23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a car accident where a women run me over, i used to have an attorney And he Did a deal with the hospital that I had to pay US {$4000.00} for the entire bill because the total amount was around US {$470.00}. I have the letter from XXXX and the insurance that they did paid, the accident was on XX/XX/XXXX, and I was in ther from XX/XX/2018 to XX/XX/2018 I sent the company all of this but they didnt care and submitted that anyway.
Product: Mortgage

I am the owner of a home at XXXX XXXX XXXX, XXXX XXXX, VA XXXX. On or about XXXX/XXXX/XXXX, a Veteran 's Administration loan was closed with XXXX as both the " nominee '' and the " beneficiary, '' and XXXX XXXX XXXX XXXX ( XXXX ) as the " lender. '' They appointed attorney XXXX XXXX as trustee ( in a conversation with XXXX XXXX that I had appx a year ago, she said she had no recollection of ever being a trustee ). XX/XX/XXXX, XXXX was raided and shut down by the FBI for massive fraud. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Reconstrust were all involved with the property for the next few years, and, then, around XXXX of XXXX, XXXX and XXXX changed the trustee to XXXX XXXX XXXX ( XXXX ). One problem : # XXXX of the Deed of Trust states only the LENDER can change trustees, and neither XXXX nor XXXX were the lender on the alleged loan-XXXX was, and they went out of business in XX/XX/XXXX. All subsequent appointments and actions of XXXX were therefore fraudulent. Carrington Mortgage Services took over around XX/XX/XXXX, and promptly threatened to accelerate the loan. I am the owner of record in XXXX County and sent them a debt validation letter to them upon receipt of their letter, which they never validated. Since then, they have, together with XXXX, twice tried to foreclose, each time being an FDCPA violation, not to mention violations of the Hobbs Act, codified at 18 U.S.C. 1951 ( a U.S. federal law that prohibits actual or attempted robbery or extortion affecting interstate or foreign commerce-I live in Nevada ). It also a violation of XXXX XXXX, deceptive trade practices vs an older person. In XXXX XXXX, I sent a rescission letter to Carrington, which they " rejected. '' However, since the XXXX Supreme Court decision in XXXX v XXXX in XXXX XXXX, XXXX made it clear that a rescission, right or wrong, is effective from the moment it is mailed, and that a lender/servicer must bring suit within 20 days of receipt to overturn the rescission. Carrington did not bring any suit, so they are forever barred from bringing any defenses. They have harassed my tenants and thus are threatening my income, not to mention are intentionally inflicting emotional distress upon me, as I will soon be seeing a psychiatrist. Finally, they have called me twice, with an autodialer on my cell phone in the last months, which is a TCPA violation as well as another FDCPA violation. Also, Carrington ( along with XXXX XXXX ) was fined XXXX XX/XX/XXXX for fraudulent assignments-exactly what they tried to pull here, and XXXX has no license to collect debts in Nevada, which is a requirement here. The " Release '' clause in the DOT, # XXXX, says when the Lender is paid off, the property is supposed to be reconveyed ( DOT is attached, the first XXXX pages of the " XXXX '' file ). Needless to say, several parties have been paid off ( in addition to XXXX ) and no reconveyance has occurred, more fraud. Carrington Mortgage has ignored ignored a QWR letter and a UCC-9-210, which gave them 14 days to dispute my contention that there was no loan amount due. Carrington is XXXX and deserves an even larger fine than they got last year.
Product: Mortgage

Wells Fargo will not provide a payoff on the reverse mortgage unless I am the appointed representative of the deceased. But I am the brother of the deceased and can not afford the cost of becoming the representative when my POS brother had no assists. the deed to the home is already in my name as right to survivorship. The reversed mortgage was taken out in secrete and before my half ownership was added to the property. Wells Fargos  are  XXXX . Why are they discriminative? Who the  XXXX  gives a  XXXX  who pays off their  XXXX  loans. The POS deceased is dead already. As long as the note is paid that reverse mortgage should be closed!!! The amount of  XXXX  is acceptable as of the last statement  XXXX   XXXX ,   XXXX  .     There is no law indicating that I have to become the personal representative of my brother when he had no assists. It is idiotic and selfish o f Wells Fargo to   impose such requirements to pay off a note absolutely ludicrous they care about  no one but themselves. Wells Fargo is  a piece of  XXXX  financial institution that i hope goes to  XXXX .
Product: Checking or savings account

This complaint is in regards to overdraft fees associated with an RBS Citizens Bank checking account. I have already tried coming to a resolution directly with RBS Citizens Bank, but was unable to resolve the issue.

I have previously confirmed directly with RBS Citizens Bank phone representatives and multiple bank tellers that RBS Citizens Bank 's checking account overdraft policy is that if any account becomes overdrawn on a business day, as long as the account holder makes a deposit or transfer into the overdrawn account by/or before XXXX EST on the day the account became overdrawn, an overdraft fee would not be charged. 

After reviewing my account statements, there are a total of 12 overdraft fees, at {$35.00} each, that RBS Citizens Bank has assessed to this checking account.

All 12 of these fees were charged on transactions that overdrew the checking account, but the account balance was brought into a positive balance, by a deposit being made, prior to XXXX XXXX on the day of the overdraft. 

By Citizens Bank 's overdraft policy, there should not have been {$35.00} overdraft fees assessed for these transactions. 

I have attempted numerous times to resolve this with RBS Citizens Bank  phone support representatives. Their standard reply is that they can not reverse overdraft fees. I have replied that I am not looking for a valid overdraft fee to be reversed, that the fees were not correctly assessed by RBS Citizens Bank. Unfortunately, I have been unable to resolve it directly with RBS Citizens Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 accounts and 1 inquiry on my credit report that do not belong to me I have not signed used or received any goods or services from these accounts they look foreign to me I need these off my credit report since I have been disputing these since XX/XX/XXXX I am sick and tired of filling out forms and ftc and identity theft reports for these I need help please these items are not mine in any way shape or form!!! 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRY Creditor Name : XXXX - XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Experian a certified letter along with a return receipt. In accordance to the Fair Credit Reporting Act XXXX, has violated my rights. 15 U. S. C 1681 section 602 A. States that I have the 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 card

Capital One notified me of potential fraudulent activity on my account XXXX Note it was the XXXX time in a year there was fraudulent activity ). I confirmed the activity was fraudulent and was issued a new card. I was told I would not be responsible for the charges. Then 10 days later I get my bill and the charges have not been removed. I was informed it was because the charges were still pending when the fraud claim was filed and it was my responsibility to call back. This is ridiculous for 2 reasons. 1. I was not told this on the initial call. 2. Capital One should develop a system to remove these type of charges without the customer waiting and calling back a second time. It seems like willful ignorance to not have a few fraud claims disputed. As I explained to the agent even a pen and paper would be a sufficient system to deal with these issues.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA XXXX XXXX and Innovis have violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a Credit Reporting Agency can not furnish an account without my written instruction.

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

I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. I was told these fees were waived from prior complaints and the credit reports would be updated accordingly. 90 days and counting later it is still showing. 

Also, please note that the phone team was incredibly rude and unprofessional. 
I was told that these fees were going to be waived. They were duplicate charges and late fees for equipment. I have filed many complaints with this company both before, during and now again after the ordeal that chronicles the poor phone service I received. Very long hold times, obstructing me and my business with phone reps who change their instructions and then when I point this out shout at me. They overtalk and scream racial stuff then disconnect. I spent hours on hold arguing with angry XXXX and XXXX reps who barely speak english. They give false amounts due and had no way of issuing me return equipment boxes prepaid like I was offered. They blame this on covid19 and advised me multiple instructions. At one point a supervisor in response to attorney general complaints stated they used to have a way to issue ups return equipment, and they admit advising me it could be sent return label free of charge thru ups. However this changed weeks after I moved and cancelled the service. I know it may be against their policy, but I recorded many of these calls for the judge and courts. They misinstructed me and now have no way of issuing me a box or accepting return equipment by mail. Also their collections team misbilled and misnoted my account maliciously after a fierce racially charged argument with the phone team on several occassions. I kept getting the same people and they would immediately talk over me, they even thru the account into collections prematurely. 

Pure obstruction and internal employee sabotage is to blame here. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and bbb complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for Donald Trump. This sort of behavior has since been termed " trump deraingement syndrome '' and this call center is crippled by it. 


Please remove this unlawful debt that is still showing on all my credit reports. The service had many periods of outtages and it never got remedied after my first heated phone exchange into the matter in Fall of 2019. I was told all negative reporting on both the business accounts as well as my personal credit report would be removed. XXXX, XXXX and XXXX  should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied. Thank you.
Product: Credit card or prepaid card

CITI Mobile App advertised a balance transfer offer.

Within the Citi Mobile app I accepted the offer and did a balance transfer to pay off my XXXX XXXX credit card of {$3000.00}. 

Citi bank approved the transaction on XX/XX/2023. Citi bank added the balance transfer of {$3000.00} to my Citi credit card, but my XXXX XXXX credit card still shows i owe them {$3000.00}. My balance with XXXX XXXX should be {$0.00}. 

I called Citi bank over 6 times to tell them XXXX XXXX never received the money. They have failed to help me out. Nothing on my statements show that XXXX XXXX was paid. 

This had been a frustrating process with Citi Bank and I no longer want to be a customer. I want this balance transaction reverted, since they have failed to pay XXXX XXXX. In addition, I can cancel Citi bank completely and no longer be a customer. They have been unprofessional in resolving this issue.
Product: Checking or savings account

I have two accounts at CHASE, I have been living in XXXX XXXX since 2015, and do not travel often to mainland United States. However I keep these two accounts where I have saved my money. 
As there are no branches of CHASE in XXXX XXXX the only way I have access to my accounts is through their website. However both my accounts are dormant and I can not access my accounts, but even worse, now, when I access their website it tells me that I do not hold accounts at CHASE, which is not true. 
I have written emails, and called their service line and the customer service representative told me that my accounts are not active and that i have to fax a letter requesting the activation of both my accounts, which I did back on XX/XX/XXXX of this year. 
However both my accounts continue to be inactive. 
I had a relative that lives in XXXX XXXX, Florida, to visit one of the CHASE branches and try and deposit some money to see if that would activate the accounts, but they refused because the accounts are inactive. 
I called customer service again on XX/XX/XXXX, and they told me that the accounts are inactive and that it will take several weeks to activate. 
This is not acceptable, i need to access my funds immediately, not when the bank decides that i can. 
I have {$900.00} in my checking account and {$39000.00} in my savings account. That is almost XXXX XXXX dollars and they substract money every month for service charges.
Product: Debt collection

Im writing about the following data that appears on my credit report from MacysDSNB. This collection company is reporting a debt on my XXXX, XXXX, and XXXX report as being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating I owe this account or company. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation of my credit report and found several items on the report that were inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX  XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX  This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX This account is being reported inaccurately, please remove it from my account.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made an ACH payment of {$830.00} to my MasterCard with Bank of America. I received email confirmation of the payment on XX/XX/XXXX from Bank of America.This was for a payment due in advance of the statement due date for previous month 's entire balance. 

Subsequently, the XX/XX/XXXX payment was added back to my card balance on the statement date of approximately XX/XX/XXXX because it did not get made by BoA. I called BoA on XX/XX/XXXX and questioned why the credit card payment did not go through and if there was a problem with the routing and checking account number. I confirmed both, then their phone banker confirmed the failed payment was due to a system update Bo did that impacted ( cancelled/nullfied ) the timely payment I made and that it was due to factors that were not in my control ( i.e.BoA system update ). They then charged me a late charge on my account due to this, then did not notify me that the payment failed to be applied due to their system update issue. She then told me she would refund the late fee to my account, then I requested the same ACH payment be made with the phone banker, to which she input it to be made to my account. Their system update not only cancelled my timely payment, it resulted in an unnecessary late charge, and my account showing past due. The banker confirmed none of it was my fault. 

Number 1 ), if a customer makes a credit card payment through BoA 's automated system and due to THEIR system updates the payments get rejected, they should PROMPTLY notify the impacted customer 's that their scheduled payments did not apply to their accounts so the customer can either be aware that it was BoA 's fault their system update effectively voided their prompt phone payment or 2 ) reenter the same payment already made by customer so it's applied timely so the customer does not get charged a late fee! The phone banker told me it was not due to factors within my control and that they would reverse the late payment fee, but still this is misleading. I only noticed the ACH payment I made timely through their automated system did not go through when I reviewed my next statement and saw the late fee and previous payment applied back to my balance. This is not the customer 's fault, I made the original payment timely. 

Why does not BoA have internal controls in place to identify ACH payments in process that failed due to their system updates/upgrades so they can promptly notify the customer of the need to re-input their payment and to avoid charging them late fees on their statements? I made every good faith effort to pay it on time, the failure was on BoA 's end which is why the phone banker offered to reverse my late fee. Not to mention, the cost of my valuable time having to call BoA, wait 15 minutes to talk to a human being, then press them on why the payment they confirmed on XX/XX/XXXX via email was added back to my account statement on XX/XX/XXXX and inquire why I was charged a late fee when I made my payment timely on XX/XX/XXXX, my time is money!
Product: Credit card

My wife and I have a checking account at US Bank in XXXX California. On XX/XX/2016 XXXX separate identical amount fraudulent debit card transactions occurred at local grocery stores totaling over {$7000.00}. We have receipts showing we were out of town at the time. US Bank first informed us that we were not responsible for the charges once we filled out and retuned an affidavit. 10 days after completing the form we contacted US Bank fraud division and they said they denied our claim because a PIN number was used in the fraud. We informed them that the PIN number was not given out to anyone or is even written down. Only my wife has a debit card for the account and it was with us when we were out of town. US Bank has said they would have the investigator call us but no one has even after we called them four times. We contacted the local branch manager who said he would have the investigator call us back but still no response. We just got a denial letter today ( 30 days after fraud ) stating we were denied the fraud claim, and responsible for the entire {$7000.00} because we were part of the transactions and/or benefitted from it. No explanation or evidence was provided. We are homeowners with excellent credit and have been customers of the bank for 15 years without any previous fraud claims or even overdrafts. Now we are going to have trouble paying our mortgage and the bank wo n't even talk to us. They allowed these thefts to occur and now expect us to pay for it. This is one of the most upsetting and financially devastating things that my wife and I have ever been through. We are in the process of filing a police report but that wo n't help us get out money back.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 an unauthorized hard inquiry was placed on my credit report by JPMCB CARD SERVICES. I also noticed I had another unauthorized hard inquiry from XXXX XXXX on XXXX when I was on the phone with them looking at my inquiries. These inquiries were not authorized by me and I would like to have them removed from my credit report.
Product: Mortgage

Since they began servicing my loan, Caliber has sent my tax payment to the wrong address. The previous 2 years ( XX/XX/XXXX ), I have had to work with the municipality to trace it and get it properly applied, incurring late fees. I have addressed this with Caliber every year and they still have not changed it. My recent conversations have gotten them to correct the billing address, but they paid my XX/XX/XXXX taxes twice with my money. Now they are asking for an escrow increase to cover the shortfall, rather than trace the XX/XX/XXXX payment. I have spent hours on the phone with them and they do not seem to care, they just send me a bill.
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. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :
Product: Credit reporting, credit repair services, or other personal consumer reports

i have an XXXX XXXX XXXX car loan # XXXX XXXX for {$260.00} monthly and all 3 credit bureaus have removed or blocked from my credit file. I called and they said i disputed is as fraud and I DID NOT. I ASKED TO HAVE IT REPORTING AND THEY SAID THEY COULDN'T. I called the credit union and they said it was a credit bureaus issue. 
I need this back on my credit as it is my account and i need it showing. Please get this fixed by having it report on all 3 bureaus I never filed any fraud dispute with this loan