23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They are claiming to be collecting for XXXX XXXX. But I can not get XXXX  XXXX  to tell me how much they owe as a matter of fact the amount had just changed at the beginning of XXXX. I called for 3 days straight I called eight different representatives two of them being management and the two management ladies actually argued with each other they said one was wrong the other said the other is wrong you know they went back and forth like that then the other six agents told me different amounts that I owe and every time I contact XXXX they give me a new amount I have no idea how much I owe them and they have been allowed to drag my credit down twice I see systems has because the first time they did it they put just some off the wall amount that XXXX told them The second time XXXX updated here at the beginning of XXXX and IC systems put the new updated amount and they were able to drag my credit down again through XXXX so that's twice they've got to do that I think they need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. Kindly correct or discard these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

On XX/XX/year> I paid via check my monthly mortgage for {$1100.00}. The teller at Huntington Bank branch located in XXXX, Michigan mis-punched the amount and charged my account for XXXX or an overcharge of {$560.00}. Additionally, my bank paid the incorrect amount ( {$1700.00} ) and charged me a courtesy fee of {$33.00}. I went to the branch and the branch manager admitted it was their mistake and promised I would have the overcharge of {$560.00} and the bank fee {$33.00} reimbursed in XXXX business days. After XXXX business days and no reimbursement, I went back the branch to find out where my money was. The branch XXXX informed me that now Huntington Bank was issuing XXXX checks for {$560.00} and {$33.00} but I would not receive these reimbursements until at least XX/XX/year>. That's almost XXXX month that they have sat on my money. It doesn't appear Huntington Bank has a defined process to pay their customers back when they are overcharged. I question how many other consumers are overcharged and give up trying to get the money the bank owes them. I understand clerical mistakes happen but how Huntington corrects their mistake is extremely disappointing.
Product: Checking or savings account

This is a problem with the app Current, which is Current Bank, or XXXX XXXX XXXX. They lure customers in with high interest accounts, not explaining what those accounts are. I setup an account ( unknown if checking, and/or savings, or both - customer is not told ). Then, in order to get the promised interest rate of 4 %, I need to move money into Savings Pods. Savings Pods only collect the promised 4 % interest rate up until {$2000.00} ( but can be funded limitlessly ). A customer can have up to 3 Savings Pods. Thus, customers will be guided to opening 3 Savings Pods and to deposit the max {$2000.00} in each to maximize interest earned. 

I setup the 3 Savings Pods. I believe the bank is juicing their customer sign-ups- treating each Savings Pod as a new account. Investors will love that growth! The problem is, when I try to move cash out of the account via a pull from another one of my banks, my bank is telling me ( via XXXX ), that my account balance is zero at Current. The reason being my " checking '' account is technically empty, as those funds have been moved into 3 separate savings accounts, or Savings Pods. I do not have those Savings Pods ' routing and account numbers, nor was I ever told these are separate accounts with separate banking information. As a result, I can't set them up via XXXX to initiate pulls from external banks ( for faster recognition of cash transferred ). 

Now, to move cash out, I have to do an XXXX transfer to my external bank, vs using XXXX. 

This bank also lies about cash receipt of customer sent funds. I sent money from my other bank to Current, and the cash was immediately debited from my account ( since it was sent via XXXX  ). A week later - Current still says they haven't received funds. What's even more unbelievable - I sent two payments in one day from my bank. They finally received the {$1000.00}, but haven't received the {$4000.00} I sent literally minutes before. 

The bank is using customer provided cash to fund their liquidity vs them giving access to that cash. 

This bank is the shadiest bank I've ever used, and despite me finally getting my Pods setup and maxed out, I moved my cash out once I saw what they're doing. 

I can promise you they are lying to their investors and saying each customer they brought in signed up for 4 accounts total. Instead of for example, 100 new customers having 100 new checking accounts, they have 400 new accounts. This bank will cease to receive investor funding once their investors realize what they're doing, and the FDIC will be called in to make customer 's whole. I'm not waiting for this to happen.
Product: Credit card

Company closed my account causing a negative impact to my credit score and continues to request payment. 15 U.S.C. 1692c Company has seized funds from my personally account on XX/XX/year> to pay debt without my permission. The FCBA Fair Credit Billing Act protects consumers from unfair credit card billing practices and generally prohibits bank from seizing funds in a consumer 's bank account to pay of credit card debt. 15 U.S.C. 1666-1666j
Product: Student loan

I would like to file a formal complaint against XXXX XXXX XXXX XXXX. They have been my loan servicer for years, since consolidating my loans under the Obama administration programs. I have continued to encounter the same problems, year after year, particularly with updating and renewing my income based repayment program information. This year, for example, I became divorced XXXX in XXXX of XXXX ) which drastically changed my household income. I submitted a recertification form within weeks of this event and provided documentation of my new household income. When I called to ask about the status, I was told that they were behind in processing these types of requests. They gave me the option of being in forbearance which I did not want to do because that would simply allow my interest to build and I would also not be making a qualifying payment towards my plan if I were to enter forbearance. I updated my re-certification information again this XXXX upon receiving a letter from them stating that I needed to do so ( even though they had all of my information since XXXX of last year with no change in my payment ). After several phone calls, they again said that they were behind in processing and I had done all I could, I just had to wait for them. Finally, this week I received letters of my new payment amount, a year later, which is only slightly less despite my household income going down by {$80000.00} per year. Not only has the payment amount hardly changed, but they put half of my loans on forbearance without my knowledge or permission and drafted {$1600.00} from my checking account this month on XXXX XXXX, XXXX without advance notice ( which is nearly XXXX times my normal payment ) even though all of my recertification information was in for months and is stated so on their website. This has happened before, and they refuse to refund the amount that was over and above my normal payment. As a XXXX mother, trying to support her family all while making student loan payments that are nearly the size of my mortgage, I am asking for my complaint and several other similar complaints of students working with this company to be taken seriously so that they can be held accountable for their extreme negligence and misconduct.
Product: Bank account or service

I believe WellsFargo has opened an account on my behalf without my autherization. I have copies of all transaction since 2013 and do n't like what I seen. WellsFargo has too many transactions that says " save as you go transfer debit to and as low as {$2.00} & high as {$12.00}. I never authorized it and never signed anything, this is fragulant action and want to be protected and want my hard earned money back.
Product: Credit reporting or other personal consumer reports

I sent out a request to TransUnion on XX/XX/XXXX to validate that everything is accurate and verified on my credit report. They sent me back stating that everything is correct and verified. There are still inaccuracies on my report.

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.

15 U.S.C. 1681s-2 { a } ( 1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I filed a complaint with the CFPB on XX/XX/XXXX and attached documents that also proved these accounts were in fact inaccurate. I requested these accounts to be deleted from my credit report. This did not happen. 

I then sent a request for Reinvestigation XX/XX/XXXX to verify that these accounts were verified as accurate. They all came back updated and verified but are still showing major inaccuracies. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws:15USC 16811i, 15USC 1681i5, 15 USC 1681eb , DELETE THESE ACCOUNTS! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I purchased a vehicle on XX/XX/XXXX and as part of my credit report pull, an unknown debt to me was on the report as collections with XXXX XXXX. I called XXXX, they redirected me to Tsarouhis Law Group LLC. I called Tsarouhis Law Group LLC and explained that this was the first I had ever heard of this debt/collections ( they said it was from XXXX ) and asked for a debt validation letter given my rights under the Fair Debt Collection Practices Act. They stated it would be sent right away. Tsarouhis Law Group LLC is located only XXXX hours away from me, and I have not received any letter. I called to verify that it was sent, to which Tsarouhis Law Group LLC threatened the debt would be taken to court as part of a suit, but that my debt validation letter is in the mail. I feel like they are unable to verify the debt, attempting to collect it from me in a threatening way to make a profit, and are falsely reporting this debt which is negatively impacting my credit.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX  XXXX XXXX and XXXX  XXXX XXXX  NA XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Vehicle loan or lease

I traded in my XX/XX/XXXX XXXX XXXX XXXX to a dealership back in mid XXXX. My lease was paid in full by the dealer first week of XXXX. I did not stop my auto payment nor go to the originating dealer to cancel my extended warranties. That being said my loan was overpaid by roughly {$4500.00} confirmed by representatives at Chrysler Capital in early XXXX It was explained to that the money would be refunded to me via check in 45 days not to exceed 60. At the time I believed that to be excessive but I was patient because what other choice do you have? I have now spoke with Chrysler Capital a total of five times totaling several hours. I have been promised the checks would be mailed twice, overnighted via XXXX once while being included on email correspondence for confirmation, and today a call back from the executive customer service office. Everyone is pleasant and makes promises that get me off of the phone feeling satisfied that the problem has been resolved but not a single person has followed through. It is unacceptable to hold money owed to a consumer for over 100 days.
Product: Debt collection

XX/XX/2018 a guy named XXXX called and left a voicemail on my phone stating he need to get ahold of me for paperwork to be sent to my employer for verification. At no time in the voice mail did he identify as a debt collector or state what the call was about. I called back on the XXXX XXXX XXXX a recording told me to hold for the next person again never said it's a debt collector. Then a guy who said his name was XXXX XXXX answer and again nothing about being a debt collector was said. At this point I didn't know who they are or what they need I asked for XXXX as he instructed in the message. The guy said he was gone for the day but he works closely with him what do i need. I told him about the message and then started that i felt like this is a debt collection and if it is that is against the law for them to not identify as such. He then got very rude and stated that he could not help me that I would need to call back tomorrow of wait for the next call from them if I wanted to know what the matter was about. He then hung up on me. I called back and informed him that if he was indeed a debt collector to seize and desist their attempts to contact me over the phone or with my employer. That still never said they where a collection agency and also never informed if the call was recorded. The company is Account Discovery Systems LLC
Product: Vehicle loan or lease

The vehicle was reposed, but was paid in full with my so #. They are sharing and selling my social security and my personal indo to others
Product: Credit card or prepaid card

I XXXX XXXX request that the attached account remove me personally as a user, and that all credit trade line references on XXXX XXXX, XXXX and XXXX, and XXXX if applicable. My husband has passed away, and any collection on this account can only go through his estate. I have no obligation to this debt, and any collection matter can not apply to me personally. I was never a responsible party to this account and my matter only applies to the Fair Credit Reporting Act, and any collection matter applies to the Fair Debt Collection Practices Act. This item must be deleted from my personal credit reports permanently. Please reply through the Consumer Financial Protection Bureau only, and my rights for deletion are within the legal guidelines for add on signers to accounts, and the deletion of said connections. I am not a responsible party and desire to have this account removed permanently. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company requesting a copy of my original credit card agreement with the original creditor. They have refused to respond to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here are the following items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have previously summited information letting Equifax know these accounts are fraudulent. Nothing has been done. The accounts are still reporting. My Identity ( social security number name and address ) was exposed in the XX/XX/XXXX EquifaxXX/XX/XXXXData Breach. I believe this breach is how my identity was obtained to open these accounts. I have several fraudulent accounts reporting on my credit profiles. Accounts listed below : I did not authorize anyone to seek credit in my name, XXXX XXXX account # XXXX XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

Experian contacted consumer after hours to be abusive about fixing my report
Product: Credit card

JP Morgan Chase, who manages my Amazon credit card, is calling me every day, at different times of the day, in order to collect a debt. I am working with XXXX to pay off my debt, and JP Morgan Chase has been informed that I am using this service. I 've also asked them to stop calling me. I am setting aside {$200.00} every pay day in order to pay off the debt. The telephone calls are excessive and intrusive and have not stopped.
Product: Credit reporting or other personal consumer reports

There is information in my Consumer Report that is IDENTITY THEFT. 
TRANSUNION Has been reporting my non-public information. 
I did not provide written or verbal permission for this information to be submitted in writing or electronically, that is IDENTITY THEFT. 
I sent a letter along with my COPY RIGHTED NAME CERTIFICATE, ASSUMED NAME CERTIFICATE dated XXXX -- XXXX, Tracking # XXXX received by Transunion on XXXX XXXX demanded for TRANSUNION to produce a written contract where I give my consent to assemble, collect, furnished and published my information. 
( please see attached exhibit A ). TRANSUNION failed to provide any contract. 

I also sent and Affidavit of Fact dated XXXX, Tracking # XXXX received by Transunion on XXXX ( please see attached Exhibit XXXX  ). Transunion did no rebuttal to my affidavit, an unrebutted affidavit stands as true. I asked TRANSUNIONN to properly VERIFY under 15USC 1861i the disputed information documenting who verified the alleged information, None verification was provided. Bankruptcy Courts do not provide any verification, please see attached letter from the Bankruptcy court stating to that fact.

TRANSUNION has broken the Law. compiling information that is supposed to represent who I am, without my permission is IDENTITY THEFT. 
15 USC 1681c-2, Using Identifying information of another person.

5USC 1681q Obtaining information under false pretenses.

15 USC 6802 b Obligations with respect to disclosures of personal information. 
Accounts : XXXX, XXXX XXXX # XXXX, XXXX, XXXX, XXXX. 
I demand this Information which is IDENTHITY THEFT & VIOLATION OF MY PRIVACY BE REMOVE IMMEDIATELY!
Product: Debt collection

XXXX XXXX XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in ( Whatever Year ). I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Barclays through the XXXX XXXX Credit Card program in XX/XX/XXXX. Due to health issues, I fell behind on payments resulting in the account being closed and charged off in XX/XX/XXXX. 

Since then, Barclays has continued to update my account status on my credit report as a C/O, like clockwork on the XX/XX/XXXXof every month. 

In mid-XX/XX/XXXX ( around the XX/XX/XXXX), I paid off the balance in full with their in-house recovery company, XXXX XXXX XXXX. Both Barclays and XXXX confirmed that the account had a {$0.00} balance. 

In XXXX, Barclays is now refusing to update my credit report and now claiming that they can not find my account / claiming there's a name mismatch despite having ZERO issues reporting the delinquent account EVERY MONTH since XXXX. For the past week, since I've paid off my account, I've been given nothing but the runaround and zero answers from Barclays reps who claim my account no longer exists or is mine. 

I find this unacceptable and basically feel like Barclays is holding my credit score hostage by refusing to update my report in a timely fashion ( if they even intend on doing it at all ), and multiple representatives either providing me with blatantly false or incorrect information. 

My account number is one ending in XXXX.