23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/22, I deposited XXXX checks totalling {$1000.00} into a personal checking account at TD Bank at XXXX XXXX XXXX, XXXX, PA using my ATM card. Only XXXX of the checks totalling {$800.00} were credited and I have been trying to resolve the missing {$200.00} since that date. I went into the bank immediately afterwards and they opened a XXXX XXXX investigation, the results of which were that the XXXX checks which were not credited had been destroyed. This is not correct because one of the checks was drawn on a XXXX account and the owner of that account was debited {$200.00}. No one seems to know where the {$200.00} is and TD has never credited my account. It then made an adjustment request and today I found out that had been closed. So my neighbor 's account has been incorrectly debited {$200.00} ( he wrote a check for {$100.00} and somehow he was charged for the XXXX {$100.00} checks ) and I have never been credited for the {$200.00}. This all happened on XX/XX/XXXX and it is literally almost XXXX months later and despite innumerable phone calls, emails, and several in person visits to the branch, I can not TD to resolve this issue. Fortunately, I maintain a large enough balance that I can wait for the resolution, but what about a person who needed access to the {$200.00}?
Product: Debt collection

XX/XX/2012, I rented a car in XXXX and drove around for a week. Four months later, I received a notice of an infraction for " entering a limited traffic area without authorization, '' in a small town. Having heard this is a common scam of tourists -- for small towns to make these baseless charges -- I informed XXXX that I would like some proof. 

The next contact I had was from Cedar Financial, attempting to collect the debt. I similarly asked them for proof and was only given a photograph of the license plate of the vehicle I was driving. This was not proof of anything other than the fact that XXXX can take a photograph. 

I told Cedar Financial to stop harrassing me, and I filed a complaint with CFPB at least a year or two ago. I thought the matter was over. Well, about a month ago I was contacted by Cedar Financial again, attempting to collect this debt. I informed them that no proof had ever been shared with me and that any further attempts to collect this debt would be considered harrassment and I would report them. 

Today, I received the same photograph from Cedar Financial as before -- a very clear photograph of a license plate ... no time-stamp, no location coordinates, no proof at all that I was in a limited traffic area outside of the legal time. Therefore, I am reporting them again for harassing me by trying to collect a debt they themselves can not prove. In essence, Cedar Financial is becoming a bully and tool for a small XXXX municipality that is scamming tourists.
Product: Debt collection

I contacted the company to request a copy of a statement with my signature and a copy showing the first date of delinquency on the account sent to a third-party collections company.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May concern : Serve this to claim a false report on my credit. I recently applied for a loan to a credit agency to acquire a property, to my surprise, the report shows some alleged miss payments. The agent who helps us with the application provided me with the report to be able to claim these allegations. These alleged non-payments are reported in XXXX which I do not recognize since I was making monthly payments. When the account is transferred to Banco XXXX, continue with it making monthly payments until XX/XX/XXXX when it was closed. 

My acquisition of an account with Banco XXXX of PR ( XXXX ) was through a change made by the banking institutions of Banco Santander of Puerto Rico and Banco XXXX Puerto Rico. Once the institutions were joined, my Santander bank credit account goes to the XXXX XXXX, for which XXXX assumes responsibility for it. 

The purpose of this claim is to remove these false allegations to my credit. I have tried to communicate in multiple ocations with agents of the XXXX Bank and they have not been able to help me with this diligence. I have contacted the different accrediting agencies ( XXXX XXXX ) which inform me that this request can only be made by the same bank that reported them, in this case XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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: Debt collection

After paying the bill in full via their website and validating that it cleared my account the following day I received a phone call from them two weeks later on my cell phone stating they had no record of this activity. After giving them my acct and auth numbers, I pressed the agent and found out that it can take 30 day 's to process. The agent wanted me to send a copy of it clearing my bank account. Essentially they were making their problem my problem. The agent then asked me why I was berating them the day after XXXX. When I asked to speak with their supervisor, the agent said they were a supervisor. Very unprofessional and this upset me greatly.
Product: Debt collection

XXXX XXXX XXXX  purchased two of my debits owed from a credit card I defaulted on. XXXX   XXXX XXXX filed to take me to court to sue me but they offered me a settlement and I accepted and paid it before the court date. I also made an arrangement and paid the second account they had of mine as well. InXX/XX/XXXXthe two accounts were being reported on my credit report with a balance so I disputed it stating that the balance was wrong and that I paid the full settlement we agreed upon and asked it to be removed from credit report. XXXX XXXX XXXX responded back to the dispute and put it as a new negative account on my credit report and listed the amount owed as the full amount and dropped my credit score 50 points. I have the proof it was paid as we agreed but they wont remove it and are listing it as new again for the full amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a volunteer repossession of a vehicle that I was to purchase around about XX/XX/XXXX. The company XXXX XXXX XXXX sent a letter informing me that they were going to sell the vehicle as a private sale on or about XX/XX/XXXX. I decided to start getting my credit in order and saw that XXXX XXXX XXXX reported me to all 3 of the major Credit Bureau as owing {$15000.00}. I went into this loan agreement in XX/XX/XXXX for that amount. I sent notice to all 3 credit reporting agency and to XXXX XXXX XXXX to have it removed from my credit report on XX/XX/XXXX. I was told by all 3 credit reporting agency that they verified that account belongs to me, and will not remove the derogatory remark. I after not receiving any response from XXXX XXXX XXXX I sent a second letter on XX/XX/XXXX to all 3 credit reporting agency and XXXX XXXX XXXX send me a copy of a contract bearing my signature and, I received nothing from Santander Consumer USA again. I received once again a letter from all 3 credit reporting agency stating this is my account. I then sent a third letter on XX/XX/XXXX giving them 15 days to send me proof of what XXXX XXXX XXXX sent them to prove this is my account. I received nothing again. So, I sent a letter to XXXX XXXX XXXX asking them to send me what they sent to the credit reporting agency, once again they failed to respond. I have tried my best to get this resolved but XXXX XXXX XXXX refuses to speak or open a line of communication with me. My last and final attempt before contacting you was a letter sent to XXXX XXXX XXXX on XX/XX/XXXX was to provide me proof of the sale and the amount once again no response. I see that on XX/XX/XXXX XXXX XXXX XXXX  charge-off my account then on XX/XX/XXXX the amount was {$11000.00} they continue to add the payment amount of {$420.00} each month unit they got to the amount of {$15000.00} my question how is that possible when you have already charged my account off?
Product: Payday loan, title loan, or personal loan

Back in XX/XX/2017 I went online to purchase a washing machine through XXXX XXXX for XXXX, however, I entered information wrong and contacted the store and they cancelled that order issued a refund and I re-ordered the machine for the same XXXX. Upon looking at my statement I realized that Pay Pal never took the second amount of XXXX off even though on my statement it clearly states XXXX XXXX refund XXXX. Instead they took that amount and applied it to other purchases I made on my account, leaving me with nearly XXXX still owed. I made a partial payment on the second amount, leaving a balance of XXXX, and when I questioned them about why they did not give a credit for the XXXX they said they used the money on other purchases and that they did not know the XXXX was a credit since XXXX XXXX never stated it was a refund. Clearly they are lying and I have proof it says " refund XXXX XXXX '' on my statement. They took my money did whatever they wanted with it and now I want them to cancel the XXXX still owing and give back my XXXX store credit!!! They do this a lot and I am tired of being used and lied to.
Product: Mortgage

I am in the process of taking out a 2nd mortgage. A title search was done on my home. I took out a LOC with XXXX XXXX for {$80000.00} in XXXX and settled the loan in full around XXXX. I remember receiving a letter around XXXX from HFC/HSBC ( the servicer of the loan ) stating the loan is settled in full and the loan is now satisfied however I can not locate the letter. They must not have satisfied/cancelled the mortgage because the mortgage is showing up on my chain of title. Today I requested a release of Lien/Satisfaction via email however their email response stated it will be at least 30 days and could take longer. I need to get this done now. I have lived in my home for 23 years and this is the first time since XXXX ( when I opened this mortgage ) title has been pulled on my home so I never knew they never satisfied/cancelled the loan. Today was the first time I corresponded with HSBC in about 10 years. They have not sent me anything stating I owe anything, they never called, I never received a letter of any sort since we closed this loan around XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$39000.00} that appears related to the aforementioned personal loan account opened at Pentagon Federal Credit Union. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$6700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$7700.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$7700.00} Times 30/60/90 Days Late XXXX Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX XXXX   Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$24000.00} Term -- Monthly Payment -- Responsibility Joint Account Balance {$26000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$26000.00} Times 30/60/90 Days Late XXXX Remarks XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account all filed to the ftc
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX the last four of my ssn is XXXX. My date of birth is XX/XX/year>. This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX, XXXX and Experian credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, personal loan, or advance loan

I can not afford to pay back the loan right now my financial situation is not in good standing, and I need the company to stop harassing me on a daily basis unfortunately I am truly struggling with the high expenses of rent living and not receiving any income at all. Also, I was in the hospital for the XXXX XXXX that had me out for 3 weeks.
Product: Debt collection

I am paying on my sons student loan that I cosigned on. I can not pay on the due date but have never missed a payment. Key Bank calls anywhere from XXXX to XXXX times a day starting from 2 days after the given due date until they receive the payment, which is usually 2 weeks
Product: Debt collection

To Whom It XXXX Concern, Company : JHPDE FINANCE I , LLC Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Per 15 U.S. Code 1692f - Unfair practices A debt collector XXXX not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than XXXX days unless such person is notified in writing of the debt XXXX intent to deposit such check or instrument not more than XXXX nor less than XXXX business days prior to such deposit. 
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. 
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. 
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. 
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 
( 7 ) Communicating with a consumer regarding a debt by post card. 
( 8 ) Using any language or symbol, other than the debt XXXX address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector XXXX use his business name if such name does not indicate that he is in the debt collection business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. I told Experian. XXXX and XXXX to reinvestigate this accounts : Account name : Bankruptcy XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXt # XXXX XXXX However they stated everything was complete and accurate. But how is that possible if the address and dates of last activity and much more is incorrect. According to 15 USC 1681 ( i ) they are suppose to modify account that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States 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 a account without my written instruction. 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. I ask them to provide proof the only thing they sent was that all accounts was accurate and updated and verified but never showed or told me how they verified the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year, just before property taxes were due, I realized on one of my mortgages the escrow account did not pay my property taxes as of said date.

I called Shellpoint inquiring as to why my taxes weren't paid yet? They said they would respond with 72 hours ... No response ... I call back again ... same response - " we will call you back in 72hours '' ... another 72 hrs later zero response..This went on for almost two months when finally I called and they said the escrow account is short and they need to recalculate what the dollar amount is ... ... They said they would get back to me in 72 hrs ... No call back since Shellpoint took over as lender at the beginning of the year I have been on automatic withdrawal on all 3 accounts I asked them until they get this adjustment corrected should I refrain from automatic withdrawal ... They said thats not a problem as they would rectify this issue quickly and get back to me
within 72 hours ... Absolutely aero response I call into Shellpoint in XXXX to ask if they paid the property taxes and penalty and wanted to make sure I wa n't being charged for this error on their part and penalty for unpaid taxes They assured me they didnt charge me and sent me a letter justifying the charges and that they paid the penalty ... At this time they didn't mention I had to pay XXXX 's mortgage payment ... And I was put back on automatic withdrawal so I figured they worked it all out and I would just get automatically billed for the new amount It wasn ; t until a few weeks ago did I get notification that my credit score showed a missed mortgage payment for XXXX I immediately called them and every 3 days when I call in have been given the same speech - " we are looking into it and will get back with you within 72 hours ... ZERO RESPONSE!
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX Date Last Active XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX and there is no reporting at all for Equifax. 

Actions taken by me : Sent several disputes. 

Actions taken by Company : None XXXX XXXX DATE LAST ACTIVE XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. 

Action taken by me : Sent several disputes Actions taken by company : None
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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