23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Auto-withdrew XXXX  from my bank account on XX/XX/2019 which is not the amount that I consented to when I signed up for automatic payments. I normally pay {$XXXX}. That is 720 % more than I have predictably paid. Called on XX/XX/2019 to explain the situation and asked for help. Was told any refund would take 60 days to process - this is totally unacceptable. I had submitted information to continue my income based repayment. Now I am severely overdrafted with my bank and racked up {XXXX of fees. 

They sent me a notice telling me to update my income based repayment on XX/XX/2019. I immediately completed it. It seems totally unreasonable to send me this notice and hike up my payment coming due 5 days later when they do not process these income driven repayment plans take 30+ days to process on their end.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I have provided all requested documentation to have all listed items REMOVED from all credit bureaus immediately as a victim of indentity theft. I demand the removal of ACCOUNTS : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I opened my account after the company offered a cash promotion for opening the account. The company took 6 additional months to pay the bonus. After finally receiving my bonus, I attempted to close my account. I called the customer service line, as well as going into the branch, and was told both times that my account was closed. However, after opening a new account, I came to find that my account was NEVER CLOSED AT ALL. This is very dishonest, and makes me wonder if they are opening accounts that customers did not agree to like XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, CoreLogic illegally furnished fraudulent reports without my knowledge or consent infringing upon my right to privacy pursuant to 15 U.S.C.1681b, 15 U.S.C . 1692e, and 1692d false and misleading information in my consumer file/report. This information was in turn supplied to XXXX as well as XXXX XXXX XXXX. A clear breach of my privacy has taken place under the guise of : " credit risk assessment ''. I am demanding that this information be removed and ask that Remedy be sent through mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED 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 XXXXXXXX
Product: Mortgage

Today, XXXX XXXX, 2016 I can not apply for a personal loan to pay for the XXXX to address the XXXX son XXXX is suffering because OCWEN is reporting to XXXX that my home loan is paid in full but still open and OCWEN has pulled my loan completely from XXXX and OCWEN has update the information with XXXX that was incorrect last week when the other bureaus were correct. This instability has been going on all of 2016 since OCWEN posted the {$76000.00} Keep Your Home California funds to my account and the {$5000.00} HAMP incentive funds to my account that I received for paying my loan on time for six years. Once OCWEN posted those funds, they removed my name from the account and have kept my credit score in a constant state of flux. OCWEN told the Attorney General and CFPB that I had failed to get a KYHC document signed and notarized when in fact that document was not sent to me until many months later because OCWEN had removed my name from the loan and they had no reason to send me that document because they had taken my name off ( even though I was the one who had applied for the KYHC funds and those funds were granted to help me and my son ). OCWEN has kept my son and I financially crippled since XXXX 2016 and shows no sign of making a permanent correct to stop harming us financially. My credit score has been going from Excellent to Poor, back and forth and each time I click on the reason why, OCWEN shows as the change. Comments they put on my report cause the score to drop. Untrue information they post causes my score to drop. They remove it, correct it and then post untrue information again and again. The nightmare has been going on all 2016, preventing me from being able to afford a loan to help my son. 
XXXX XXXX of XXXX just called to tell me that even if OCWEN begins working to correct this, it could take WEEKS before my score is restored. This means my XXXX son has to XXXX weeks and months longer each time OCWEN repeats this mistake. XXXX ' XXXX due to the delay OCWEN has caused. As is, XXXX is having to XXXX because of problems caused by medications he would not have to take if OCWEN had not delayed his XXXX so many times this year. 
XXXX XXXX XXXX XXXX said that OCWEN needs to realize that when they REMOVE my loan, they ca n't just start transmitting updates. They have to put the loan back on before they can transmit updates. OCWEN routinely tries to transmit updates without repairing the damage they have done and they blame the bureaus for this not working. It is 100 % OCWEN 's fault this is happening. XXXX as a result of this unwarranted financial harm which is preventing the funding of his XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX Subject : Urgent Request for Assistance : Ongoing Identity Theft and Access Issues with Unemployment Benefits Dear CFPB Team, I am writing to seek your urgent assistance regarding a troubling situation that has severely impacted my ability to access my unemployment benefits. My name XXXX XXXX and my Social Security Number is XXXX Since XXXX [ year ], I have been experiencing significant issues logging into my Hire account, which I use to claim my weekly unemployment benefits. Recently, I have encountered messages indicating that my account contains inaccurate information, which threatens my ability to receive the benefits I am entitled to until the end of this year.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

I noticed these accounts on XX/XX/XXXX : Account Name : XXXX  Account XXXX  Date Opened : XX/XX/XXXX Account Balance : {$1300.00} Account Name : XXXX XXXX Date Opened : XXXX XXXX Account Balance : {$690.00} Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX Account Balance : {$640.00} Account Name : XXXX  XXXX XXXX Date Opened : XXXX XXXX Account Balance : {$390.00} Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX Account Balance : {$210.00} Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX Account Balance : {$830.00} Account name : XXXX XXXX XXXX XXXX XXXX opened : XXXX XXXX Balance : {$120.00} Account name : XXXX XXXX Account Number : XXXX Date open : XXXX XXXX Balance : {$190.00} Account Name : XXXX XXXX  Date opened : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX  Date opened : XXXX XXXX Balance : {$0.00} Hard Inquiries Account Name : XXXX Bank Inquiry Date XXXX XX/XX/XXXX Account Name : XXXX  XXXX XXXX  Finance Inquiry Date : XXXX XXXX Account Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Account Name : XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX
Product: Mortgage

I have late penalties and charges on my mortgage account, despite the fact that I am paying on time. 

Here is what happened : My loan was with XXXX for many years, I had a bi-monthly payments on the mid and end of the month. Since the deadline is usually on the XXXX of the following month, all payments were ahead of schedule by almost 2 weeks. All was good and on schedule since I started with XXXX back in XXXX. 

In XX/XX/XXXX, XXXX sold my loan to XXXX. I did not know until almost the due date was over, but I did manage to pay my FULL XXXX payment ONTIME on XX/XX/XXXX ( Due date was on XX/XX/XXXX ) for {$2000.00}. 

Then I started automatic bi-monthly payments from my bank account for {$1200.00} per payment, the 1st one for the month of XX/XX/XXXX was paid on XX/XX/XXXX for and the 2nd payment was payed on XX/XX/XXXX. 

After few months, I started noticing that I have late charges and penalties, I contacted Loancare which is the service company for XXXX multiple times, unfortunately was not able to get any one to talk to. I sent many emails with no answers so far. 

I dig my payment history from their website and realized that the problem was in XX/XX/XXXX payment, the company considered that payment as a principal payment instead of the 1st part of my bi-monthly payments for the month of XXXX. Once again I send many emails from their website, no answers so far. 

I finally managed to get them on phone today XX/XX/XXXX. I talked to an agent and her manager, and explained in clear terms what happened. I was not able to resolve the issue, their line of argument is that 1 ) this happened more than 6 months ago and we can not do anything ... 
2 ) we did not have a bimonthly payment system at that time, which I can not understand because they seems to accept my payments after that. 
3 ) you did not informed us that the XX/XX/XXXX payment was not a principal payment.
Product: Mortgage

I applied for a Home Loan online through Navy Federal Credit Union. Prior to applying to this loan I also applied for a loan through another financial institution. When I was called by the Loan Broker I was at work but she didnt seem to care and wanted information at that moment. I called my wife on a 3 way call so she could provide the info because at my job I can not talk and the Loan Officer was being quite rude and demanding.

She was asking about our down payment, income all standard questions. But it was manner in which she was asking. She was nasty, badgering and very discriminatory. How much money you have? What else? Thats All? Hmm not sure what I can do. What are you trying to get? Hmmph ... Do you have more income? A bigger down payment etc etc My wife mentioned that on the website it stated that the loans had no down payment. She immediately said we wouldnt qualify and didn't say why. Then my wife stated what if we got iur own down payment she said " nope not with Navy ''. Her tone wasnt of a Agent trying to assist with a home purchase. 
She finally said maybe she could offer {$150000.00} ... We were baffled.. Maybe??? Was this a game or business transaction. The irony was were approved for XXXX before this transaction as well as a few months ago. So we found a huge disparity in the number she provided. Furthermore we got a denial letter in the mail that citied a XXXX credit school with serious delinquency etc but then it states ***NO DEROGATORY INFO FOUND IN THE FILE. Also it states Excessive obligations in relation to income. Can they please prove this. My income pays rent. I have no debt in my name. No student loans, car notes, child support etc. 

When we pull the report there is no derogatory info there. So why was our loan denied? We cant prove it but our voices and names are distinctively XXXX. And from the moment the Loan Officer came on the phone she was rude was unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act a list of accounts below has violated my federally protected consumer rights to privacy to privacy and confidential under 15 U.S.C Accounts XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A. It also states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information other than records of convictions of crime which antedate the report by more than 7 years 15 U.S.C 1681 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the. Information is inaccurate
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXXXXXX XXXX XXXX ( XXXX ), ( XXXX ), ( XXXX ), XXXX XXXX ( XXXX )
Product: Debt or credit management

Follow up on previous complaint submitted against Level One Law.XXXX emailed XXXX XXXX XXXX XXXX attorney XXXX who was in charge of setting up and representing my account. I asked her to please address summons. I received a one word sentence I no longer work for Level One Law. In response, I demanded to know who was representing me and that I would take action against her and her previous employer. No one ever reached out to me to let me know this woman no longer works for Level One Law
Product: Debt collection

Lanier collection agency contacted my cell phone withoutmentioning this was a collection agency or this is an attemptto collect a debt. I have saved the voicemail. I have emailed the compancy no response.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX XX/XX/.
Product: Credit card

Is is legal for Citibank/BestBuy to bill its customers and require payment SIX days later? This happened to me, with a Citibank Visa issued through BestBuy. I have the billing notice, received by email XXXX XXXX, 2016, and various correspondence with Citibank and BestBuy. Neither company addressed my direct charge of predatory billing. Nor did they deny it. 

Even if legal, requiring credit card payment 6 days after billing is clearly predatory, automatically greatly increasing the likelihood of late payments. Citibank and BestBuy deserve at least to be embarrassed publicly for their deliberate predatory behavior. 

Why are they are doing this? BestBuy credit cards are activated immediately, in stores, so that people can make credit purchases immediately. I also believe this practice is designed mainly to prey on people who may not have other access to credit but want their electronics. That does not describe me ; I took the card because of an in-store promotion. That does n't matter. Meat eaters are meat eaters, and to Citi and BestBuy, I am just more meat. 

I reported this information to Maryland XXXX, who referred me to the Maryland XXXX, who referred me to you. Neither offered to take any further steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent the credit bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 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.
Product: Debt collection

I am writing to dispute the late payments that have been reported on my credit file. Upon reviewing my credit report, I noticed that there are entries indicating late payments on XXXX  XXXX XXXX for the months of XXXX and XX/XX/year>. I would like to request an investigation into these entries as I believe them to be inaccurate.
Product: Checking or savings account

Tcf bank is double charging on transactions, they deducted the monies at the time of purchase, then when the transaction post, they deduct the funds again. The statements provided are very confusing and do not give full details of each transaction. The online app has already moved the transaction making it very hard to follow. I tried to resolve the issue with the Branch manager asking for copies of all statements but he said he could only retrieve the last 3 months of statements and could only provide the statements that dont show the date of purchase only when payment posted,
Product: Consumer Loan

I have been totally and XXXX since XXXX 2011 and trying to clean up my credit reports, USAA is reporting a vehicle loan of mine as a charge off which is incorrect, I filed bankruptcy in XXXX 2011 but due to my child 's death the bankruptcy was not completed and the court has since vacated the entire bankruptcy. However during the bankruptcy I reaffirmed the vehicle loan and paid the loan in full anyhow. The vehicle loan is being reported as a charge off, which does not even make since considering USAA has the payment only being late 30 days, which is also false however because after the bankruptcy was filed I paid on time and then made a final payoff months prior to the end of the contract.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX {$13000.00} XXXX XXXXBalance : {$1200.00} XXXX XXXX XXXXBalance : {$300.00} XXXX XXXX XXXX XXXXBalance : {$520.00} XXXX  XXXX Balance {$5900.00} XXXX XXXX  XXXX Balance {$1100.00} XXXX XXXX XXXX  XXXXBalance : {$2200.00} XXXX XXXXBalance : {$7300.00} XXXX XXXX XXXX Balance {$310.00} XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered eye and skin cream samples from an online company called XXXX XXXX for {$5.00} and {$4.00}, respectively. I did not see anywhere a commitment to return the produce within 2 18 days, as they claim, or be charged for the samples as well as full price for their product, which the company is claiming. When my credit card came in and I discovered additional charges of {$98.00} by XXXX XXXX and {$89.00} by XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. I contacted my credit card company and disputed the charges. They closed that account and sent me a new card. The next month, I had charges on the new card from the same companies - {$98.00} charged by XXXX XXXX and {$89.00} charged by XXXX XXXX.I definitely did not authorize those charges and disputed them as well. I returned the product by mail to the company address on the package but have not received any kind of refund or acknowledgement from the company. 

In the documents sent to me by CitiCards, XXXX claims to have sent me a refund ( see attachment ) but none has been received. I can not understand the XXXX response. 

I understand that I made a mistake in not reading ALL the fine print but I believe CitiCards is in error by allowing the second set of unauthorized charges to go through onto my replacement card, especially after I had contacted them. I believe it makes CitiCards complicit in the deception propagated by the skin care companies.
Product: Credit card or prepaid card

I recently paid a {$200.00} deposit for my prepaid credit card on XX/XX/20. I am still getting emails stating that my application is incomplete and they need {$200.00} refundable deposit. I have already verified the payment has posted to my account and the money is gone. I spoke to two different representatives at this company who could not confirm if my payment was received or I why I am receiving emails asking for more money. At this point I want my money back the represent stated I would have to wait until my application completed processing and I get my card before this happens. I feel like this company is a FRAUDULENT and Scamming company. They have no contact information listed and the representatives have no idea how to help you!
Product: Checking or savings account

I file a dispute because i did not received any funds from the atm. After that they said that they did and investigation and the said no error has found. Also the don't want to provide me with the proof that they use to investigate. The investigation only took 4 days.
Product: Debt collection

Name ZIONS DEBT HOLDINGS LL Address XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX is stating I owe a security system bill contacted collections company was sent a copy of contract. This is not my account never lived at indicated address. Also the contact phone number and email address is not mine. Finally the name on the contract is not mine This is making a negative impact to my credit score. Please remove never used this service.