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

Last year the weekend of XXXX XXXX, 2015 there was a glitch in their debit mastercards. Customers were charged twice for their purchases. Huntington did go through and refund all the double charges. 
- Some customers like me had checks bounce and payments bounce because of the excess of charges caused the account to go negative. I had to pay Return Check Fees to the merchant 's that were sent back. Huntington refused to cover any other merchant fees. 

Huntington offers a 24 hour grace for checks that may not clear this gives you a chance to go in and get your account caught up. The problem is you do not know if they will give you a chance for the 24 hour grace or not there is no clear guidelines. You are told it is at the Bank 's discretion. I have a disclaimer for the 24 hour grace if XXXX XXXX needs it. 

I have written the Consumer and Financial Protection Bureau because of the excessive fees that Huntington has imposed on my account. In XXXX some of them fees were finally returned. 

Our account has been in good standing and in XXXX I found out that huntington took my account from a " Huntington XXXX account '' to a " Asterisk Free Checking '' without notice or my permission. I have asked why and they can not answer my question. They tried to say it was to save me money. Which makes no sense because I did n't ask to have it changed. I did not want it changed and was not notified that it was changed. 

Then on XXXX XXXX, I found out a check I wrote a week earlier was bounced back. I had {$14.00} in my account and thought the check cleared. The check was for {$35.00} and they sent it back. 
I called and called and tried to find out why I did not get " 24 hour grace '' and asked why? They said it was at bank discretion ( We have had 24 hour grace for larger amounts ). Immediately I paid the Overdraft fee to bring the account current. 

On XXXX XXXX, the check went through again. I was charged another {$37.00} on the same check. 

The problem is Huntington refuses to return any money to me. They say they can not return any money because they credited my account too many times. 

I then asked why I was not offered a 24 hour grace and finally I am told " you overdraft too many times and you are no longer eligible '', I asked why I was not notified? 
The bank 's reply was " We do not have to notify you ''.
Product: Credit card or prepaid card

After returning from a lengthy trip abroad, I promptly notified the credit card company, Capital One, of my new address and phone number. 
However they then froze my account, claiming that me being back in the XXXX was somehow suspicious. 
I've made numerous efforts to resolve their concerns, visited their local headquarters in XXXX, and showed my documents to numerous people at their headquarters, and submitted them via their call center 's web forms as well. 
However they've neglected to restore access to my account. 
They have also refused to refund me a credit balance of around 12 dollars on the account. 
They've refused to tell me the status of a disputed duplicate charge on my account, from a merchant in XXXX, that occurred during the trip, and was promptly disputed. 

And they've been failing to assist me on phone calls now, insisting that they will put me on hold to transfer me, but not transferring me, leaving me on hold for periods of 40 minutes, 132 minutes, 116 minutes, and seemingly simply waiting for the call to get disconnected rather than even make a meaningful effort to assist. 

I have submitted them so much documentation, taken my time, and gas to travel to their headquarters building, and still received no answer as to just what their reason is to make things inordinately difficult. Are they doing it as some routinely poor customer service, or is it do to any particular political activity that I may have been associated with or associated with in the past? 

If I was withholding XXXX dollars from them, for such a length of time, I'd surely hear no end to their dis-satisfaction, but hypocritcally, Capital One has been denying me my refund check, and has failed to inform me of the status or outcome of the disputed duplicate charge from the merchant in XXXX.
Product: Debt collection

XXXX XXXX has violated my rights in regards to Metro 2 complaince. According to 15USC1592C XXXX has violated my rights by unlawful communications. Please remove this collection off of my credit reports and all major bureaus. If you are otherwise looking to prove this debt as mine, I am further requesting debt validation and EVERY assignment contract in relation to this debt. Further, Please provide licensing that proves that you are licensed to collect debt in the State of Nevada. Further I am requesting ( 1 ) Name and Address of Original Creditor ; ( 2 ) Copy of Payment History ; ( 3 ) Copy of the original signed contract ; ( 4 ) Proof of collection Authorization. If you are unable to provide such documentation with 15 days, please immediately remove these accounts. 

ftc report provided listing this account as unauthorized account. please remove previously reported this account.
Product: Credit card or prepaid card

While travelling I purchased some food at an airport XXXX  prior to boarding my plane. This purchase was on XX/XX/2021 for {$15.00}. Time was tight so I had to rush to the plane and did not check what was in the food bag until the plane was already taxiing on the runway. At that time, I discovered that I was missing ~1/2 of the food that I ordered. 

I called Capital One in early XXXX ( unsure of exact date ) to file a dispute. The person I spoke with said they would be sending out some paperwork that I would need to fill out to complete the dispute. I never received this paperwork ( and I have USPS informed delivery so was able to confirm by looking at images of all the mail that came by way ). 

A few days ago ( XX/XX/XXXX ), the original charge was reposted so I called back to see what the problem was. The person I spoke with told me to write up something in XXXX that details the situation and upload to the online system. I promptly typed it up and loaded into the online system. 

Today, I received online correspondence that they were declining my claim for not providing the requested information ( I provided exactly what was asked when I spoke to the service agent a couple days ago ). I called in again today to see what the problem was and how to resolve it. They sent me a link to an additional information document that I've now filled out and uploaded again. 

So now, it's ~1 month since the disputed charge. I've spoken to 3 different people and uploaded 5 different documents. I feel this is an extremely unreasonable amount of effort and hassle for a charge that was < {$20.00}. I've had far easier dispute processes with literally every other bank that I've worked with and those included amounts that were significantly larger.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from JP Morgan Chase dated XX/XX/2020 stating that they have decided to not open an account for me. I never applied for any " account '' with JP Morgan Chase and there is no phone number to contact anyone. The mailing address on this letter is also incorrect which leads me to believe this may be fraud. This is very concerning and I do not want my credit affected. The letter states that they used my credit score in making their decision and I should contact XXXX and  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DSNB/Macys is reporting a late payment to my Credit Bureau report which is incorrect as I had paid off all my balance in full for that month after speaking with the Customer Service before travelling. After I returned back to the US, I saw a charge of few cents and a late payment applied to it. I had called customer service right then and it was resolved as they refunded the charge along with late payment considering inaccurate and no action was needed from my end. However, it was reported to the Credit Bureaus as a late payment after a month and I see a remark on my credit bureau reflecting XXXX payment which affects my credit score and payment history negatively. 
I have 100 % payment history and a very responsible borrower but this is affecting my credit negatively and should be removed/deleted. I tried calling Macy 's customer service and they do not seem to have any information about this and see my account in good standing. 
My account is open since XX/XX/XXXX and the late payment that is affecting my score is from XX/XX/XXXX.
Product: Mortgage

I started a loan modification in XXXX of XXXX and made the payments and returned paperwork. I paid XXXX, XXXX, XXXX, XXXX, XXXX, XXXX payment in XXXX. I called to find out what was going on multiple times each time they said they just need payment to clear to get underwriting done. Each time I called the next month and the same story. XXXX comes and I call again. They said the modification was denied due to paperwork was not returned or expired. Which it was returned in XXXX. They told me to reapply which I did but they denied with no reason.
Product: Credit card or prepaid card

I applied for a CareCredit card from Synchrony Bank with a XXXX limit in XXXX and borrowed XXXX with a promotional offer that said no interest if paid off in 6 months. I paid it off in XXXX several week in advance of 6 months. however my account shows XXXX of accrued interest. When i called to complain they indicated promotion was only for the first {$500.00} borrowed and i was required to pay the interest. This was extremely deceptive. The only reason i used this card was for the promotional offer. Spoke with Supervisor XXXX employee ID XXXX who indicated there was nothing they could do.
Product: Debt collection

At XXXXXXXX XXXX on XX/XX/XXXX I received a text message asking me to contact them regarding a debt collection. It was not a normal text message. It was sort of a picture message. It said contact MRS Assoc. Regarding a XXXX XXXX matter at XXXX XXXX XXXX XXXX. MRS is a debt collector. If XXXX is associated with XXXX XXXX then I am very confused. I dont have XXXX XXXX. I called the first time, prompted for customer service, waited forever, then a robo told me to call back during regular business hours. This was at XXXXXXXX XXXX ( Regular business hours ). So I called right back and prompted to make payment in hopes it would actually connect me with someone. When she got on the phone I explained I received this text about debt collection. She asked if anybody else regularly uses my phone. I said no. She then said something along the lines of, it appears to be a mistake and that she is sorry for the confusion and then she rambled some number off then hung up. Seeing as I didn't give ANY personal information other than my first name it seemed super sketchy she said what she did and just hung up. The way I received the message was weird. Everything about this interaction and situation was really weird and made me uneasy. If this is a legit company I would like an explanation of what is going on, and why I was contacted in the first place.
Product: Mortgage

I am about to have a hard time paying my mortgage payments. I am XXXX so I had where I was XXXX XXXX for people. but since our country is in this mess with the pandemic people are just spending money for this right now. I have a loan modification on my house but they gave me a interest rate of 5.125 %. I have told the mortgage that I have lost some income. I have ask them if they could adjust my loan and lower my interest since the interest rate today is so low. They just say no. They gave me no reason or willing to answer my questions about it just said no. But the mortgage company sent out letters saying they are willing to help people with their mortgage since we are in this pandemic. I have tried to talk to someone beside just a representative thinking maybe that they have more to do with the loans. But I just get a answer machine I leave a message about my loan no one calls me back. I know I will not be able to make my payments I have used all the money that I had. My XXXX check is not enough to pay the payment. That is all the income I have. I have things posted to sell if they sell I will have some money. I am willing to sell anything that I have to keep my home. My husband passed away with a XXXX XXXX. 
So I only have my income. I just need someone to help me. I have no family. It is just me and I don't know what to do. If you can help in any way I would be grateful. Thank You.
Product: Mortgage

This is a follow-up to CFPB complaint # [ XXXX ] which failed to achieve resolution. 

Timeline of Issues : XX/XX/XXXX : Initially received HELOC card Card stopped working unexpectedly Following bank 's instructions, shredded card when promised replacement Multiple promises of replacement cards never fulfilled XXXX check transactions documented ( XX/XX/XXXX and XX/XX/XXXX ) due to lack of card access Bank 's Own Response Confirms Issues : Multiple documented calls XXXX XXXX about card problems Pattern of cards 'opened ' in system but never received : Card ending in XXXX and XXXX were opened/closed Card ending in XXXX was opened XX/XX/XXXX and closed in XX/XX/XXXX Card ending in XXXX was opened XX/XX/XXXX and closed in XX/XX/XXXX Card ending in XXXX was opened XX/XX/XXXX No tracking numbers or delivery confirmation ever provided No cards actually received despite system showing 'opened ' status The bank 's response cites alternative access methods that are impractical or unavailable : Credit Card Access : Referenced as an option but no working card provided.

Branch/ATM Access : No U.S. Bank branches or ATMs in my area. Nearest location unreasonably distant.

Online Banking : Can not make purchases directly via online banking. 
Special Checks : Only remaining option, impractical and, not accepted by many merchants. 

Financial Impact : Paying interest while having restricted access Limited to checks when card access was promised Negative credit reporting from XXXX XXXX Interest charges continue during documented access problems Unable to use HELOC as intended due to access restrictions Previous Resolution Attempt Failed : Bank acknowledged XXXX about card issues Provided only generic phone numbers No resolution offered No compensation for service failures No correction of credit reporting No proof of card deliveries Requesting : Remove negative credit reporting during access issues Refund interest charged during restricted access Either provide guaranteed card delivery with tracking or allow account closure with interest refund Compensation for documented service failures Full transaction history showing card usage gaps
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, resulting in ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX  XXXX XXXX XXXX XX/XX/year>2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX  XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$2800.00} XXXX XX/XX/year>2022 XXXX XX/XX/year>2022 XXXX XX/XX/year>2022 XXXX XXXX XXXX XX/XX/year>2022 XXXX  XXXX XXXX Balance : {$710.00} XXXX  XXXX Balance : {$2000.00} XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$1000.00}.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX  - The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; CXXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Federal Suit XXXX XXXX FOR PRELIMINARY INJUNCTION AND TEMPORARY RESTRAINING ORDER pursuant to the Notice to Occupant of Pending Acquisition ( NOPA ) issued under XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX was issued based on fraudulent and unlawful practices by Defendants, including : Violations of HUD Federal Mortgage Servicing Rules, including failure to comply with required loss mitigation procedures. 

Deceptive practices and unlawful foreclosure actions, as documented in Plaintiffs FBI report. 

These actions violate Plaintiffs rights as a borrower under XXXX XXXX and federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing my 3 student loan accounts as in collections. These accounts have been paid in full. The US department of education,XX/XX/XXXX and XX/XX/XXXX have all reported as accounts paid in full. XX/XX/XXXX and XX/XX/XXXX both show as paid in full. The dispute resolutions group of Equifax state that the information provided does not give them the information they need to change my credit account. I have logs from XX/XX/XXXXstating that Equifax has reached out to them and had the XX/XX/XXXX balance verified. Equifax is refusing to resolve this even though all the documentation has been provided
Product: Credit reporting or other personal consumer reports

I have contacted all 3 bureaus and informed them all that XXXX. XXXX XXXX is a charge off.account and according to FCRA 15 US Code 1691eb that I have not received a 1099 for it also they have written it off on their taxes. So it is illegal to remain on my credit report. It must be removed immediately. 
XXXX XXXX XXXX has claimed over and over that it is mine. They have shown no proof at all. They just keep stating its mine along with stating its closed but it's still appearing open and if it is closed it is considered charged off and has not been given proper information to show it is charged off anything. 
XXXX. XXXX was proven to not be mine and removed from my credit report. Then they claimed it was mine so they reinserted it without proof that it is mine. Along with it's a charge off account and FCRA 15 us Code 1681eb I didn't receive a 1099 and I know they were able to write off on taxes. 


These illegal practices need to be handled ASAP or I'll gladly take this way beyond small claims I'll take this federal because this is illegal and messing up my livelihood. So these items need to be removed immediately!