23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My Huntington Bank standby cash account was disabled under constantly-shifting terms. 

I met the stated requirements to access my standby cash/credit line, per multiple official correspondences from Huntington Bank . It took 4 employees almost 2 hours to discover that a term of service had shifted regarding recency of overdraft charges and standby cash. It took a team of 4 employees to figure out a service term had changed. They work there and couldn't figure it out - How is a consumer expected to be informed? 

The result is that I am not able to access my own credit line, but they still collect interest on my balance. 

Timeline of my attempts to remedy the problem with Huntington directly : XX/XX/2021 - XXXX XXXX I was transferred via customer service phone line to XXXX XXXX, customer service supervisor. XXXX XXXX read me a Terms-Of-Service document about interest accrual, then said I didn't pay my standby cash balance. 

I have proof I did. She put me back on hold " to do research. '' I stated repeatedly that I only wanted to use the standby cash I was told I have access to. 

XXXX said that none of the information I presented her with was true ( this was a lie, I would later find ). 


XX/XX/2021 - XXXXXXXX XXXX On XXXX, XXXX DM 'd a complaint to Huntington Bank. XXXX, their service rep, referred me to a private secure chat line with Huntington Bank. 


XX/XX/2021 - XXXX XXXX  A customer service rep, XXXX, finally informed me that a new term of service disabled my standby cash for at least a few business days. I asked if there was any way to override this new term and was told no. I pointed out that they would continue to accrue interest on my remaining balance while refusing me access to my own credit line. XXXX apologized and offered no remedy.
Product: Debt collection

Around XX/XX/XXXX my wife and I lost all our income except Social Security. A consulting company I worked for lost a client I was handling..This was a $ XXXX. a month loss in our income. Prior to that my credit score was XXXX. That was the first time my Mortgage payment was ever late. Also prior to that time we lost about {$700000.00}. in a XXXX Scam .The principal is currently in jail and all our cushion was gone, this was XX/XX/XXXX. In that amount was % XXXX in my wife 's pension money he was managing. During this same time my wife was diagnosed with XXXX. 
We have lived in this home from XX/XX/XXXX and would like to save it. My servicer is SPS Inc.. I have some XXXX '' of paperwork they keep asking for the same thing over and over again.. We literally had not enough money to live on. As proud as I was I went for fuel help and food assistance. Now I have a full time job in the city I live in and we have combined income of about XXXX a month. Again I have asked SPS for help in Mortgage assistance and now they tell me while they review another set of documents the are going to begin the process taking my home. My credit score is up to XXXX from a low of XXXX. I have made my mortgage payment for the past 6 months of XXXX per month and have set up payment programs to get my head above water. The rate of interest is 6.375 % if they lowered the rate It would all help. That interest is in the XXXX the rate on the XXXX is XXXX and yet the first and second add a late fee each month. The value of my single family home is {$370000.00} and I have a XXXX balance of {$160000.00} including the arrears and a XXXX mtg. of XXXX thats a XXXX % ratio. Why ca n't they help me. I have now been working full time from XXXX XXXX for the City of XXXX. Plus I am on Boards that through off additional Income. I could have filed bankrupt and wiped all the unsecured debt out but instead I hoped to struggle a bit and move on. Please help. SPS has only continued to cost me money in tile and more paperwork than I feel they really needed. I worked as a Senior Mortgage officer for over 20 years and if I on anyone working for me treated our customer like this they would have been fired by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # 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 In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 reporting or other personal consumer reports

Social security number is XXXX  My complaint is that XXXX  has not removed the two negative items that are fraud I filed a federal trade commission identity theft report on file the credit collection is fraud and other negative item last four of account is XXXX also normally XXXX  will delete the accounts if theirs is a federal trade commission identity theft report on file please have XXXX  remove the negative items and regarding XXXX XXXX their is three negative it's on my file it supposed to be removed and the XXXX XXXX filed to be suppressed. And regarding equifax theirs one negative item that's 60 days lates it supposed to be removed from my equifax Credit report theirs a federal trade commission identity theft report on file
Product: Credit reporting

After a week long battle between " XXXX '' companies in which XXXX of them " XXXX '' ( CREDIT CARD COMPANY ) and the other " ENHANCED XXXX ( DEBT COLLECTOR FROM PREVIOUS PAID DEBT ) i had been involved in. 

The XXXX accounts seem to have been fixed as of Last evening at XXXX when i checked my credit report/score. 

Upon checking this my credit score which had previously dropped " XXXX '' points a week earlier seemed to have been worked out. 

I check the same credit report/score ( XXXX CREDIT TRACKER ) My score had dropped another " XXXX '' points due to either XXXX/Credit agencies not leaving things the way they were supposed to be left or a mistake was made with " XXXX '' when attempting to fix this issue! 

Enclosed doc 's. 
PLEASE HELP!!! 
XXXX obtained as of this moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early XX/XX/2022 my JPM Chase banker informed me of a grant program offered by Chase when I shared our grassroot events, projects and programs. He soon introduced me to XXXX XXXX XXXX at the Chase branch, XXXX XXXX XXXX, XXXX, TX XXXX. I met her via phone and I soon delivered documents on our non-profit and summary of our projects, programs, etc. XX/XX/2022. However, on XX/XX/XXXX XXXX XXXX emailed that Chase would not be able to sponsor at this time as the projects do not meet four pillars criteria. I asked why she had not provided in advance the pillars, and requested she provide them to me. XXXX XXXX I responded that we are eligible for all the pillars after having reviewed them ; and affordable housing surely one of our priorities. XXXX XXXX she responded she would make some connections to support our affordable housing. No response after we provided the information to XXXX XXXX so I emailed her XX/XX/2022 asking how much longer before hearing from her on our proposed projects for funding by Chase. No word from XXXX XXXX so another request for an update was emailed her XX/XX/XXXX. Still no response so XX/XX/XXXX we received response to our concerned letter to Chase about XXXX XXXX. XXXX XXXX in central giving for Chase is who I spoke to and forwarded copies of our emails to XXXX XXXX. No response from XXXX XXXX ( XX/XX/2022 ) despite email to her today. Chase customer care took our concern but admitted nothing they could do. Corporate Chase did nothing. Federal Reserve contacted and instructed I contact CFPB and file this complaint. Chase ads seen in various newspapers in XXXX, Texas about millions it has to give to disadvantaged neighborhoods, small businesses, etc., yet, we are met with only blockades to receive funding.
Product: Debt collection

Jefferson Capital keeps re-aging an old XXXX account which was never owed! I have XXXX  XXXX  for decades. This is fraudulent activity.
Product: Credit reporting or other personal consumer reports

NOTICE TO CEASE AND DESIST XXXX XXXX XXXX  shall remove the listed fraudulent and misleading account below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX. Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX. You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated XXXX XXXX XXXX, and you can also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Product: Mortgage

In XXXX of XXXX I was no longer in bankruptcy. I contacted CMG mortgage to try and get a forbearance. I was told there was paperwork I had to fill out through a website that I was sent. In XXXX I was sent a letter stating that they had not received my pay information and I had until XX/XX/XXXX to turn in the information. I logged back on to the website. I realized that I had not hit the submit button. I received a denial letter XX/XX/XXXX stating I did not make enough to cover the loan. I contacted CMG mortgage and asked why was I told I could not afford the mortgage when I was making the payments. The customer service rep I had talked to said that they had not received my paystubs. I then asked if you had not received the pay information how could I be denied? She suggested that I apply again. I applied again and I have submitted all the information through the web portal. The web portal is now stating that I am missing documents, but it does not say which ones. It says general documents. I called and was told to fill out the application again. I am assuming that they are trying to adjust my original loan amount, but my original loan was not done correctly as a veteran that paid to have my points adjusted should not have had a XXXX % mortgage rate in XXXX when the loan rates were as low as XXXX % for VA loans. 

There is also an issue of that some of my payments went to the principal balance and I have tried numerous times to get this fixed. The bankruptcy trustee was sending multiple payments during the months. So, any extra payments would go directly to the principal and interest not to the normal monthly payment. The last person I talked to in XX/XX/XXXX told me that there wasn't an issue with the payments from the bankruptcy department, and that I am missing payments from XX/XX/XXXX till now. I Believe that payments that were submitted by my bankruptcy were not applied correctly. And if my account could be audited, I will not be delinquent 6 months as the mortgage company is stating. Which then means I would not need a forbearance or help of any kind for my home Also I have some documents that were to being and PDF 's that I could not upload.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, baed on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX
Product: Mortgage

We had our Mortgage with XXXX XXXX and enjoyed visiting Branchs to make payments and ask questions. Then XXXX XXXX sold Mortgages to M & T Bank who has no branch ib our city. Whenever we call we are sent to different departments and after a half hour we are still without an answer. On XX/XX/XXXX of 2021 we mailed checks to three places. Two were cashed normally. M & T waited Util the end of XXXX and then assesed a late charge. I made a online payment of the XXXX payment and thje next day I did the same for the XXXX Payment. In the middle of XXXX, they found the XXXX check and tried to cash it Twice! I keep enough money in my account to cover bills so we got two {$35.00} doller fees for insufficient funds. I complained to M & T a week ago and I have had no response. I shopped for a good refinance deal and could not find one. M & T did send me a email that stated that the Post Office was slow due to the Pandemic. I believe that a bank should not be able to sell a mortgage without the mortgage holders permission. I also believe that M & T should lose their licence.
Product: Credit reporting, credit repair services, or other personal consumer reports

NMAC ( XXXX XXXX XXXX ) On XX/XX/2017 I had to change my checking account number. I had recurring payments set up through NMAC site. I properly changed my checking account info. Nissan failed to afford me the option of re-enrolling in recurring payments. Without having been notified that my recurring payments ceased, I unintentionally missed my XX/XX/17 due date payment. As a result, my payment was 31 days late. Nissan refused to remove the late payment from my credit report, citing that the information provided is accurate and therefore will not be removed. Nissans poorly designed payment platform caused me to miss my payment and I was provided with no reminder or warning that my recurring payment had ceased and needed to be set up again in order to make an on time payment. I am requesting assistance as a consumer due to this unfair and rather negligent practice.
Product: Checking or savings account

I am a victim of identity theft, I started receiving letters and statements from banks saying that they opened the account for me I also received letters saying that they need additional information from me to complete the account opening. 
I only have 1 checking account with XXXX XXXX and I have not authorized anyone to open accounts for me. I placed a consumer statement on my credit report on XX/XX/XXXX. I completed a Financial Crime Report with XXXX Police Station on XX/XX/XXXX. 
I have received letters from banks/card companies : XXXX XXXX XXXX attempted to open account XXXX XXXX - 3 account opened XXXX - attempted to open account XXXX XXXX - declined credit card XXXX XXXX XXXX - accounts were opened XXXX XXXX - 2 opened accounts XXXX XXXX- I received a debit card in the mail XXXXXXXX XXXX- I received 2 credit/debit cards XXXX - account opened on XX/XX/XXXX XXXX XXXX XXXX - Inquiry on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX - Inquiry on XX/XX/XXXX XXXX XXXX Consolidated XXXX Inquiry on XX/XX/XXXX XXXX  XXXX XXXX Inquiry on XX/XX/XXXX These are the banks/credit card companies that have contacted me, if i get more letters from different companies, I will notify you by submitting another complaint. 

I would like the companies listed above to close out the unauthorized accounts and remove any inquiries placed on my credit report. I want letters sent to me stating that the closures have been processed and my credit restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account on my credit report in XX/XX/XXXX from a Nordstrom/TD Bank USA . I notice it was a couple of late payments and it looked like it had been opened since XXXX of XXXX. I didn't know about this because I don't have credit monitoring services. I contacted Nordstrom on XX/XX/XXXX but I was told by customer service I would have to send in a fraud affidavit with the fraudulent information because I didn't have the account information. I sent over my fraud affidavit along with a copy of my ID and a letter explaining I was a victim of Identity theft, it was received by the credit bureaus on XX/XX/XXXX and was verified as accurate on XX/XX/XXXX. I never received anything from Nordstrom, not a phone call or a letter. On XX/XX/XXXX, I sent the same documents over to the bureaus and on XX/XX/XXXX, the account came back verified again and the same thing, nothing from Nordstrom. On XX/XX/XXXX I sent the same documents again to the credit bureaus and Nordstrom verified the account as accurate on XX/XX/XXXX. I am now sending documents directly to Nordstrom and filing a complaint because I don't know exactly what to do at this point. It is hurting my credit score and hindering me from obtaining any kind of credit at this point.
Product: Credit reporting or other personal consumer reports

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 


Please make a further review on the following inquiries ; XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX  XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this account that is not mine and i want it to be removed. 

1. Identity Theft XXXX AND XXXX  Account Number : XXXX This is not mine.
Product: Debt collection

My place of employment received a call from a XXXX from Worldwide Recoveries , LLC, telling my secretary that I was going to be served legal papers at work that day unless I called them back. I called, and XXXX never disclosed that it was a call from a debt collector at any point during the conversation. He proceeded to inform me that I had allegedly taken out a loan from XXXX ( which is not licensed to loan in WA, where I live ) for {$400.00}, which is now somehow {$1100.00}. I told him I was not aware of this and demanded verification of the debt. He then told me I was just trying to stall and that I would be served papers that day at work and sued and my wages garnished if I did n't pay immediately, because " it 's really easy to get wage garnishment in Washington ''. A few days later, I got a " settlement offer '' letter in the mail. This letter claims that I authorized a payment to be taken from my bank account ( I never authorized anything, nor did I give them my baking information ) and the letter claims that if payment is n't made they 'll revoke their " offer ''. They did not send verification of the debt, nor did they provide their professional license number to collect in Washington State as I requested. They are using illegal collection tactics : Calling me at work after they 've been told not to, disclosing information to my employer, threatening to show up at my work to serve me immediately, threatening to garnish my wages without notice and calling me repeatedly to harass, intimidate and threaten me, and sending a letter saying they are taking money from my account which I never authorized. They continue to call after a cease and desist letter was sent to them, and after I requested a verification of the debt - by law, they can not contact me again until they have done so.