23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX, 2016 I wrote a check to Wells Fargo Home Mortgage for the amount of {$1000.00}. The amount was written out in words on the legal line and also in numbers in the amount box. Wells Fargo 's processing center processed the check for {$6000.00} on XXXX XXXX, 2016, which is an additional {$5000.00}. It overdrafted my account. This is a banking error. I contacted XXXX at the XXXX XXXX, PA bank and he reversed the check. It was resubmitted on XXXX XXXX, 2016. I contacted XXXX again and the same scenario occurred. It has since been resubmitted again on XXXX XXXX, XXXX XXXX, and also again today on XXXX XXXX. Every time I contact them to resolve the issue, they do not. I also contacted the home mortgage company and they told me they would charge ME {$35.00} to stop payment on THEIR mistake. I spoke with an attorney at Legal Aid in XXXX County, XXXX. She directly spoke with the bank manager XXXX at XXXX XXXX and he told her it is just a " bandaid '' effect and what he does only lasts for 24 hours. Therefore, it continues to happen over and over. I am beyond frustrated, want to close my account and ca n't because I have no money available, and I also can not get groceries or my XXXX daughter 's XXXX because every time I go to the store, my account is overdrawn and I can not access my fund. No one seems to care, at all, that this is happening. No one resolves the issue. I need legal help and also to file this claim because this has to stop NOW. I am a recent widow on social security and my social security is going to be affected. I 'm also receiving notices in the mail from all the companies I had automatic payments coming out of who I will now have to take the time to argue with to not charge me their overdraft fees and not affect my credit score. Once the credit score is damaged, it 's damaged. There is no reversing that. This is ridiculous!!!
Product: Credit card

American Express Blue Cash Everyday marketed a 3 % cashback offer on US Supermarkets. I signed up for that here in XXXX, Hawaii. In getting my statement I noticed my Supermarket purchases were not accruing 3 % cashback. I called AmEx to ask why and have been told by multiple people in various customer service departments that their managers said our Hawaii supermarket is NOT a US Supermarket! I stated multiple times that Hawaii is the 50th State of the USA and therefore Hawaii markets are US businesses, but same response. I noted my AmEx statement itself describes the store as a " Grocery Store, '' but they insist it 's not a US Supermarket. AmEx should NOT be marketing to Hawaii businesses if AmEx will not recognize Hawaii as a State. 
In addition, since I was signing up for the AmEx Blue card and their flyer said I could transfer a balance and pay it off interest free I did so. But only upon receiving this XXXX 2015 statement do I find they charged me a transfer fee. Their marketing stresses this free balance transfer option and does not clearly state they will apply a 3 % fee which fees misleading to me. And since the balance transfer only showed up on my XXXX 2015 statement I 'm being told it 's too late to cancel the transfer and they wo n't address the transfer fee. If they were clear about the 3 % fee I would n't have used them in the first place as my other cards offer me transfer checks I could use that do n't include a transfer fee and would n't charge me interest either for 18 months or so. If AmEx was clear in their marketing I would n't have used them for this transfer! 
So I was enticed to move to AmEx for 3 % cash back at grocery stores only to find Hawaii does n't seem to count, and it 's now too late to address the balance transfer fee so AmEx gets to take over {$200.00} from me in transfer fees.
Product: Credit reporting

ATTN CFPB : THIS IS NOT A DUPLICATE COMPLAINT, I AM FILING THIS COMPLAINT IN REGARDS TO MY PREVIOUS COMPLAINT. TRANSUNION RESPONDED TO ME THROUGH THE PORTAL, I THEN RESPONDED TO THEM THROUGH THE PORTAL, AS IT IS NOW XXXX XXXX, 2015 I HAVE NOT RECIEVED A RESPONSE FROM TRANSUNION IN REGARDS TO MY RESPONSE. TRANSUNION HAS NOW LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO THEM ACCORDING TO THE FCRA LAWS. THE DISPUTED ITEM OUTLINED IN MY ORIGINAL DISPUTES MUST NOW BE LEGALLY REMOVED FROM MY TRANSUNION CREDIT REPORT. 
I am writing in regards to my original disputes referenced with the CFPB. I have disputed these alleged accounts information as inaccurate with Transunion, and Transunion has come back to me and stated that they were able to verify these alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted each of the creditor listed on my credit report myself and have been unable to get them to verify that these are indeed my debt. 
I have previously enclose copies of my requests for them to Validate my debts, and the receipts showing that I sent these letter certified signature request. These debt are not mine and I was given no evidence of my obligation to pay these alleged debts to the creditor 's listed on my Transunion credit report.. 
The FCRA requires Transunion to VALIDATE the validity of the disputed items within 30 days. If VALIDATION can not be verified, Transunion is obligated by law to remove the disputed items listed in my original dispute. There is a clear case of unverified debt here, and I urge Transunion to remove these items before I am forced to take legal action. 
Transunion has legally failed pursuant to the FCRA, to VALIDATE the disputed items outlined in my original disputes and is continuing to list the illegally disputed items on my credit report I will find it necessary to sue Transunion for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue Transunion in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I would also like to request that a new fully updated copy of my Transunion credit report be mailed to me at the address listed above in this letter. 
As you can see I am keeping a very detailed record of all my correspondences with Transunion. 
I look forward to a speedy resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my credit report and noticed an account that was opened in my name without authorization. I filed a dispute with the credit bureaus and received a verified as accurate response. I contacted the data furnisher and was told that the account is mine and will remain open. I have reason to believe that a proper investigation was not completed for several reasons. 

The date of last activity, date reported, date opened, and payment status is showing different information on my credit report. I have attached a copy showing the inconsistency and erroneous information. 

To add, this account has passed the statute of limitations in the state of Georgia as defined below : In Georgia, the statutes of limitation for a breach of contract claim are : Six years for a written contract ( O.C.G.A. 9-3-24 ). Four years for other express or implied contracts ( O.C.G.A. ) This fraudulent account was opened in XXXX  and has passed the statute of limitation. For all the reasons listed above, I would like this account removed from my credit reports and all files.

To conclude, all derogatory accounts are supposed to be removed from my credit report after seven years and that has passed as well. 

Data Furnisher : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Product: Vehicle loan or lease

sometime around XXXX i fell behind on my car loan due to a medical issue that required XXXX well being a veteran the va is not the easiest hospital to deal with so i was out of work for 2 month on and off after 9 trips to the emergency room i finally had XXXX after finally getting released by my doctor to go back to work which was XX/XX/XXXX i had call SANTANDER CONSUMER USA to see if i could get assistance and i was approved well they told me they was sending documents in the mail and i needed to read them over and sign them and return them ASAP well a couple days went by and i started feeling sick and had to go to the emergency room again and found out i got a XXXX from my XXXX and had to be admitted and given XXXX   when i get released from the hospital a couple days later and once home i called santander back and informed them i have not received anything in the mail and they then and only then told me they sent the documents to my email and i had already told them several times " I DO NOT HAVE INTERNET ACCESS and when i got to a computer at the library and signed into my email account and open that email it was expired and this now is around XX/XX/XXXX and i made my XXXX payment and i have called them every week from XX/XX/XXXX until today asking for that assistance and they keep denying me assistance and they told me because of those payment i missed due to my XXXX there is no assistance and there has been nothing that changed but me putting my phone # on the do not call list cause they was calling me while i was at work and they got me fired and because i put my number on the do not call listen i talked to them 2 times last week on tuesday and on thursday come friday not only did they call my mother telling her my personal finiance business about my car loan but they also called my sister and and did the same thing telling her my personal business and telling them they need to get in touch with me for no reason at all well both my mother and my sister work for the XXXX  XXXX and they are not aloud to use there cell phone and after santander called them they both got wrote up for " unlawfull use of a cell phone '' i never gave them or the dealer neither my mother phone or my sisters #! and every time i have called they give me a different reason why they dont have assistance! i honestly 100 % feel like i am being discriminated against and the way i am disrespected on the phone by them i also feel like i am being harassed and the reason i cant get any assistance is purely out of retaliation! they have nothing in black and white or any guid lines on getting assistance and i was told all they do is sit in a room and review my issue and then say yes or no so its based purely on opinion and after being talked down to i told them i was going to file a complaint and the lady on the phone got smart with me and hung up!
Product: Mortgage

Since Specialized Loan Servicing was assigned this mortgage from XXXX XXXX Bank in XXXX, XXXX, they have claimed that we didn't make the payment that was due XX/XX/XXXX. We have had numerous phone calls with them, and have sent them several written letters with documentation ( bank statements, payment notices, etc. ) concerning this disputed payment. They have even provided me with documentation from XXXX XXXXXXXX XXXX that clearly shows that the payment was made. This mortgage will mature XXXX, XXXX. This issue will further aggravate the dispute of the balance remaining on the mortgage. This dispute may also interfere with the sale of this home. We have recently sent several certified letters with documentation to them concerning this issue. They have been incessant in calling us about what they allege is an overdue payment. We have received over XXXX collection phone calls from Specialized Loan Servicing since this problem began.
Product: Credit card

I would like to invoke : " The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. The Act provides consumers with protection from unfair billing practices such as : *Charges not authorized by the consumer* Charges with the wrong date or amount. 
CHARGES FOR GOODS OR SERVICE THAT WEREN'T DELIVERED. 
On XX/XX/XXXX I made an inquire thru the CFPB with case number XXXX XXXXXXXX. 
It looks CITIBANK doesn't want to protect my rights I stated this because I received 2 contradictory letters from them, One from XX/XX/XXXX, and another one from XX/XX/XXXX. ( Enclosed ) In the letter from XX/XX/XXXX Citibank stated : They are working with the merchant to get a permanent Credit for the charge of {$1000.00}. How ever in its letter from XX/XX/XXXX, They Stated : " The Merchant will not honor our request for credit based on the information you provided '' Since we are unable obtain a compensation from the merchant your account has been rebilled. 

Its Clear to me Citibank doesn't want to pursue its money under the Terms of VISA and the FAIR CREDIT BILLING ACT, they wanted me as consumer to dispute this charge with the merchant, even I fully explained with supporting documentations I had to pay a second Merchant for the defective and incompetent services I received from the 1st merchant, I can not pay twice for the repair of the same Item. 
I'd like to have the CFPB to make Citibank follow the terms and conditions of VISA and to respect and uphold my consumer protection rights I have under the Fair Credit Protection Act, I will cc the FTC on this issue due to the Citibank 's Violation to the Fact Fair Credit Protection Act because I used a VISA CREDIT CARD and as Consumer I do have some protections rights, while this request is pending I will fully dispute the amount of {$1000.00} and I will make liable Citibank if they report this amount to the Credit Agencies to damage my credit also if they initiate any collection activity in regards that Visa Credit Card.
Product: Mortgage

We had a VA loan with XXXX XXXX  paying our homeowners insurance ( our mortgage was sold to mar Cooper ) and Mr Cooper said we had to escrow our insurance for two years. Now in XX/XX/year> our insurance was decreased {$430.00} plus Mr Cooper went up on my mortgage instead of decreasing my payments. I am XXXX XXXX XXXX my husband is XXXX ,100 % XXXX veteran, retired usaf,, we requested to lease our terms as they were before sold to Mr cooper but was told we couldnt pay our insurance Mr has caused emotional and financial damage by increasing our mortgage without notice or cause, our escrow account need to audit ASAP
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX at XXXX, I was sent a payment reminder in the amount of XXXX for an upcoming payment due on XX/XX/XXXX for my account. 
I responded on XX/XX/XXXX immediately stating that I was affected by COVID-19 and was asking for payment arrangements. 
-- My email stated " I'm still affected by COVID-19. I'm trying to reschedule the payments -- -- coming up on XX/XX/XXXX but keep getting kicked out of the system ''. 
On XX/XX/XXXX at XXXX. NetCredit responded confirming that they can definitely assist and asked me to answer a few COVID-19 questions. 

I responded answering the questions. I continued to receive collection email notifications on XX/XX/XXXX, so I contacted NetCredit asking why I was receiving notifications when I responded asking to be set up on a payment arrangement. On XXXX/XXXX/XXXX, Netcredit collections responded as follows " We have notated your account that you have been affected by the Coronavirus, which will be reflected in our credit reporting. The special comment code that reflects that you were impacted by a natural/declared disaster is neutral so it doesn't impact your score. It just lets someone looking at the credit report know that the payment history/account status may be due to your being impacted by a natural/declared disaster, therefore, may not have been able to make payments as scheduled. '' Netcredit also responded on XXXX with the following information " We are sorry to hear about the trying times you are experiencing. I have notated your account with the information you have provided noting the impact of the virus. This notation will allow us to waive any late fees you may incur and will be open on your account for the next 90 days. If your circumstances change within that period or if you are still impacted after 90 days please be sure to reach back out to us. 

on XX/XX/XXXX, I paid the past due amount of XXXX. 
On XX/XX/XXXX, I noticed the credit bureau was updated to report the payments in the payment arrangements as late. I sent an email to NetCredit reporting this issue. They opened a case with their credit bureau department. 

NetCredit requested to receive a copy of my credit reports which I sent on XX/XX/XXXX. NetCredit confirmed receipt. 

On XX/XX/XXXX, I received a response that they were not changing my credit report because the payments were late. I called NetCredit on XX/XX/XXXX and emailed them to advise that I didn't agree with the response and was asking them to only remove the reporting of the payments on those months since I was on a payment plan. I didn't want them to say I was on-time or late. Most other financial loan companies, didn't report any payments ( late or on-time ) if you were on a payment plan due to COVID-19. Their email clearly says that they being on the payment plan would not negatively affect my credit score and that they where only updating the credit report with a flag that I was affected

b y COVID-19. .
Product: Bank account or service

On or about XXXX XXXX, 2016 I received a letter stated that Huntington Bank had not received my mortgage payment on Account No. XXXX. On or about XXXX XXXX, 2016 I visited the XXXX XXXX Branch and met with the Branch Manager XXXX XXXX I presented him copies cancelled checks on both mortgage accounts. He called the account center and after research stated they found record of payment received and could not understand why the late payment letter was generated. 

On of about XXXX XXXX, 2016 received a call from Huntington Representative XXXX XXXX He stated that they had not received my mortgage payment. I explain my meeting with XXXX XXXX. On or about XXXX XXXX, 2016 received a called from Huntington Representative XXXX XXXX, he stated they had not received payment but later changed his allegation and stated they received a payment of {$2000.00} but my mortgage payment amount is {$2300.00}. I emailed a copy of my cancelled check showing Huntington cashed my check on XXXX XXXX, 2016 in the amount of {$2300.00}. My mortgage due date is XXXX XXXX, 2016. 

I have had this account for about 15 years. To the best of my knowledge I have never been late. It appears that Huntington Bank is attempting to jeopardize my excellent credit history so that I will not qualify for a line of credit on another account. 

Copy of cancelled check and mortgage invoice attached.
Product: Credit reporting

I recently filed a complaint with the CFPB about Equifax Consumer Agency refusing to provided me with my consumer credit report. Now, Equifax is falsely stating that I have placed a Fraud Alert on my Credit Report, which is not true at all. Equifax has also notified all the other Credit Consumer Agencies of a false Fraud Alert that I have not submitted at all. Would someone please assist me with this issue please?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am  XXXX   XXXX  military and received permanent change of duty ord ers in 2014. Due to time constraints I had no choice but to select a hardship short sale option as entitled under federal law. Once the sale was final, I continued to receive threatening calls from Green Tree to pay the remaining balance of which I was forgiven. I did not suffer penalty under federal tax laws. I was not informed that the reconciliation would impact my credit and was resolved to the fact that it would n't, as a derogat  ory status did not appear on my credit report for up to a year. I recently discovered that Green Tree submitted my account to collections as there is now a derogatory status from a company called DITECH. I have submitted a dispute to   XXXX   XXXX   XXXX     XXXX   shows the account as settled.
Product: Checking or savings account

In XX/XX/XXXX, I found the promotions at the Citibank website. Earn {$700.00} when you open a new Citi Priority Account and complete the following requirements : With 20 days of opening the account, deposit {$50000.00} new-to-Citibank funds. 
Maintain a minimum balance of {$50000.00} for 60 days from 21 days after opening the account. 
I opened the account on XX/XX/XXXX, deposited {$50000.00} on XX/XX/XXXX and maintained the balance until XX/XX/XXXX. However, I did not get the bonus of {$700.00}. 

On XX/XX/XXXX, I contacted the online customer service staff, who confirmed my qualification for the bonus of {$700.00}. A dispute case with the number of XXXX was set up for the investigation because the value is over {$250.00}. 

On XX/XX/XXXX, the Citibank investigation team responded to me that they are not aware of any promotions offered in conjunction with the opening of my account and can do nothing unless I provide a copy of the promotional documentation. 

The promotions in XXXX were deleted from the Citibank website and replaced by the promotions in XXXX with similar terms. However, the XXXX Citibank promotions were recorded by other financial websites such as XXXX of XXXX, which is still reporting XXXX Citibank promotions. The report by XXXX XXXX on XX/XX/XXXX about XXXX Citibank promotions at the website of XXXX of XXXX received more than 5000 comments. Many comments were about the date of the deposit and bonus. In addition, the Citibank online customer service staff approved my qualification for the bonus of {$700.00}.
Product: Mortgage

To Whom It May Concern regarding loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please correct the payment records for the current amount due, the XXXX payment was made on XX/XX/XXXX, I am attaching payment history and proof from XX/XX/XXXX to present. 
I resumed making payments from the forbearance in XXXX of XXXX, below are the payment dates and amounts. 
XX/XX/XXXX {$1900.00} XX/XX/XXXX {$1900.00} XX/XX/XXXX {$1900.00} XX/XX/XXXX {$1900.00} Starting XX/XX/XXXX modification trial payments, the check dates are the day they cleared the bank XX/XX/XXXX {$1100.00} Check # XXXX XX/XX/XXXX {$1100.00} Check # XXXX XX/XX/XXXX {$1100.00} Check # XXXX XX/XX/XXXX {$1100.00} Check # XXXX XX/XX/XXXX {$1100.00} Check # XXXX XX/XX/XXXX {$2400.00} Cashiers check # XXXX XX/XX/XXXX {$1700.00} Electronic payment The loan modification contract dated XX/XX/XXXX asked for a cashiers check for XXXX and XXXX payments of XXXX each, I called Loss Mitigation and told them I had already paid XXXX for XXXX payment, I was instructed to send in the difference of {$2400.00}, which I did. 
On XX/XX/XXXX I made a payment of {$1700.00} Please correct your records to show my account as current. 
Thank you XXXX XXXX XXXX