23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good afternoon! 


SUBJECT : FOLLOW UP COMPLAINT # XXXX BANCO POPULAR OF PUERTO RICO DEPARTMENT OF CREDIT CARDS VISA ICON, ACCOUNT # XXXX XXXX XXXX XXXX As I informed you in the complaint mentioned above, I called Banco Popular Dept .  Credit Cards for the first time on Tuesday, XX/XX/XXXX due to that I couldn't access my account through the computer since XXXX. On that day I spoke with Mr. XXXX XXXX, credit cards supervisor, ( telephone number XXXX XXXX XXXX XXXX ext. XXXX ) and he informed me that he didn't know the reason why I couldn't access my account. He also informed me that the card had be frozen due to a charge made by XXXX XXXX on Wednesday, XX/XX/XXXX in the amount of {$680.00}. I explained to Mr. XXXX that I did not recognize the company nor the amount and that I was objecting the charge ( complaint # XXXX ) because I couldn't access my account through the Internet or through the customer service department. 

I searched on the internet the regulation the FDIC implements in regards to responding a complaint and their regulation states that the banks have 60 days to respond. I have tried to establish an effective communication through two complaints, speaking to XXXX XXXX in the collection department and, with customer service through phone calls to solve this issue with no results. ( SEE ATTACHED DOCUMENTS ) I also have tried to get in contact with the XXXX XXXX  but there is no such company and Banco Popular already knew that. 

It has been 160 days since the first claim and I have not received any type of notification to eliminate said charge and correct the Credit Score. This is adversely affecting my credit score and my image because on Monday, XX/XX/XXXX I went to an Auto Dealership to buy a car and I couldn't because I was informed that I had a Fraud Alert and a delay in payment on a Credit Card that affected significantly my Credit Score. Obviously, I could not get the car.
Product: Mortgage

On XXXX, XXXX I applied for an FHA Mortgage with Top Flite Financial. I asked that I get a loan for a refinance and explained my challenges. I explained I need enough to pay-off all my debt, the mortgage and {$3000.00} to pay-off my ex-wife. I was told the loan should close no later than XXXX. I was also told verbally that there would be 2 pts involved due to my credit score. I agreed and said the most important part was that ALL mie and my ex-wife 's debts be paid and the fees be reasonable. I asked if my old appraisal could be used since they had just done it in XXXX, originally i was told probably not but they'd pay for it. I came out of pocket {$530.00} but finally the Loan Officer relented and said i get a credit in escrow which did occur. 

as of XX/XX/XXXX I had still not received an estimated closing statement, something that I should have received within 72 hrs of applying. I demanded they send it and when I received it there was 4 pts being charged, double the amount I was quoted. When I approached the Loan officer and said I would not pay 4 points he said it's just an high estimate it will be closer to the 2pts. The market was way better. 

Finally on XX/XX/XXXX i received and FHA eligible approval and the same conditions I supplied 2 months previous were being asked about and updates needed. I was not happy but I gave them everything they needed. 

on XX/XX/XXXX I asked to go over additional conditions with my loan officer, he did not respond but instead sent an email told me that these are fairly simple conditions and I should have no problems. 

On XXXX a very nice processor sent me an email and immediately went to work solving the problems with the loan and getting it all straightened out. My original loan officer was taken off the file and a new one assigned. He seemed empathetic but he did little to reduce the fees to what I was quoted and instead try to explain it away. I asked to see his rate sheet so i could confirm that 3.4 pts need to be charged and he would not disclose that to me. 

My loan docs FINALLY made it to title on XX/XX/XXXX, a full 115 days after I applied, since I was going through a divorce I had to settle with the 3.499 pts they were charging on a $ XXXX loan amount, leaving me with just enough to pay my wife and a few debts unpaid. Additionally the debt collector whom I had negotiated better pay off would not honor those payoffs as the tiltle company and loan officer did not ask me but instead went straight to the collectors who then refused to negotiate anything. 

If Topflite should be your lender I would recommend shopping for a better one. 

On XX/XX/XXXX I reached on to XXXX XXXX the loan manager, he never responded. 
OnXXXX I reached out to XXXX XXXX, owner and COO of Topflite Fiancial, she never responded XXXX, I reached on to XXXX XXXX, co-owner and CEO pf Top Flite Financial, he never responded If the people at the top don't respond, you can be sure that your complaints fall on deaf ears
Product: Debt collection

Radius Global solutions LLC has been harassing me about a debt that I have no knowledge of please have them to remove this off of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit reporting agencies, XXXX XXXX and Equifax are showing 2 mortgages fro me when we only have one. We refinanced in XXXX, XXXX XXXX XXXX was the first mortgage holder but them immediately transferred it to XXXX XXXX. The balance was approximately {$310000.00}. So the agencies are reporting 2 mortgages which though we are rated Exceptional still on credit worthiness, i has knocked my score down based on comments on their websites. I mean why to these companies get to charge for incorrect information. We would be better off with 1 that actually was corrrect 95 % of the time.The information is currently incorrect on each reporting service.
Product: Credit card or prepaid card

My husband and I opened up a Wells Fargo credit card account. we wanted to see how much credit we can get in order to get 0 % interest on a balance transfer from my husbands high interest XXXX  credit card ( card is only in his name ). When we got approved, we were notified that the amount we are approved was {$4000.00}. We decided not to go through with the card. ( no information was given regarding my husbands XXXX credit card. On XX/XX/2019, We were checking our accounts and realized that there was a payment of {$3600.00} made on my husbands XXXX card. We called XXXX and asked if they can tell who made the payment on the account because we didn't make any payments. They were not able to tell, they ended up reversing the payment. As soon the payment was reversed, we noticed a payment of {$3600.00} made on my XXXX credit card that is only in my name. I called XXXX again and they were able to find out who made the payment. I was informed that Wells Fargo did a balance transfer to their credit card without my authorization. Not sure how they were able to get both of our credit card numbers.XXXX is refusing to reverse the payment and Wells Fargo is not requesting to have the payment withdrawn.
Product: Debt collection

Credit report check revealed {$1000.00} owed to Debt Recovery SolutionsCalled DRS and was told it was for an old XXXX Account. 
Called XXXX, they have no record of me owing any money. I still have XXXX to this day with a XXXX balance ( home services ).
Product: Vehicle loan or lease

I recently had a car stolen from me via Theft-By-Deception. I was selling a XXXX XXXXXXXXXXXX XXXX and was contacted by someone saying they would send me the money for it. Knowing I wouldn't proceed without proof of money, we proceeded on a call with my bank ( VyStar Credit Union ) and I was told he was transferring money, and it would be in my account in the morning. The next morning the full {$49000.00} was in my account as AVAILABLE BALANCE. I was still weary, so I went to the bank branch and was told the money was " As good as cash '' and " No chance it could fall back on me ''. I was then informed that the bank automatically put the money toward the loan, and that it was paid off and the account closed so they could start the title process. I later received a letter from the bank stating that the loan was paid in FULL and they released their lien on the title. A few days later, the funds reversed, and i was negative the full amount in my account. After contacting VyStar i was told that the External Transfer that was stated on my account was actually a Check-By-Phone, that had NO hold on it, and immediately went into my account without being described as " Bank Funds '', and paid towards my loan by the bank. VyStar then re-instated the loan after a week and was immediately sent to collections as i was late because there was no loan account at that time. I am now out a XXXX XXXXXXXX XXXX and {$49000.00}. I have filed police reports, reported it stolen, attempted to file a claim through insurance, and pleaded with all involved parties to help me in some way. All parties involved don't care about the situation, place me at fault, and refuse to cover any amount of funds I've lost. 
Even though VyStar admitted they can't see if funds are checks or not, and admitted it is IMPOSSIBLE to verify checks with them, and insurance is claiming the vehicle is " Legally Sold '', therefore it can not be covered even though police confirmed all information from the buyer is false, and the vehicle is still registered in GA in my name. I am looking to go after the bank for denying the claim, and refusing to follow their policy. 

In the Attached police report there are some errors.

1. The title was never signed, for the bank still had it at the time of the theft.

2. I did NOT transfer the money received toward the loan account, VyStar credit union did the transfer of the money.
Product: Money transfer, virtual currency, or money service

This is the mail I sent where everything is explained : To Whom It May Concern, I am writing in response to your email dated XXXX XXXX XXXX  from Coinbase Support [ XXXX XXXX XXXX  ] regarding case number XXXX, in which my eligibility for reimbursement was denied. 

On XXXX XXXX XXXX, I had a recorded call with Coinbase Support ( XXXX XXXX ) lasting over XXXX hours, beginning at XXXXXXXX XXXX XXXX During this call, Coinbase representatives confirmed that I fully met the requirements for reimbursement of the {$8000.00} lost due to unauthorized transactions. We extensively reviewed the details of my case, and it was affirmed that I was eligible for reimbursement under Coinbase 's policies, including the coverage provided by Coinbase One subscription. Additionally, I have an email confirmation from Coinbase regarding account protection, further supporting my eligibility for reimbursement. 

In your email, you mentioned that customers are responsible for the security of their devices and passwords. However, I was the victim of an assault and drugging, leaving me incapacitated. As a result, there were no reasonable measures I could have taken to prevent this situation. I conveyed these circumstances during our call, and you confirmed that this information made me eligible for reimbursement. The police are actively investigating this incident, and the complaint number is XXXX. Attached is an email from the investigating detective for your reference. 

XXXX website highlights its commitment to safeguarding accounts through robust security measures, including two-factor authentication ( 2FA ), strong password requirements, cold storage for XXXX assets, Know Your Customer ( KYC ) and Anti-Money Laundering ( AML ) XXXX, blockchain fraud monitoring, and systems to flag suspicious transactions. Despite these measures, over XXXX unauthorized transactions occurred on my account within just a few hourssignificantly out of line with my usual activity, which involved only XXXX transactions throughout the entire year. 

Other platforms I use, such as XXXX, XXXX, XXXX, and various credit card applications, have demonstrated their ability to promptly detect and secure accounts during fraudulent activity. Unfortunately, Coinbase 's system did not act with similar vigilance in this instance. 

Given the assurances I received during the call and the circumstances outlined above, I respectfully request reimbursement of the {$8000.00} lost from my account as of XX/XX/year>. 

If additional clarification or documentation is needed, please do not hesitate to contact me at XXXX. 

Thank you for your attention and prompt action on this matter. 

Best regards, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious issue with my credit report that I have been unable to resolve despite multiple attempts. My credit report contains an incorrect name and address, and there are accounts listed under this incorrect information that do not belong to me. I have only one correct name and one correct address, which I have provided above.

1. Violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 The inclusion of incorrect name and address information on my credit report violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete information. Under the FCRA, I have the right to dispute inaccurate information, and the credit reporting agencies are required to investigate and correct these errors within 30 days.

2. Violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - Address Discrepancy Rules The incorrect information on my credit report also implicates the Fair and Accurate Credit Transactions Act ( FACTA ). The Act requires that any substantial discrepancies in address information be addressed and resolved by the credit reporting agencies. Failure to comply with these provisions can result in significant harm to consumers.

3. Potential Financial Compensation for Violations Under the FCRA, if the credit reporting agencies fail to correct these errors or continue to report inaccurate information, I may be entitled to monetary compensation. Specifically : Actual Damages : I may recover actual damages incurred as a result of the errors, such as increased interest rates, denied credit, or other financial losses.

Statutory Damages : In cases of willful non-compliance, I may be entitled to statutory damages ranging from {$100.00} to {$1000.00} per violation.

Punitive Damages : In cases of willful or reckless violations, the court may award punitive damages.

Attorneys Fees and Costs : The FCRA also allows for the recovery of attorneys fees and court costs if legal action becomes necessary.

4. Request for Deletion of Incorrect Accounts As a result of these violations, there are accounts associated with the incorrect name and address that do not belong to me. I am formally requesting that all accounts linked to the incorrect name and address be deleted from my credit report.

5. Previous Attempts to Resolve I have reached out to the credit reporting agenciesXXXX, XXXX, and XXXXransUnionon multiple occasions to address these errors. Unfortunately, I have not received any responses or confirmation that these issues have been addressed. The lack of response is not only frustrating but also constitutes further non-compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card or prepaid card

There are several issues. First ) Kohl 's routinely does not honor 12 CFR Subpart B 1026.5 ( b ) ( 2 ) ( ii ) *The card issuer does not treat as late for any purpose a required minimum periodic payment received by the card issuer within 21 days after mailing OR DELIVERY of the periodic statement disclosing the due date for that payment. * Kohl 's routinely waits until exactly 21 days before a payment is due before mailing. It takes a few days to mail before the recipient receives it. So while 21 days is the minimum they must offer for payment, it discounts the 21 days after delivery. So while 21 days after clearly falls within the mailing portion, it conveniently ignores the delivery aspect. Second ) I 'm not convinced Kohl 's is honoring the requirement to mail 21 days prior to it being due. Third ) I 'm not convinced Kohl 's is accurately accounting for the day they received payments. I believe they are holding payments an extra 24-48 hours before recognizing receipt in order to trigger more late fees. Fourth ) Kohl 's received payment within 21 days after delivery, which was delivered on XX/XX/XXXX. Kohl  's claims they received the payment on XX/XX/XXXX.
In the past I have had to discuss with customer service of Kohl 's in order to get the charges removed. At this point I have decided to forgo this method and instead contact you, the consumer financial protection bureau, as I believe they are intentionally adjusting timelines by a day here or there in order to illegally capture more fees with their store credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$170.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$300.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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 XXXX personal information Former XXXX XXXX XXXX XXXX Former XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

My mortgage is with XXXX. In XXXX, I requested return of my escrow, as XXXX did not pay my real estate taxes. I notified XXXX that I would no longer make escrow payments, as I have paid the real estate taxes and insurance on my own. 

XXXX will not return my escrow and have transferred money paid for principle and interest to other things. The result is an escrow account with no activity and money held in suspense. 

I submitted to Experian copies of my cleared checks which match to my scenario but not to what XXXX has reported. They do not accept my documentation. 

In addition, the phone number provided by Experian for XXXX is incorrect. This is a scam. I can mail the information, but I am not capable of uploading the documents
Product: Credit reporting, credit repair services, or other personal consumer reports

There are derogatory remarks and inquiries I have had removed by XXXX but Equifax refuses to delete them. They previously stated they dont have a file for me. This is blatantly a lie. I have proof of disputes and all 12 derogatory remarks and a few inquires Ive tried to remove. They failed to show proof of these accounts and inquiries are mine. They also asked for me to send a copy of my social and ID/DL, tax documents to even dispute or remove items which violates my consumer privacy rights.
Product: Credit card

Review the attached documents ; I request the bureau to initiate an investigation into these accounts. Despite my punctual payments, they are reporting me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX have a late payment showing with XXXX Bank. I have never missed a payment with them & even after sending in proof repeatedly that it was paid on time still no fix & this violates the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I had Hard inquires on my credit that I did not authorize and the companies can not show or prove where I gave them permission to run my credit I have talked with all credit bureaus and they all say they can not and will not help or do anythingI am attaching a list of companys that hit my credit some even hit twice in 1 dayI am looking for the prove where I gave them permission to run my credit report
Product: Credit card

In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act CKS PRIME INVESTMENTS , LLC # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER GAVE ANY CONSUMR REPORTING AGENCY OR ANYONE WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT OR USE MY CREDIT INFORMATION WHICH VIOLATES MY RIGHTS AS FEDERAL PROTECED CONSUMER. NO CONSENT IS IDENTITY THEFT UNDER, 15 U.S CODE 1681B. 

EQUIFAX XXXX XXXX
Product: Credit card or prepaid card

Customer service at BP agreed to remove excessive late fees contingent upon resolving the actual usage amount {$330.00} less alleged late fees on XX/XX/2022. BP continues to bill late fees ( XX/XX/2022 ) for late fees not actual usage of the card after XXXX XXXX XXXX XXXX 's account was paid as agreed less alleged late fees. As of XX/XX/2022 there is a balance of {$150.00} ( {$75.00} Late fee x 2 ) for a bill that has been resolved. Spoke to BP representative  XXXX XXXX and he assured via email that the matter would be resolved, resolution did not happen. BP is gouging diesel fuel clients in the most trying of times for logistics companies. Please assist with this matter, Thank You.