23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We opened a Home Equity Line of Credit with XXXX XXXX XXXX XXXX. The funding was available on XXXX. Our banker said we were supposed to receive an introductory rate for a year. But it seems that didn't happen. 
My complaint is about Dovenmuehle that took over the processing of the HELOC and the statements. We made one interest payment to XXXX XXXX with a due date of XX/XX/2020 for {$280.00}. And also made a principal payment of {$3100.00}. When the monthly billing statement came from XXXX, I called because I felt they were charging too much interest, that is due XX/XX/XXXX. ( {$1000.00} XXXX Our payments were drafted on XX/XX/2020, due to the holiday. I did not pick the drafting date, so interest was charged for 3 days extra, through no fault of ours. 
I called Dovenmuehle on XX/XX/2020 and spoke with XXXX. She said she saw the problem and opened a ticket. She also asked that I send an email stating I did not want drafting on XX/XX/2020 until the interest situation was resolved. I received an email from XXXX XXXX which stated the formula for calculating interest. She did not address my concerns. I tried calling her, but her phone # did not answer, even though it presented as a business phone # with an extension. So I called Dovenhuehle again and spoke with XXXX  ( sp? XXXX. She said she couldn't put me through to XXXX. So I went over everything again with her. She said there wasn't a problem. I again called and tried to reach XXXX and I got XXXX. He wouldn't put me through to XXXX either. He said he was a supervisor. I was not happy with his explanation either and he said most likely the interest amount in question {$1000.00} would be drafted on XX/XX/XXXX. XXXX said she saw the problem and XXXX and XXXX and XXXX XXXX did not. I don't know who to believe as their responses to me all differed. I feel we will be paying more interest, than necessary and I can't get resolution. What should be our next steps? It was so much easier just working with XXXX XXXX XXXX. Not impressed with Dovenmuehle at all and wish they weren't involved with our account. We may end  up changing banks if we can't get good personal service. Please let me know.
Product: Credit reporting 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 confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ XXXX XXXX XXXX  ] has furnished information that is either inaccurate or unverifiable. 

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Vehicle loan or lease

Identity Theft!!!! 

Someone used the information I provided on a passport application to take out a vehicle loan and I was just contacted to log into the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked and provided enough information to transunion to delete personal wrong information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX XXXXXXXX Account number 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 state a consumer reporting agency can not furnish an account without my instructions.

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

I recently reviewed my credit report, and noticed an old account that was closed. It belongs to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I no longer have it and disputed it several times, asking for removal, but the credit agencies have ignored my requests. It is hurting my credit, preventing me from getting new credit cards or other credit products in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX, XXXX & XXXX XXXX, and XXXX XXXX XXXX has violated my rights. 

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 instructions
Product: Credit card or prepaid card

On XX/XX/2019 there was a fraudulent charge on my Citi Bank credit card for {$570.00} from XXXX. I did not notice the fraudulent charge on that day, and got no fraud alert from Citi Bank. On XX/XX/2019, I received a large box of energy bars from XXXX. I called XXXX to determine why they had sent me these bars. They stated that an order had been placed in my name, and using my credit card. I immediately called my credit card company and told them of this fraudulent card. They said they would open a fraud investigation and reverse the charge. They then closed my credit card and sent a new card. 

I called back XXXX and asked them if they wanted me to ship there bars back, thinking that they were also somehow a victim in this fraudulent charge, and they should get their bars back since the credit card company was reversing the charge. 

They emailed a shipping label, and I returned the energy bars to them. 

InXX/XX/XXXX, without any notification or attempt to contact me or determine if I really did receive the shipment or if I'd returned it, Citi Bank revered the {$570.00} credit to my card. Upon calling Citi after seeing this charge on my card, their rep stated that their fraud department had determined that I had received a shipment, and was therefore responsible for the charge. They demanded that I show proof that I returned the bars, and that they would investigate my claim to determine whether they would reverse the charge again. I stated that I did not place the order, and that had never contacted me about whether I had the product. They were very clear that the only determination as to whether I should be charged was whether I had received a shipment. After speaking with a rude customer service agent who could only tell me there was nothing she or I could do other than provide proof that the energy bars were shipped back, I asked to speak with a supervisor. The supervisor I spoke with was condescending, using a mocking tone of voice and seemed to take pleasure telling me that I had to provide proof or there was no recourse. 

This complaint is against both Citi Bank and XXXX. Citi Bank enables fraudulent companies to charge unwitting consumers large amounts by forcing the burden of proof on the victim. I have absolutely no recourse to recover this large amount of money without proof that I no longer have something that I did not want. Regardless of whether I had kept these bars, shipped them back, or threw them away, there was never any communication by Citi on their requirements as to what I needed to do so that I would not be charged. 

XXXX disputed the reversal and provided proof to Citi that they shipped these bars, even though I had sent them back. I believe this clearly shows that they are actively defrauding consumers by shipping these outrageously overpriced bars to stolen credit cards so that they can charge everyone who is not savvy enough to ship the bars back and keep the shipping information.
Product: Debt collection

During XXXX 2013, I went into XXXX XXXX XXXX ( Medical/Health Care ) with XXXX XXXX. During my stay, 2 separate doctors other than the treating physician stopped by to ask what brought me in. I asked both why they asked and each said they heard I was here and stopped by. Neither of these doctors did any treatments but both filed charges as consult visits. My insurance called foul on these charges. I had two insurances XXXX ( through my wife 's job ) and XXXX XXXX XXXX XXXX ( XXXX ). My insurance paid the bulk and XXXX picked up the remainder, I had already met my yearly limit so I had no additional copay. Neither insurance would pay for the bogus charges. After calling the hospital multiple times I was finally told the charges would be removed. I stopped receiving bills and all was well or so I thought. When I went to get my security clearance with the XXXX XXXX, the charges surfaced because instead of removing the charges, the hospital sold it to a debt buyer. I contacted the debt buyer First Financial Investment and they refuse to remove the derogatory information, because they brought the debt from XXXX XXXX XXXX  hospital. I have contacted First Financial Investment multiple times explained the account should never have been sent to collection. The Debt buyer First Financial Investment did not care. This is the only negative charge on my acct and it is jeopardizing my job with the military. I want XXXX XXXX XXXX ( Medical/Health Care ) to remove this derogatory mark from my credit report.
Product: Vehicle loan or lease

Billing problem account doesn't match how much I have paid problem with fees Too high of an interest rate was not aware of the interest rate being harassed by phone calls, texts, emails etc Not over due on payment this creditor doesn't allow you to pay ahead or skip payment even if you are ahead on your loan. 
This creditor doesn't allow auto payments, weekly, monthly end if you set it up it possibly it still wont come out doesnt allow you to just pay the principle, doesnt keep your information in the computer charging additional fees and don't know what for thing I'm being charged late fee 's and I am not late on a payment, I paid month ahead they expect you to pay every month regardless if you pay ahead and call text email you if you don't pay this is causing XXXX  and stress for no reason and the pressure to pay even if you have paid ahead they said I could skip decemeber and wasn't able to said I could make a partial payment and wasn't able to, partial payment is the full amount. no way to save your payment information or make auto payments. Website needs updating and options to pay multiple ways, principle only options.
Product: Checking or savings account

Very complicated and in depth situation tat will take multiple agencies to get involved, i don't have enough time or any help left in my situation to see the ending through. 
However, i am trying to get my pensions r a few other things worked out for my daughters before i pass on. This is the only reason i am perusing these issues at all at this time. I'm very weak, and have a have a harder time getting anything done these days. 
My x-husband was named my beneficiary representative by the VA. However he's not doing his job in helping me ou with my financial and medical needs. Instead he's withholding pain medication so I can't get around, not allowing me to access me to use my VA benefits-so he can use them for himself. And diverting my social security monies and other monies such as house into his account. He kicked me out of my house three years ago, and won't let me back. He's collected the XXXX and medical for my daughters with my first x-husband without me knowing since 2007, while i supported the family and had to work overtime. He also started to divert funds at that time. Im scared of him. He has most of my paperwork and my XXXX. Id like to get a blood relative to take over my VA beneficiary and Social Security Beneficiary since we were only married for two years, and his sister change the taxes to say i supported him, when i ws seeing someone else and he had his own bank account. the minute it became ten years he kicked me out of my house and started gaining possession of all my belongings. I'm not even dead yet. Give me a year. 
Anyhow, i have know idea how to look into this, since i need help doing things as it is and he's suppose to be providing that support. 
thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 my car was brought to XXXXXXXX XXXX XXXX for a repair. The company never repaired the car nor contacted me. I reached out to them and they stated they could not fix the car and I can come pick out another one with a cheaper deposit. I stated no thank you. I was informed by the sales manger that I would receive documents showing the car was paid off and removed off my credit report. I never did. Now on my credit report it is showing inaccurate information and is causing problems on my credit report. It is stating that my car was Not reporting in XX/XX/2019. Then in XX/XX/2019 it is showing foreclosure, then in XXXX it is showing Charge off paid in full. Those reports are inaccurate. This has been reported to the other bureaus previously and all of that inaccurate information has been removed. Your company is the only agency out of the 3 reporting inaccurate information.
Product: Debt collection

Debt collector ( ability recover services ) did n't verify collection no contract no signature.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that your company supplied to XXXX, XXXX, and XXXX. 

GM Financial has been reporting my loan/account with their company for the leasing of my XXXX XXXX XXXX as a repossession since XXXX XXXX. My account has not been in repossession status since XXXX XXXX. On the day in question, I woke up at XXXX XXXX  and discovered my car was gone, within 4 hours my car balance was paid in full and I was able to obtain my car from the tow yard. At the moment the car payment was made, and the car was taken out of repossession status it should have been accurately reported to the credit bureau within 30 days. 

They are continuing to report inaccurately. This is a violation of my consumer credit rights. I called GM Financial in XXXX to report to them that the inaccuracies were still being reported and the customer service team provided me with incorrect information and false validation to me that the situation would be handled. After being denied credit cards, loan applications, and mortgage applications I finally did some deep diving into my credit report and to my surprise discovered this fallacy that has been going on for almost 7 months. 

I have enclosed the monthly billing statements from GM financial from XX/XX/XXXXXXXX  to present XX/XX/XXXXXXXX  for proof of my claim.
Product: Debt collection

I SEND OUT XXXX LETTERS ON XX/XX/2021 TO TRANSUNION CONSUMER SOLUTIONS, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. I HAVE NOT RECIEVE ANY INFORMATION ABOUT FORMAL COMPLAINT. THESE COMPANY HAS FELL TO ABIDE BY THE LAW.
Product: Credit reporting or other personal consumer reports

I asked for proof that the alleged information was sent to me in the correct form and Transunion not only did not provide it has been more than 30 days
Product: Credit reporting or other personal consumer reports

There are items that need to be removed from my consumer report and I have not heard anything within the allotted 30 days about. I want all of these items removed immediately. 

I demand that the following account be verified or removed immediately : 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: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 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 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

Jefferson Capital Systems is showing that I opened an account with them. I have never had any dealings with company, no knowledge of the account with them and never authorized any charges or opened an account with them. When I disputed this with The credit bureau this company changed dates to look like I opened an account with them in XX/XX/2019. They keep updating their dates to make it seem like a current account to negatively impact my credit. I dont know anything about this company. Please help.
Product: Credit reporting or other personal consumer reports

The accounts listed below are reporting on my file and was found in my reports with XXXX and XXXX credit reporting agency. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau 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 is 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 ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$6900.00} ; XXXX  Inquired on XX/XX/XXXX.
Product: Mortgage

Colorado Housing and Finance Authority ( CHFA ) is not allowing us to make a payment directly to our escrow account. They demand a payment of my mortgage payment before I can pay online. They said they would take a check, or payment online. I ended up making the payment on the phone, they did waive the fee after complaining. I was not provided a receipt and only a confirmation number. I asked for an email receipt in which they refused and said its not in their policy. 

I am requesting an investigation into this companies ' practices for billing and management of my escrow account. This company also refused to let me manager my taxes and insurance. They refuse to remove my escrow. CHFA is not in the fair practice of business in my opinion they lack credibility and seem to be all about profit not the consumer. 

If you look at their reviews online this story matches others complaints too. They have a XXXX start on XXXX XXXX XXXX  on XXXX and are one of the worst companies I have gone with.
Product: Money transfer, virtual currency, or money service

Cashapp problems. Locked me out of my account. Trouble contacting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX we received a statement showing a payoff amount and due date of XX/XX/18. Regions bank proceeded, with no notice to us, with reporting a 60 day late report on an amount that was included in the payoff statement that gave us a due date of XX/XX/18. They reported to the credit bureau without notification except for another payoff statement sent out in early XXXX, again showing a due date of XX/XX/18 for the total amounts including late payment amounts. 
This payoff information was misleading regarding the payoff due date and amount. See attachment for a full account of what has transpired. 
Thank you! 
M
Product: Checking or savings account

We requested in writing to close both a checking and money market account using the bank 's secure messaging system. We received some responses, however the accounts were not closed. We withdrew all the funds. However, the bank insists on keeping the accounts open. We also sent them a written letter. And now we are getting notice of fees being assessed and negative balances. We have called their contact center and stayed on the phone a long time with them, again asking for the accounts to be closed. They promised to close the accounts as we asked. No luck. They just don't seem to be able or willing to close them. I have attached a number of documents as evidence of our efforts to have the account closed. This involves two different accounts, both of which we were trying to close at the same time, one checking and one money market account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> an unauthorized inquiry was pulled on my credit report. When I originally called transunion they told me that I needed to submit a letter from my self and company stating that it was not authorized and it would be removed next day after receiving this information. I called the next week after they received documentation and they told me it was being sent to another department for processing. I received a general voicemail almost 2 weeks later and then I called back a few days later and talked to three different very unprofessional, unethical people one of them which claimed to be a manager but I dont believe he was. They're working from home as well. They all told me something different and that I needed to submit a government report to have it removed. There isnt a report that exists. I called on a XXXX morning which has to be one of their busiest call days to speak with a manager and they told me they don't work on the weekends. I find this very hard to believe. They lied, sent me on wild goose chase and are discriminating against me. They are toying with peoples lives.