23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

hi, I have reached out to LOANCARE LLC and requested a manager. An escalation ticket was put in they system. The manager advised me that the issue would be taken care of within 7 days and that someone will reach out to me directly with the status. We have a past due property tax bill that was due XX/XX/XXXX. The town did not reach out to us until XX/XX/XXXX. It was then that we received a final notice. I have called LOANCARE multiple times and each time I am given a different date as to when this matter will be resolved. As of today our property tax bill has not been paid. No one has reached out to us. I have called multiple times on this issue and it has not been resolved. I even emailed their customer service team about other issues and never receive a response back. Their customer service is terrible. Have you on hold forever and never respond to emails. We would like our tax bill paid out of our escrow account as it should of been paid last year asap. L
Product: Checking or savings account

I opened Huntington bank checking account in XX/XX/2021 when they advertised {$150.00} opening bonus for direct depositing {$1000.00} or more to the account. I met this requirement with direct deposit of {$2000.00} on XX/XX/2021. However, I have not received the opening bonus yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refused to allow me to further dispute several collections on my credit. Irregardless of the claims or reason behind the claims. Equifax and XXXX dispute has been denied as well. After going on websites though portal. Still denied.
Product: Debt collection

Dear Midland Credit Mgt ; XXXX XXXX ; cfpb ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX  submitted me a contract of a vehicle loan under complaint XXXX-XXXX  this proves absolutely nothing and does not provide me with the documentation of FACTA 312 or UCC DEFICENCY INFORMATION AT ALL. I have attached exactly what documentation that needs to be provided or this will have to be taken further. Under UCC DEFICENCY this information was/is suppose to be provided to me as the consumer. Please see attached request. If this information can not be be provided then this needs to be REMOVED from my credit report because at that point XXXX XXXX is in direct violation of the laws. 

Thank You
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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, based 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. 

and according to 15 USC 1681s-2 they are suppose to 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 cancelled my auto policy with XXXX XXXX XXXX on or about XX/XX/20. In the following months, they proceeded to continue trying to charge me for premiums and turned my account over to a collection agency CCS COLLECTIONS. I disputed the debt. with XXXX XXXX successfully but XXXX  is still reporting it and my attempt to dispute was unsuccessful. When I contacted XXXX XXXX directly, I was transferred repeatedly to different operators and eventually hung up on.
Product: Mortgage

I requested that the home owner 's insurance be removed from my escrow account on XX/XX/XXXX. I was denied indicating that my loan to value is over 80 %. I called customer service asking for someone to look at this again whereas it is not possible that my loan to value is over 80 %- it was not on the initial loan or the subsequent refinance. ( I had no mortgage insurance either ). 
The refinance automated valuation was even higher than the appraisal which was completed in XX/XX/XXXX ( value of XXXX ). The new loan amount in XX/XX/XXXX was for XXXX - therefore even if they used the old appraisal value of XXXX - the loan to value would have been XXXX and the automated value at the time of XX/XX/XXXX refinance was higher. 

I have never been late on my payments- there is no reason I should have been denied for this request.
Product: Debt collection

In XXXX of 2020 someone kept calling me posing as a process server asking me to confirm personal information and implying that there is a Court filing against me, the person was elusive as to who they worked for, however I linked the call to Afini Inc collection agency Th is person continued to call and threatened to go to my place of employment and my home. 
The debt they are trying to collect on is for {$250.00} and the original creditor is XXXX. 
Shortly after the seventh phone call the debt appeared on my credit report In XX/XX/2020 I sent a cease and desist letter, after Afini, Inc received my letter. As a retaliatory act - the company flagged the account as a grid code G to significantly damage my credit. 

The above mentioned collection agency acquired this debt from another collection agency of which I filed a formal complaint against for harassment and failure to validate the debt as a result the debt was removed from my credit.
Product: Debt collection

I've sent multiple letters to XXXX, XXXX, XXXX regarding accounts, Date Opened : XX/XX/XXXX Balance : {$2000.00} Date XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX Balance : {$180.00} Date Opened : XX/XX/XXXX Balance : {$1600.00} They are reporting inaccurate information on my credit report. I have asked them to investigate the items on the accounts that's inaccurate, or unverifiable and they have failed to resound to my letters. It has been 45 days with no responds.
Product: Debt collection

LVNV funding did not Give notice that I can dispute the debt, This junk debt buyer parked a collection account illegally on my consumer reports, I have never done business with LVNV Funding I have No contract with LVNV Funding. This company has violated setion 623 of the fair credit reporting act and Federal debt collection practice act ( FDCPA ) section 1692j LVNV has harm my abilty to obtain credit at a low interest rate. I ; m in the process of purchasing a home for my Family.
Product: Credit card

Hi, I believe I am covered under the CFPB settlement with JP Morgan/Chase regarding Credit Card debt sold and filed as a suit between XXXX and XXXX. My credit card debt was sold by Chase to XXXX XXXX XXXX who filed suit in XXXX Court of Calitornia - XXXX XXXX XXXX Case # XXXX ) against me in XXXX. At the time of the suit it was time barred by over 1 year. The suit was filed XXXX XXXX, XXXX and the last activity on the card was XXXX XXXX. The suit went on for 3 years and 1 week before this settlement a judgement was entered against me for over {$19000.00}. The Judge ruled that Chase could n't produce a cardholder agreement and therefore the time bar ( 3 years from last charge ) could n't apply. I have read the CFPB settlement and my case fits the settlement. However, I have n't been able to locate a way to be included in the group. 
I am prepared to appeal the Judge ruling but given the outcome of this settlement believe JP Morgan is responsible.
Product: Mortgage

I purchased a property using US Bank as my lender many years ago. We fail on hard times fraught with medical issues and were unable to keep our property. They foreclosed on my property XXXX XXXX XXXX XXXX NE XXXX XXXX XXXX, XXXX and the property was sold on XXXX XXXX, XXXX for more than the amount owed on the property. US Bank paid off the first mortgage and forgot to pay off the second mortgage # XXXX also through US Bank. US Bank harassed me from the date the property was sold and still are. They have even gone as far as to contact my Insurance Company demanding I have property insurance on a property they themselves sold. They would call me almost every single day and I have talked to many of representatives explaining the same thing that I do n't owe US Bank any money and why. Finally, I received a letter from US Bank XXXX XXXX, XXXX Stating that the second loan would be removed from the system at the end of the year. The XXXX XXXX was XXXX XXXX from the XXXX XXXX Department. I followed up with US Bank and was told due to an Error on their part is why I had to wait until the end of the year. In the meanwhile, US Bank has been reporting delinquent payments to the 3 major Credit Bureaus. When I contact US Bank they tell me that I owe this money they can only go on whats filed and keep requesting I set up a payment arrangement to settle the account. 

Not only do I want my credit fixed and the loan to be removed but I am seriously concerned about any other US Bank Customers. There is obviously a huge issue in their policies and procedures and a huge loss of communication. Basically, they are sloppy. How does a bank try to get insurance on a home they themselves sold? Forget to pay their own loan? Report derogatory credit on a settled account. I feel it is imperative that these policies and procedures are looked at through a microscope. 

I also request an apology letter.
Product: Debt collection

XXXX. XXXX phone calls daily, starting at XXXX XXXX, going til XXXX 
I have XXXX numbers blocked from this agency. 
XXXX. Mostly recordings, that fill up voicemailXXXX. Reps are VERY rude and threaten legal action, wage garnishments, and loss of employment if I do not pay. 
XXXX. No paper correspondence has been sent to me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. On my report, a late payment in XX/XX/year> for WestLake Financial Auto Loan was indeed paid on time. It's come to my notice that the missed payment on my record could hurt my ability to qualify for new credit. I trust that my previous actions do not reflect my creditworthiness and commitment to repaying my debts. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I'm now requesting you investigate this account and update these payments to be paid on time immediately. It would be a kind gesture if you could grant me a second chance and make goodwill in removing the late payment in XX/XX/year>. Thank you for your understanding and prompt action.
Product: Debt collection

This was done by my family who works at XXXX owned by XXXX XXXX. They added lines to my account t and left me hanging.
Product: Payday loan, title loan, personal loan, or advance loan

To Whom It May Concern : I am writing to formally complain about West Creek Financial Holding Inc DBA Koalafi for levying unauthorized charges from my bank account after I made an early payoff on my account. 
On XX/XX/year>, I made an early payoff of my loan account with Koalafi. The total payoff amount was {$100.00} However, after the payoff, I noticed an unauthorized charge of {$150.00} from my checking account at XXXX XXXX Bank. I contacted Koalafi Customer Service on XX/XX/year> when I noticed the unauthorized amount of {$150.00}. The customer service representative was very uncooperative with assisting me with the matter and denied my request to speak with a supervisor. 
I disputed the charge of {$150.00} that came out of my checking account with XXXX XXXXXXXX XXXX after the payoff amount of {$100.00}. Now Koalafi has sent me an email stating that I owe them {$54.00} and that payment is late as of XX/XX/year>. I will be attaching receipts to prove that I owe this company no additional monies. 
Despite my explanation, Koalafi has refused to acknowledge their wrong doing. I believe this is an unfair and deceptive business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been used to attempt to open credit cards and lease vehicles all in Ohio starting in the beginning of XXXX ( XX/XX/22 ). To my knowledge, two have been successful. One for XXXX XXXX Bank for the amount of {$56000.00}. I've since been able to have this successfully removed after reaching out to their Identity Theft Team. The second is from Capital One for the amount of {$49000.00}. This one is still posted to my credit report as of today. In addition there are XXXX other inquiries posted on my credit report, none of which are mine from numerous companies. I've contacted them all to find out what steps need to be taken to get these inquiries removed. I've filed disputes with all 3 credit bureaus.
Product: Student loan

AidVantage ( Maximus Education XXXX ) approved my Federal Student Loan Consolidation application on XX/XX/year>, but has still yet to fund the loan. XXXX is of the essence, and it has already been nearly XXXX since they approved the loan, and XXXX since my application was fully submitted. The United States Department of Education will *NOT* allow me to pick a new lender, so I am stuck with AidVantage ( Maximus Education XXXX XXXX XXXX but they refuse to fund the loan they've approved me for.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

I spoke to a so called agent and gave my information and then was told that they were hanging up on me mid conversation.
Product: Debt collection

Recived a letter that claimed I owed credit card debt of a enormous amount that I do not. Tried to call and ask questions to be told I had to give them my information wich I refuse to do over the phone. I belive it is a fake company or scammer. A phone number provided is XXXX XXXX XXXX XXXX says XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX American Express XXXX XXXX XXXX. They are offering a settlement.
Product: Payday loan, title loan, or personal loan

I was approved for {$1400.00} XX/XX/XXXX {$300.00} to my account XX/XX/XXXX {$300.00} to my account XX/XX/XXXX {$140.00} to my account XX/XX/XXXX {$100.00} to my account XX/XX/XXXX {$60.00} to my account XX/XX/XXXX {$60.00} to my account XX/XX/XXXX {$80.00} to my account XX/XX/XXXX -Payment withdraw from my account {$260.00} XX/XX/XXXX {$270.00} to my account XX/XX/XXXX {$60.00} to my account XX/XX/XXXX Payment withdraw from my account {$360.00} XX/XX/XXXX {$60.00} to my account. 
The loan interest rate is 360 % and the next payment they will withdraw is {$410.00}. These payments will take almost half of my paycheck.
Product: Debt collection

XXXX XXXX XXXX sent me to collections ( Rash Curtis & Associates ). This was a pre bankruptcy petition debt. Rash Curtis & Associates reported this debt unpaid in XX/XX/XXXX. This is a post bankruptcy petition collection action and a violation of my bankruptcy discharge ( XX/XX/XXXX ). I explained this to XXXX XXXX XXXX on at least XXXX occasions and requested that they remove the collection from my credit report/s. They did not. I recently disputed this with XXXX and it appears that they agreed with my explanation and have removed the collection from my credit report. I am concerned that I may have been turned down for employment because of the collections reference on my credit report. I would also like to request to be informed if any information in my file has been used against me.
Product: Mortgage

A few months ago, I was advised that the web site for managing my Suntrust mortgage account ( https : //suntrustmortgage.customercarenet.com ) was being retired in favor of suntrust.com effective XX/XX/2019. 

The " old '' site displays this message : Please enroll in Online Banking at suntrust.com to continue to manage your mortgage online. 
You will need to create a new userID and password using your mortgage account number ( if you do not have it handy, you may log in below and locate it before leaving this site ).

When I try to log onto the new site, I get error messages indicating that my records can not be matched. I am advised to contact Suntrust by phone, but have never been able to reach a human being to help me with my issues.

I am now afraid that ( 1 ) my loan servicing will be continued electronically despite the change in parameters, and that ( 2 ) I will stop receiving important information, notifications about my account, and the ability to manage my account without a lot of effort in dealing with Suntrust 's failure to manage my records and transfer them correctly to their new system. If they can not do something as simple as linking my account information so that I can open an online account as they have instructed, I have no basis for believing that they are recording or applying my payments correctly, either.
Product: Checking or savings account

On XX/XX/XXXX I filed an investigation to be opened up for a fraudulent wire transfer that occurred on the XXXX for {$95000.00}. An individual hacked my account to transfer {$90000.00} from my Savings Account to my Checking Account and wired over the total of {$95000.00}. 

I submitted an affidavit and filed an XXXX report on XX/XX/XXXX. Citibank received both of those documents. 

The investigation has gone over 60 days and there is no response from the investigator. The latest update is that the investigation has been complete but, they are waiting for final approval. 

I should have already received a response or any sort of update - if an investigation goes over 60 days, I should be given provisional credit until the money is restored to it's full amount. 

The next steps would be to potentially sue Citibank & take them to court.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TransUnion Credit Reporting Re : Hard Inquiry. 

Dear Sir / Madam, During the review of my consumer credit report recently, I noticed XXXX hard inquiries placed in my consumer report by XXXX XXXX XXXX on XX/XX/XXXX, and anther by XXXX XXXX XXXX XXXX which is ( XXXX  DAYS ) which is a violation according to CFPB. 

According to CFPB publication of XX/XX/XXXX, title WHAT HAPPENS WHEN A MORTGAGE LENDER CHECKS MY CREDIT, the agency stated that WITHIN 45 DAYS WINDOW, MULTIPLE CREDIT CHECKS FROM MORTAGE LENDERS ARE RECORDED ON YOUR CREDIT REPORT AS A SINGLE INQUIRY. PLEASE SEE CFPB PUBLICATION ATTACHED TO THIS COMPLAINT. 

Please, kindly remove the above-mentioned hard inquiries from my consumer report because you are in violation of CPFB rule.
Product: Debt collection

Since XX/XX/XXXX I have been disputing a debt with XXXX XXXX XXXX for a termination fee of {$150.00}. I was charged this fee after speaking to two representatives that said I would not be charged a fee at all. I tried to dispute this for months and was told that they are aware of the representative telling me this but tried to make it hard for me to remove it from my account. I asked numerous times for this debt to be deleted before it was sent to collections. On XX/XX/XXXX I spoke to someone claiming to be a supervisor at XXXX ( ID : XXXX ). I was told that the charge would be reversed and she would stop it from going to collections.I asked for a letter or email to be sent to summarize what we went over for that call and was told that they would not be able to do that. However, on XX/XX/XXXX I saw that there was a charge to my credit report of {$150.00} for the collections sent from XXXX to Eastern Account System Inc. I called XXXX once again and found at that they did balance my account to {$0.00} but they had not made any attempt to stop it from collections because it was already sent to collections in XXXX which I was not told on the call from XX/XX/XXXX. I was told to call collections to handle it with them. I called XXXX again XX/XX/XXXX to check my balance and realized that it was closed out and told them it had been sent to collections. I was hung up on twice by two different representatives! When I called collections on XX/XX/XXXX, I was told that XXXX  has not cancelled the collections attempt and they would send over a notice to XXXX to verify this information.Though the collections agent did tell me that they usually update them daily. Today, XX/XX/XXXX I called the collections agency to check the status of the charge and was told XXXX has yet to respond to the notice. I have been trying to dispute this fraudulent charge since XXXX and have been lied to by XXXX numerous times. I am upset that it was taken to collections despite numerous phone calls where it was confirmed that the representative said I would not receive a termination fee.