23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/year>, I was hospitalized with a major illness, which caused me to fall behind on my mortgage payments. I made attempts to catch up, but despite reaching out to the mortgage servicer multiple times, they never returned my calls. While I was still in the hospital receiving treatment and therapy, they allowed a vendor to forcibly enter my home by breaking down the door and changing the locks without notifying me. I have made payments and I am not that far behind. 

My personal belongings, including my car, were still inside the home. Several of my items were stolen, and my car was damaged when the intruders attempted to break into it and start it. They went through my personal drawers, tried various keys, and eventually damaged my car door. They also stole the battery from my vehicle and a drill from my garage. Additionally, they broke my patio door, causing further damage to my property. 

No one from the mortgage company , the servicer, or the XXXX XXXX XXXX ever contacted me during this time. When I returned home from the hospital, I discovered the damage and theft, yet there had been no phone calls, notifications, or any communication from any party involved. 

I am XXXX XXXX XXXX, living alone, and this situation has been extremely unfair. They are refusing to negotiate with me despite my request for a hardship accommodation, and it feels like they are attempting to take advantage of me as a senior citizen by trying to take my property. This treatment is unjust, and I am seeking a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE DISPUTED THIS FRAUDULENT ACCOUNT LISTED BELOW THE COMPANIES INVOLVED ARE IM VIOLATION OF THE " FAIR CARES ACT " LAW THEY TOOK MORE THAN 4 MONTHS TO RESPOND XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$810.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO PAYMENT HISTORY LEGEND Status Account charged off. {$810.00} written off. {$810.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$810.00} Highest balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Equifax is in violation, late payments are illegal according to 15 USC 1681a 2 ( A ) ( I ) under exclusions. I sent a letter to them which is attached to have the late payment status changed on XXXX to paid as agreed and yet they continue to violate the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS must remove any items no later than 4 business days after receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX  XXXXBalance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$2700.00} ; XXXXXXXX XXXX XXXX XX/XX/2023.
Product: Bank account or service

I am writing to you at this time because I do not know where to turn with this problem. I have been going back and forth with Netspend, which is affiliated with XXXX, since XXXX XXXX, 2015. On XXXX XXXX, 2015 XXXX fraudulent claims were charged to my Netspend account. XXXX of the charges were made at XXXX for {$110.00} each charge. The other charge was made from XXXX shop in Florida for {$110.00}. I am a XXXX year old woman residing in XXXX, NY with neither a XXXX account nor a do I own a car. When my son noticed these charges on XXXX XXXX, 2015 he immediately contacted Netspend by telephone while all XXXX charges were pending. He was told to wait for the charges to go through and then call them back. 

From there things only got worse and much more confusing. On XXXX XXXX, 2015 Netspend said they opened a dispute claim, # XXXX. They also told me via e-mail that " we will attempt to complete the investigation within 10 business days. If we need more time we may take up to 45 calendar days to complete the investigation. If we determine more time is needed, we may issue a temporary credit so you have use of your funds during the investigation. '' Of course they never gave me the credit because they claimed I did not send them my signature, which was never requested by them. They also claimed I did not contact them in a certain amount of time. They were contacted within one day of the transactions. 

It is impossible to speak to a person in the " fraud '' department because my son was told by the phone representatives that the fraud department does not speak to customers on the phone. He was also unable to get a last name or direct phone number from any of the representatives he spoke to on the telephone. In the meantime they decided on XXXX XXXX, 2015 to deny my claim. The reason they gave for this decision was that they did not receive my signature. I wrote back to them expressing my dissatisfaction with the outcome of their so-called " investigation '' into this matter. I explained that I am a XXXX year old widow on a very low fixed income and need this money back. In fact, my XXXX payment was turned down because of insufficient funds and I was changed a {$12.00} late fee when this happened. This does not include all the {$1.00} fees that Netspend has been charging me for each fraudulent transaction. 

Consequently, they agreed to reopen my claim. This time I sent them a certified letter with the disputed charges and with my signature. Now I am being told it will take another 45 calendar days for their decision. As I explained earlier, this is causing me a big financial problem because of my very low fixed income. It is also causing me much stress as I worry about how I am going to make up for this {$330.00} that has been stolen from my account. 

. Their phone number is XXXX. This is a prepaid XXXX debit card account which I needed so my social security and pension checks could be deposited into since I do not have a checking account. Their address is Netspend Dispute Resolution Department ; XXXX. XXXX XXXX ; XXXX, TX. XXXX. 

I would greatly appreciate any help you can give me in this matter. I
Product: Debt collection

Equifax is reporting that I have XXXX credit card debt, which I do not these accounts are not mine but my twin sister, I have filed this complaint many times and they still keep reporting my sister debt on my credit report. My name is XXXX XXXX XXXX her name is XXXX XXXX XXXX. The XXXX credit card accounts XXXX XXXX, and XXXX XXXX XXXX I do not have accounts with these lenders. When I called the lenders that stated they have the accounts under XXXX name not mine and that the credit bureaus keep mixing us up. Please see the attached credit report. I do not go by any different names on XXXX XXXX or XXXX XXXX XXXX. I also tried every year I have to send my license and birth certificate only to resend it again in a couple of months because they keep getting the data wrong and reporting the insufficient debt. Also, the addresses they have are not correctly associated with my identity. Please see the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with Experian and received response the account was verified. Experian has also refused to reinvestigate my account unless I provide new supporting documentation. I do not have any documentation because the account is inaccurate. I have reached out to the third party source XXXX and the agent states they use a third party verification via XXXX. I have also spoke with the courts who do not have any account information and states they do not verify information via credit bureaus or anyone for that matter. I am going to have my attorney have them sign a document stating that the account is not mine and that they did not verify this information with any of the credit bureaus. I am requesting documents bearing my signature showing that I have legally binding contractual obligation to this account and the method of verification. Any automated or XXXX verification is unacceptable. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report. CC : XXXX, XXXX & XXXX
Product: Debt collection

On XX/XX/XXXX I had realized that L.J Ross Associate 's had put a collection on my account from XXXX XXXX. I had contacted them stating I had never gotten a statement from them that I owed them the funds. Also asking why was this now on my credit report when this bill was owed from XXXX. I had asked for a statement or something to prove that I owed them the funds in question. The women on the other end stated " she could not give me those records '' .So I ended the phone call and decided to contact XXXX directly. The credit agency that XXXX XXXX gave me was not L.J Ross. I believe they are trying to charge me the amount without actually owning the debt.
Product: Debt collection

Pacific retrieval is trying to collect a debt that I do not owe. I sold a car to XXXX XXXX, the buyer. XXXX had crashed the night he bought the car. 

He promised he had insurance and that was a lie. I was asked to send an email so that he may register but didn't follow through with registering it. He didn't register the car nor pulled the car out of tow yard - as promised. 

Even though I properly filed Release Of Liability with the DMV I am being charged for the tow fees. I have the DMV form, text messages, emails and XXXX transfer to prove the car was sold the night before ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

eight different chargess that does not belong to me.
Product: Credit card or prepaid card

Santander Bank denied my application for a credit card and so notified me today XXXX XXXX! 

The decision was NOT make by a human being! 
Re : Santander Bank " Application Reference Number : XXXX '' It was made by a computer! 

No consideration at all was given to I am! It was all done, as I say, but a computer. No human involvement at all. 

We live in the USA, not in the XXXX! 

In the USA people govern, not computers! 

Santander has violated my legal rights under the various age discrimination laws both on the Federal and state level ( New Jersey ). 

I am told by Santander Bank to file an appeal with something called " XXXX '' about which I know nothing and which is apparently allied with Santander Bank. 

The aforementioned notice was signed by a " XXXX XXXX XXXX " XXXX, Head of the Customer Service Center Operations '', whatever that is. Sounds similar to something one would have found in some totalitarian country, not in our beloved and blessed USA! 

This XXXX XXXX knows not a thing about me at all. He did not even sign the notice which was made by a computer somewhere in his office or in Santander Bank. 

What kind of justice is this? 

What kind of bank is this? 

Decisions made by a computer, not by a human being! 

Therefore, the decision was arbitrary and capricious and violative of my rights as a United States citizen! 

XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX ( ret ) pro se PS : There is no point in my continuing to have an account with the Santander Bank given its brutal and cruel treatment of me as some data point in some computer! This is not how things are done or supposed to be done in the good old USA! This is how they do things in XXXX and Communist XXXX and in XXXX and in XXXX XXXX and did things in the XXXX and in XXXX XXXX and XXXX XXXX!
Product: Credit card

Over three years ago, I lost a job that payed approximately {$86000.00}. Unable to find another position in that field, I have started a XXXX career. Building a business takes some time and without an adequate income, some credit card payments could not be made. XXXX the accounts that I have are with Chase Bank. On XXXX account, they sent a letter, informing me that they were preparing to write off the account as a bad debt. Keep in mind that I have had these accounts for decades. However, on the other account, no letter was sent and they did write off the account as a bad debt. I called on XXXX XXXX and a lady checked their records and confirmed that no letter had been sent pursuant to that account. I told her that I intended to contact this agency, in regard to this despicable business practice. She ask me to give her a few days to see if this could be resolved. She informed me that she would call me back on XXXX XXXX. It is no XXXX XXXX and I have received no call. 
I called today and spoke to XXXX people. The XXXX person I spoke to, XXXX, said that the aforementioned person did process a request to bring back the account. He said that, according to what he saw on his computer, the request was denied because Chase Bank deemed it to be " no bank error. '' He also informed me that they are not legally obligated to send a notification that they are going to write off the debt. If so, the law is bad. I believe this is the type of unethical business practice from which your agency was designed to protect consumers. Hopefully, I am correct. The grand irony in this is that, as my business grows and matures, it is my full intention to pay off all of my outstanding debts, but Chase would rather write it off as a bad debt now instead of waiting for their repayment in full.
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender is alleging they gave notice of additional documents client has complied and sent full package on XXXX/XXXX/XXXX and supplied any additional docs requested
Product: Debt collection

XXXX with Transworld Systems Inc. called and left message regarding a debt they feel belongs to someone with a name similar to mine. I returned XXXX 's call and spoke with XXXX. XXXX never voluntarily disclosed that we were speaking on a recorded line. I had to ask twice before she told me that call was recorded. I provided XXXX the file number and she wanted me to self identify with personal data. I demanded Transworld Systems Inc . Cease and Desist with emphasis that we were speaking on their recorded line. She was not willing to honor my demand because I refused to self identify in order to verify my personal information, proving I was the person in question. I asked her to tell me what information she had and I would verify hers. XXXX refused to cooperate. I demanded that she contact me in writing.. As I felt completely suspicious of potential fraud. I asked her to mail me documents which her organization has that created said debt. XXXX told be that was not possible because they could not verify my identity. I am not aware of the matter in question. I need a signed promissory note with my signature to prove they have legal standing to contact me regarding this matter. In addition, I filled Bankruptcy, therefore Transworld Systems Inc. needs to contact my attorney. XXXX, Attorney at Law in XXXX, CA. to discuss this matter. Again, this matter causes me great anxiety being that the representatives of Transworld Systems XXXX Inc. are called me randomly without concrete proof they 're calling the debtor of interest. 
has called me out of the blue despite a bankruptcy, and they have an expectation for me to provide them with personal information that puts my identity in unknown hands. They 've contacted me on a recorded line without revealing the call was being recorded ( proof of this lack of disclosure available upon request. ). 
collector has grossly violated my rights under the Fair Debt Collections Act. I do not know why this entity has contacted me. I do not have any business with them. They do not have permission to contact me. This was an unwelcomed/unsolicited call.
Product: Credit card

I had a Brooks Brothers credit card through XXXX account # XXXX. In 2016 Brooks Brothers changed banks to Citibank. Citibank then changed my account number to XXXX without my knowledge. I continues making payments under the old account number to XXXX. XXXX forward my payment to Citibank. but Citibank has refused to give me credit for the payments made. I have provided Citibank with multiply proof of payments but Citibank claims that the documentation is not adequate. The documentation provide came directly from XXXX with photo copies of the front and back of the cancelled check which was endorsed by Citibank. Citibank appears to be incompetent and continue to harass me threatening to make false reports to credit agencies in a effort to force me to double play. Please help
Product: Credit card or prepaid card

I was approved for an Old Navy Credit card in XX/XX/XXXX. I did not receive my card in the mail until 4 months later. I have not made one purchase with the card. I have several credit cards with department stores that use the same bank and Im in excellent standing with those accounts. Have never been late on any account. They closed my account this month, XX/XX/2020, and stated that its due to my credit. This makes absolutely no sense. They couldnt help or give me direct answer when I called and said its their choice. Thats fine and I understand that, but thats terrible business. It dropped my credit score down 8 points. Shame on them. I believe they closed it due to lack of use. I could care less about losing the store card, Im XXXX about my credit score. I have also been reading other reviews from other consumers that are saying the same thing about Old Navy and their credit card. Please reference Consumer affairs website.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX - closed account XX/XX/XXXX XXXX - open account original balance - {$7200.00} past due {$9200.00} - date open XXXX status update XXXX XXXX balance updated XXXX - XX/XX/XXXX the account was removed then added without proper notice of within 5 days of a reinsertion letter according to FDCPA and my credit account reported it 100 % paid off and on time Equifax - original balance - {$7200.00} past due {$9200.00} - date open XXXX status update XXXX XXXX balance updated XXXX Reporting illegal transaction history. 

XXXX & XXXX are saying they validated my consumer report with creditor when FDCPA 15 usc 1681 ( A ) 2 ( E ) - investigative consumer report must be obtained through neighbors ALL of these are also violations of The Privacy Act of 1974
Product: Checking or savings account

The bank will charge me overdraft fees for a dollar did they pay they were not corrected
Product: Debt collection

This person whom Id thought was going to help me, helped herself instead. It hasnt been easy tracking her down but at least I know her name. She moved in the apartment XX/XX/2021. How?? IDK she mustve had gotten evicted and left a very huge bill. The bill was {$3400.00}. Amazing isnt it. Now Im left with debt collection and I know crying wont fix anything. So Im trying
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT.
Product: Checking or savings account

On several occasions my Wells Fargo account will have a balance that can cover a transaction. Often times what happens is the transaction doesn't " post '' until my funds are low and then I end up going negative and incur an overdraft fee. At XXXX point I was negative {$200.00} even though I had deposited funds to cover the negative amount. They waited to " post '' funds until more transactions had posted causing me to be even more negative and again incurring another overdraft fee. I'm attaching my XXXX bank statement which shows overdraft fees paid to date of {$550.00}, in XXXX and XX/XX/2022 I was charged {$140.00} in overdraft fees each month!
Product: Debt collection

Upon reviewing my consumer report I noticed Collins Asset Group was reporting a duplicate account from another lender ( XXXX XXXX ). Its a violation for two companies to try to collect on the same account. I never had an account with Collins group or never given anyone permission to sell or buy my personal information which is considered identity theft fraud. I previously requested the original purchase agreement to validate the alleged debt and to see if any and all of the information is accurate. I have not received the verification at all.
Product: Credit card

Received emails from Synchrony Bank about me calling in for replacement cards which I did not. That started the process with having new cards sent to me over a month ago. So far I have receiving one of 4 cards ( Different Compaines ). Today I checked one of my accounts and i find where there are charges which I did not make. Again I requested the cards to be sent to a secure mailing address and for the 5th time I am haveing to verify who I am by sending in a copy of my DL and video of me. But now they want it all to be mailed to them.