the XXXX of every month. It closed a day before causing my credit score to had dropped. I am trying to dispute my statement balance is over the limit it is supposed to be. The last XXXX digits of credit card is XXXX it is from my XXXX XXXX XXXX rewards card
Product: Debt collection

We were pre-approved for a service many years ago, and just recently ( 2 years ago ) when we went to do a refinance we were notified that we had a debt from the banker not the collection agency. Then I followed the steps to prove I do n't owe, and I got a voicemail saying the claim has been paid, and I do not owe anything. Recently I was called again saying only part of it was paid and I still owe money. I asked for verification of debt and have not received anything. I last requested and explanation of benefits vial emai as I was told to do on XX/XX/2016 and then spoke with XXXX from Maury Cobb again on XX/XX/2016. I do n't have any bills to reference because no one will send me any information just a few reference numbers.
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 tak-timely and effective measures to prevent : 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 XXXX 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: Consumer Loan

I was reported XXXX days late from Santander Consumer usa in the months of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. The report was not showing late payment until XX/XX/XXXX. I made all payments on time and do not understand why they added these late payments to my credit report
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$1000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

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

Under consumer law 15 usc 1681c 2 which states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Your company has not removed the inquiry before the allowed time, which is a violation. 

Be mindful that according to 15 usc 1681n which states : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Also under consumer law 15 usc 1681o which states : Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I would also like to remind you the out some of the Miller v. XXXX case that was settled for {$18.00} million in damages.
Product: Checking or savings account

I received payments to my account from my insurance company, I spread my money into my different accounts, someone stole my debit card, I disputed the chargers and they were in my favor from the letter I received but the bank closed my account anyway and refused to return the rest of the money that was in my accounts even after I informed them where the money came from and stepped in to many branches and sent in lots of information still havent received my funds
Product: Checking or savings account

They said I was denied bc they wanted my ssn and I told them no I don't have to use my ssn to open up a private trust account they said they can't so it without so thus tells me they want to use my private information to so what they wanted they have copies of my trust ein number and I don't want them using it to make money
Product: Debt collection

They have been calling almost constantly every day, especially at work. They are looking for a XXXX, who may be my brother, and assuming he lives with me. I told them to stop calling my number and I would report them. They show up on call waiting as Midland Credit, and have been using different numbers.
Product: Credit reporting or other personal consumer reports

I am refilling this complaint to PORSCHE FINANCIAL SRVC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting or other personal consumer reports

Several FDCPA have occurred between this company and their assignee over the last 3 months : XXXX. Consent and permission was never given to contact and communicate with any third party regarding this debt and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX violated this by making contact and discussing this matter with family members. 

XXXX. A debt collector must provide a written notice within XXXX days after its initial communication ( or in the initial communication ) including : a ) the amount of the debt, b ) the name of the creditor to whom the debt is owed, c ) a statement that unless you, within 30 days after receipt of the notice, dispute the validity of the debt, or any portion thereof, the debt collector will assume the debt is valid- the date on the notice was XX/XX/XXXX, both companies received a dispute on XXXX and XXXX via signature confirmation and certified mail respectively. 
d ) a statement that if you notify the debt collector in writing within the XXXX period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against you and a copy of such verification or judgment will be mailed to you - despite the dispute being received by both companies on XXXX and XXXX, there was never any response provided and or mailed. 
XXXX ) and a statement that, upon your written request within the XXXX period, the debt collector will provide you with the name and address of the original creditor, if different from the current creditor. 

XXXX. If you make a request in writing, the collection agency must stop communicating with you, other than to let you know that its ending communication, or it may ( or will ) sue you or use another legal remedy to collect the debt. XXXX XXXX XXXX XXXX XXXX never responded to the request and additionally without prior warning in their initial communication and subsequently, filed suit on XX/XX/XXXX. 

XXXX. In doing this, they have falsely represented the character, amount, or legal status of a disputed debt which considered harassing conduct under the FDCPA. 

XXXX. Lastly, in more harassing conduct, they are still attempting to collecting fees or charges the collector is not entitled to collect under the agreement creating the disputed debt. In their suit complaint, XXXX XXXX XXXX XXXX has included numerous fees, court costs and interest yet contradictorily provided a statement clearly detailing the terms of the payment agreement due on XX/XX/XXXX that was broken by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Additionally, on XX/XX/XXXX, XXXX XXXX XXXX XXXX further acknowledges the validity of this agreement in their response to a prior CFPB complaint stating that they " have forwarding your concerns to our client as we believe XXXX  will be better suited to handle this matter ''. Despite this, as of today XX/XX/XXXX, their suit remains open.
Product: Credit card or prepaid card

XX/XX/2022 - online purchase which I never received and card was charged. 
XX/XX/XXXX - emailed XXXX XXXX XXXX  I did not get my order. Case # XXXX was assigned. 
XXXX XXXX - follow up email, I'm being charged and I don't have merchandise. Case # XXXX was assigned. 
No one responded to these cases so every month I called. 
XXXX XXXX processes their account but they always told me they could not assist me I had to contact XXXX XXXX XXXX directly. They never answer the phones. 
I was contacted 2-3 times a week for payment and each time I'd ask them were notes on my account for my disputes. 
XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX that went unanswered. 
XX/XX/XXXX, I filed a compliant with the XXXX, case # XXXX. 
XX/XX/XXXX, the XXXX closed the case due to no response from XXXX XXXX XXXX 
XX/XX/XXXX, I filed a dispute with the credit bureau because this is showing as past due with late fees on my credit file. 
I have spent over XXXX with XXXX XXXX XXXX and paid on time, why would I dispute {$85.00} and, why won't they address my dispute?
Product: Debt collection

On XX/XX/XXXX I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that LVNV Funding LLC properly investigated this account because there are obvious inaccuracies. 

First off the account is reporting a monthly payment on a charge-off account. Now it is to my knowledge that a charged-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it makes it looks like I made payment arrangements with the creditor which is not the case The account has been re-aged by XXXX. XXXX is reporting the date of last activity as XX/XX/XXXX while XXXX has reported XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. This is a clear 6-year difference and once again it is LVNV Funding LLC 's job to make sure this information is correct by conducting a proper investigation. 

Since you have not reported the date of the last payment it messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported LVNV Funding LLC has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too
Product: Checking or savings account

I have an XXXX Checking account with 5/3 Bank. This account does not allow overdrafts, nor will it charge overdraft fees. On XX/XX/2018, 5/3 Bank allowed 2 different companies to debit my account totaling {$1400.00}, when there were no funds in the account at all. To top it off, I have nothing to do with either company that charged me, and the transactions are fraudulant. 5/3 Bank PAID all 3 transactions, even though there isn't overdraft coverage, and they game me a hard time filing a dispute with them to get my funds back. 

I requested that they give me my funds back and file a dispute, and they gave me a hard time. I am having to travel due to a family illness and needing to take care of a family member over 800 miles away and can not until I get my funds back. It is possible that I not get to see this family member before they pass as 5/3 Bank has refused to expedite me getting a " provisional credit '' back for those funds, and advised me they can not give me a timeframe for if and/or when I will see my money again. I contacted the Office of the President, who then advised me it could still take DAYS to get my money back and that they can not control how slow/fast other departments work. 

No one at 5/3 Bank can advise me why they PAID transactions without funds being present in the account, especially since there isn't overdraft protection on my account. Even if I wanted to add that coverage, I can not as the specific account I have DOES NOT ALLOW OVERDRAFT COVERAGE. They LITERALLY gave my money away when they weren't supposed to and threw a fit with me when I wanted to dispute the transactions. Now, I may never get to see my family member alive again because they did this.