23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am disputing the collection account with SANTANDER CONSUMER USA, account XXXX, dated XX/XX/year>, with a balance of {$2200.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that SANTANDER CONSUMER USA, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to bring to your attention some discrepancies I have discovered on my credit report, which I reviewed on XX/XX/year>. I have found that certain information related to the following accounts is incomplete and inaccurate : Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Dates are Inacurate. 
Account Name : XXXX, Account Creditor Information : XXXX XXXX XXXX XXXX Account is Inacurate Due To Fruad By Someone Else. 
Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Dates are Inacurate. 
Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Dates are Inacurate. 
Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX Account Dates are Inacurate Due To Fraud By Someone Else. 
Account Name : XXXX XXXX Account Number : XXXX Account Dates are Inacurate. 

As per the Fair Credit Reporting Act, it is incumbent upon consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information pertaining to the individual for whom the report is prepared. 

I kindly request that you review these accounts and rectify any inaccuracies at the earliest. Your prompt attention to this matter will be greatly appreciated. 

Thank you for your understanding and cooperation. 

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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 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. 

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
Product: Checking or savings account

Wellsfargo charges overdraft fees from 3 days prior. They save fees for charge on the next day so they can charge more than 3 fees. Defeats their claim of only charging 3 fees per day. I made sure my available balance was positive before time they required to avoid fees and took a screenshot of it still being charged the next. I called them and asked they said only one courtesy per year. I filed a complaint.
Product: Debt collection

On XX/XX/XXXX the law firm of Hodosh , Lyon , & Hammer , Ltd. filed a civil book account in the XXXX Division District Court of XXXX XXXX  The law firm was retained by XXXX XXXX XXXX who was sent a debt I apparently owe to XXXX XXXX XXXX XXXX The debt is a credit card debt. According the the court documents the original line of credit was extended to me on or around XX/XX/XXXX. No supplemental documents have been made available from XXXX XXXX via the law firm regarding when XXXX XXXX was originally assigned to collect the debt. On XX/XX/XXXX a summons was filed with the court which I answered on XX/XX/XXXX. My answer was filed with the notarized, filed with the court, and a copy was mailed to Attorney Hammer at his office. I also filed a notarized cease and desist letter and mailed a copy to Attorney Hammer. That letter gave him XXXX ( XXXX ) days from XX/XX/XXXX to cease and desist collections activity. The reasoning for such is that I am unemployed, and have a pending XXXX case for permanent XXXX. I'm also in the process of filing bankruptcy to settle my debts, and have a XXXX attorney for this. On XX/XX/XXXX, just over a week past the 30 day mark of the cease and desist, Attorney Hammer filed a motion for a summary judgement with the court. Seeing as how I have no wages to garnish, and will likely be on XXXX, and the cease and desist was violated, I have no choice but to file this complaint against Attorney Hammer and his firm. I responded with my objection, filed with the court and mailed to the attorney today XX/XX/XXXX.
Product: Student loan

Navient did not email me the loan was due. I am not late.
Product: Debt collection

Community Bank contacted my father. We are estranged and they were never given that contact information or permission. He was called today XX/XX/2017
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX  - XXXX - {$36000.00} XXXX XXXX XXXX XXXXXXXX XXXX {$3300.00} XXXX XXXX XXXX XXXXXXXX - {$3900.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Also Known As : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Previous Address ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, Employers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

The mortgage serving company, Rushmore Loan Management Services, LLC, purchased lender placed hazard insurance for my property, without my authorization or consent, despite the fact that I already had property insurance of my own. 

This resulted in an increased monthly payment being deducted from my account, again without my authorization and consent, and my being overcharged in the amount of approximately {$110.00}. It also resulted in my records reflecting an increased monthly amount, and my being improperly charged a late fee of roughly {$120.00}, despite the fact that I have timely made all payments. 

I have made roughly 8 calls to Rushmore 's customer service and insurance department in an attempt to get this issue resolved and have been given the " run-around '' time and time again. 

This is possibly the most dysfunctional financial services company I have ever engaged with and I would encourage the CFBP to take any and all steps they are authorized to take
Product: Credit card

On XX/XX/XXXX, I attempted via chat to have close my XXXX  credit card. The only charge on my account was only the annual fee for the *subsequent* card year. The charge description of the annual fee even states " ANNUAL CHARGE XX/XX/XXXX THROUGH XX/XX/XXXX ''. The date of XX/XX/XXXX has yet to occur. Despite this, Penfed states that they won't close the card until the annual fee for next year is paid. They say they will not reverse the annual fee even though I intend to close the card.
Product: Debt collection

Debt with XXXX XXXX XXXX XXXX has be re aged. Account was opened in XX/XX/XXXX is showing opened on XX/XX/XXXX. Account was not validated and should be removed as soon as possible.
Product: Checking or savings account

Today XXXX I went to Wells Fargo due to them closing and account that they supposedly had already opened. I went to customer service physically with my lawful identifications but the lady just said that they don't want my service as reason for account being closed. Banker verified everything and no reason came back to them such as money owed, overdrafts, fraudulent activity. Nothing whatsoever. I really looked forward to getting wells fargo account because it is convenient and a national available bank. The banker just said if I tried to open an account it will just be closed. I am only XXXX XXXX XXXX and really looking forward to getting them as my preferred bank. Please help.
Product: Mortgage

Essex Mortgage is the new servicer of my loan. I have always made payments on time, with the same account and have not ever missed or been late on a payment. 
On XX/XX/XXXX I made my usual monthly payment for XXXX. 
On XX/XX/XXXX, the payment was returned - reason being that the " account was unable to be located '' I received a call on XX/XX/XXXX from Essex, the woman informed me of the payment being returned ( as I was not sent any alert or notified ). I immediately made a payment with her over the phone ( I have been trying very hard to increase my credit and be on top of all monthly payments ). While I made the payment over the phone with her, she confirmed with me that it was a success and the payment wend through. She CONFIRMED that payment was a success and we were all set. This call should have been recorded and documented. 
On XXXX I received an alert that my credit score dropped XXXX points. Apparently the payment was not successful again. This is not due to insufficient funds or anything on my end. This is the same account I've always used and have never had trouble. I did not receive any communication from Essex Mortgage. 
I called them today on XXXX to explain. They have acknowledged that this error is not something that is a fault on my end. However they are not seeming willing to convey this information to the credit bureaus, which puts me in a very bad position as over the last 12+ months I have worked to increase my credit significantly as my family works to purchase our next home.
Product: Mortgage

Bank of America was supposed to modify my mortgage from 6.75 % fixed to the current rate 4.00 % Fixed. I was told to call XXXX, when I did, I was told that my paperwork had been lost.
Product: Debt collection

CFPB case XXXX. XXXX Barclays mailed three checks to an old address, and it failed to do its fiduciary duty by honoring the checks after their expiration date. These checks were not received, signed nor endorsed by me, nor I did not authorize anyone to deposit them in a bank account. 

I have tried to have the bank remove these charges, and now I have received a Summons from the XXXX XXXX XXXX XXXX XXXX XXXX  asking for payment. Summons No. XXXX. 

In essence, the bank failed its fiduciary obligation to protect itself and its card holders from fraud, and now it wants me to remedy their lack of due diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX  has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$9000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Owed : {$100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$720.00} XXXX XXXX XXXX XXXX XXXX Creditor : GXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$220.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion, XXXX and XXXX due to unfair practices as it relates to the furnishing of inaccurate consumer reporting information on my credit report in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX removed this account from my credit report and then re-added this same account several times over the course of the last 4 years which is a violation of the Fair Credit Reporting Act ( FCRA ), its implementing regulation, Regulation V, and the Consumer Financial Protection Act of 2010 ( CFPA ). I did not obtain a new loan in XXXX with XXXX XXXX XXXX XXXX and I do not know if this means that the loan was sold as no information was provided to me regarding this nor did I give consent to have my personal information sold to a 3rd party. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I tried to ask for your help however I just got a letter in the mail stating that someone submitted a complaint under my name without identifying themselves. 

What Identification documents do you need in order to proceed with the help I am asking about? 

I am attaching the letters I received from ya 'll and hope to get assistance to take a look at my case. 

XXXX XXXX
Product: Debt collection

I received an email that I was being sued by MIdland Financial. They stated that they were going to garnish my pay check. This is the second time this same company has done this.
Product: Debt collection

I moved out of a property in 2018, I paid 1st months rent, last months rent and security ( equal to 1 months rent ) when I initially moved in. I moved out before the end of my last month and never got the pro rated amount for last months rent or security deposit back which was fine, the property was cleaned professionally before I left and was in good shape, then I see on my credit report that I owe this property over {$12000.00} which equates to approximately 5 months rent! I have reached out to this property and have told them this is an egregious act and I absolutely do not owe anything to this property and demand they remove this from my credit report and they have been flagrantly unresponsive! Please help as I have a wife and XXXX XXXX XXXX daughter and this collection on my credit is preventing me from leasing a home in a decent area! I lose sleep over this every night! I have been fighting this since 2018 please please help! 

Thanks In Advance For Your Assistance XXXX XXXX XXXX
Product: Debt collection

To whom might concern : I got a collection letter from PAM ( Professional Account Management ). It said I owe a fine of {$140.00} parking citation. I have not received any citation information from XXXX about Citation # XXXX. I looked up my license plate number through XXXX Payment and Inquire. I couldn't locate any information of this Citation # XXXX. Then I search the location of this citation was issued " XXXX XXXX XXXX " It didn't indicate which city and zip code. A citation usually contains a lot more information. Obviously, they are making up this information. 

I received a second letter from PAM today XX/XX/24. In the letter it said that XXXX XXXX XXXX mailed two notices to me but I never received any letters from XXXX XXXX XXXX because I don't live in XXXX. 

I actually called XXXX XXXX XXXXXXXX about this Citation, they have no information about this citation and never send any letters to me which PAM claimed thaXXXX XXXX XXXX XXXX sent two notices. I was told that if I were gotten a citation, XXXX should have handled the case instead. 

I would like to report that this company is scam and commit a fraud that contains false information and try to collect a debt that never existed. 

This company received so many complaints online. Please stop this company from scamming others.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : XXXX XXXX XXXX - XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.
Product: Student loan

I have Private Loans with Navient as well as a Cosigner and I have asked Navient to lower my payments numerous times and they have denied me without a lot of Explanation to why. 
They just asked if I wanted a Forebearnce instead of trying to work with me on the payments or Refinancing the loans. 
The payback of the loan a month is XXXX currently and increasing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX AND LEXISNEXIS IS CURRENTLY LISTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY PERSONAL CONSUMER REPORTS. 
AS I HAVE REPORTED TO THE FEDERAL TRADE COMMISSION ID THEFT REPORT.
Product: Checking or savings account

Went into Fifth Third Bank at XXXX XXXX XXXX XXXX, IL XXXX. 

This afternoon I went into my local fifth third branch to do a withdrawal of {$2000.00}. Ive banked with fifth third for over 10 years plus and I withdraw money regularly, today I went in to do a regular withdrawal. I provided my Drivers License as well and my debit card to XXXX and she was initial rude, she proceeded to ask me a series of questions pertaining to my account as if there was something wrong with the account or as if i wasnt the owner of the account. I answered all questions as needed and she told me they were wrong. I opened my account 10 plus years ago, I do not remember all of the questions that i mightve set up but instead of her sending me over to a banker to potentially rest my security question or for further authentication. her attitude grew stronger and she told me that she can no longer assist me, although I was authenticated by pin AND with my drivers license. At this time I became agitated and frustrated. I asked for a manager ( XXXX XXXX XXXX ), and unfortunately the manager was the same exact way! instead of him trying to find a way to help resolve the situation, he made it even worse! He was not helpful at all, and spoke to me in a rude way! After having me in the branch for 1 hour he finally let me withdrawal the amount. For me to have a relationship with fifth third for over 10 years they should be ashamed of themselves! This was a very distasteful visit! Im very disappointed, I loved fifth third and being a client. I even wanted to apply for a mortgage loan with the bank since ive been with them for so long but this is unacceptable.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXXXXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports