23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

more then 2 or 3 years ago I did a online payday loan and paid it off right away, now within the last year I have some one e-mailing me asking for payment not sure if its for the same one or something different they wont give me any info about it I have not received any loan from them since I paid the other off. 
main creditor is ACE CASH
Product: Mortgage

Hello, My mortgage loan was sold to lender Selene Finance back in XXXX. Selene claims that I am one month behind. This is not the case. I have been in chapter XXXX bankruptcy since XXXX of XXXX. Since XX/XX/XXXX I have not missed any payments. Bankruptcy trustee has also completed all the payments agreed upon and does not owe anything to Selene or past lender. 

XX/XX/XXXX My attorney emailed Selene Finance XX/XX/XXXX and attached all proof of payments for last 3 years. There is a ledger showing payments made, dates, confirmation numbers and amounts. Also attached was bank statements for every month starting XX/XX/XXXX showing the withdraws made by lender. 

XX/XX/XXXX I called and confirmed with agent XXXX that they received the email. She said it would take them up to 30 days to reconcile account. I asked if I could have contact information of the team or person reviewing my case and was told they do not take calls or emails from customers. She also said I would be receiving a letter from the team confirming my attorney 's email request. I never received anything and neither did my attorney. 

XX/XX/XXXX called spoke with another agent and she said they were still working on the issue. I asked about the letter that I was supposed to receive and she had no answers for me just confirmed my mailing address. 

XX/XX/XXXX called and spoke with another agent XXXX. He said they still haven't made any changes. He couldn't get any supervisor on the phone but submitted a request for a call back. He said I would get a call back 24-48 hours. He also emailed bankruptcy team with all the grievances that no one has responded to my inquiries that it has been almost a month and nothing. 

XX/XX/XXXX Called again and spoke with agent XXXX and he said he didn't see any requests to speak with a supervisor and that no one was available to speak with me. But that they are still reviewing my case and that its only been since last Friday. I let the agent know that it was incorrect that they had my case since XX/XX/XXXX. I told him that I have had zero response regarding my grievance for a month now and he told me there is nothing he could do. I asked who I could speak with he said I could leave a voicemail with a supervisor ( which I did ). I asked if I could speak with bankruptcy team and he said they do not take calls. 

Every time I called I was on the phone 1-2 hours getting the runaround. No one is calling me back. No correspondence of any kind. No end in sight. I gave them everything needed to fix their internal error and they still haven't. This is unacceptable. This has added great stress to my family. How can they miss-place a payment? They had a month to correct this. I have called and called and zero answers. 

Please help!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Charge Off : XX/XX/year> Amount : {$14000.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report.EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

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

On XX/XX/2020 my vehicle loan with XXXX XXXX XXXX was paid off in full, after the loan was paid off. XXXX XXXX XXXX decided in bad faith to charge off without any balance the loan and immediately reporting to Transunion, XXXX and XXXX  the Charge off. 
On XX/XX/2020 I contacted XXXX XXXX XXXX of this discrepancy and told them the account has been paid in full, to please correct the information. On XX/XX/2020 they reported on the credit bureaus the loan as paid in full/Charge off which is still false information because it is paid in full the was no amount charged off. 
On XX/XX/2020 XXXX XXXX XXXX again put false information on my file again they put the Charge off again in the amount of {$12000.00}. When they were paid {$12000.00} on XX/XX/2020. 
Another false reporting on my credit file is the date of the last payment was XX/XX/2020 when it was actually XX/XX/2020. 
The damage the was done I applied for a loan and was denied because of XXXX XXXX XXXX misrepresentation reported to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX account ending in XXXX XXXXXXXX XXXX XXXXXXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX- account ending in XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX account ending in XXXXXXXX XXXX XXXX XXXX- account ending in XXXX XXXX XXXX XXXX- account ending in XXXX XXXX XXXX Services- account ending XXXX XXXX XXXX - account ending in XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states that a consumer reporting agency can not furnish an account with my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years 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.
Product: Credit card

Barclay Card switched my account to " paperless '' without authorization. I researched my inbox and see that I received an email on XX/XX/2016 saying I 'd been switched - I only found this after I discovered the problem today. They charged me {$27.00} as a late fee. I pay the bill in full every month and never carry a balance. I called to find out about this and told them to cancel the card. They make it very difficult to cancel ; transferring you to a different department, keeping you on hold for 10+ minutes prior to connecting and the rep trying 3 or 4 times to not let you cancel. Anyway this is a terrible treatment of customers and the practice should be stopped.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX
Product: Debt collection

My wages are being garnished, and the docket from the District Court of Maryland shows I am supposed to pay 10 % Interest from XX/XX/XXXX to XX/XX/XXXX and I have been getting charge 10 % interest every month by Glasser and Glasser. I called them to correct this and they told me that the information on the docket from the District Court was incorrect.  I think they are over charging me. They also have not been providing me with monthly statements. Therefore I really have no idea what theyre doing in the statements I do have extremely confusing.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/2023 Amount : {$1000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Checking or savings account

I received a letter dated XX/XX/19 from Union Bank stating that they are closing my account. I called the phone number on the letter and a automated system answered as Union Bank BSA Compliance Department. It instructed me to leave a message and that they would call me back within 2 business days. They called me and would not give me a reason why they are closing my account. They informed me that I am not able or allowed to open another account with them either. I feel as a consumer that I have a right to know why they are doing this. I have handled my account in good standing for 17 years. I have never overdrawn my account or written bad checks so I'm very confused why they decided to close it. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

multiple companies pulled my credit without my consent,
Product: Credit reporting, credit repair services, or other personal consumer reports

Following the XXXX breach, I permanently froze my credit at each credit reporting agency and stored the PINs in my password manager for safe keeping. Each time I need a credit check performed, I go through the unfreeze process by providing my PIN and any verification information requested and set a temporary lift on my credit. This process was working perfectly up until about 2 months ago when I attempted to lift my freeze at Experian and they rejected my PIN and requested I mail them my verification documents. I requested my credit report from the 3 bureaus to see if there was any incorrect information that would cause my request to be denied and again all other bureaus honored my request, except Experian. I went ahead and mailed them the requested documents, first on XXXX XXXX, 2019 and when I didn't get a response I sent them again on XXXX XXXX, 2019. I still have not received a response from Experian and I am still locked out of my credit report with them which is preventing me from being able to open a new bank account as the credit union I would like to join only uses Experian for their credit checks. I am not having this issue with XXXX or XXXX at this time, Experian is the only one who claims my information is incorrect and refuses to provide me with the information I need to get this fixed.
Product: Mortgage

US Bank has had the funds for the next due mortgage payment since XX/XX/XXXX.  They have once again applied the funds as a principal only pre-payment without the written notification as required by section 4 of the mortgage note. 

I requested that they reverse the funds and apply them as a mortgage payment on XX/XX/XXXX. They did not respond or correct the payments.

I requested that they reverse and apply the payment correctly a second time on XX/XX/XXXX. They still have not responded or corrected the payments. 

They are have been very clear that they do not believe that they are required to follow the terms of the mortgage note and can apply the funds how ever they feel. To the point of not covering the mortgage payments when they have funds to do so.
Product: Debt collection

Hello, I have been trying to get ahold of this company to see why there is a debt on my credit report that is not mines. When I call they hang up on me and transfer me to a mailbox with no call back.
Product: Credit card

Opened a Macy 's credit card to get the 20 % discount - I have an XXXX credit score, so was not concerned with a hard check no my credit. As intended, I paid the outstanding balance in full immediately upon receiving the first bill. I checked my credit report, randomly, a few months later and noticed they had reported at 60 day overdue balance of {$18.00}. When I called, they informed me this was interest charge ... interesting how interest can accrue on {$0.00}. When I let them know this was fraud, they immediately back tracked and did everything necessary to remove the charges, report the correct info to the credit agency and close the card ( as they were previously instructed ). They also proceeded to say they had the wrong address on file - also very interesting bc the first bill had no problem finding its way to me when they wanted to get paid the initial balance. 

If you have a retail card from Macy 's - review your statement carefully ... likely interest and late fees on their that are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I have talked with their staff and they told me they would remove the late payment posted on my account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

I made a paid a merchant twice by accident from my PNC account. Because the merchant was due the money, ( since I was behind ), they denied my request for reimbursement. I then called the bank, knowing that I did not have enough finds to cover 2 payments, they put in several request for me to get my 2nd payment back. Each time I was advised it had been denied. So I opened a case with XXXX   about the merchant. Their findings was that the money was returned when I filed with PNC, asking for the money back. So where is my money?
Product: Mortgage

XX/XX/2016 I filed an application for a mortgage modification. We had a hardship the prior year and tried modifying our mortgage back then but was denied due to missing information. So we started to try and catch up on our mortgage on our own but was not possible. So the application was submitted along with all required documents. Our mortgage bank ( Citi Mortgage ) sent a letter stating that " ALL '' documents have been received and no further information was needed. Since we were denied before for application being incomplete i continued to send pay stubs and bank information. I followed up with the bank 1-2 weekly ... always told application is pending with the underwriter. As of today it 's been 3 months pending and about 2 weeks ago I received a foreclosure letter with a date set for XX/XX/XXXX. As I get home today I received another letter asking me to send in all the documents again. The same information they already have and I have emails and regular mail stating all required information is complete. I contact the foreclosure attorney that is assigned our case and they had no idea we had a pending modification and can only stop it when the bank contacts them. I then contact the bank and they keep telling me that there is nothing they can do until they receive notice from the underwriter. Looks like the foreclosure will go through before we can get a loan modification agreement. I need help, who do i contact ....
Product: Mortgage

We had a home mortgage with Suntrust that was paid off on XX/XX/XXXX. I was told that the balance of the escrow account ( approx. {$16000.00} ) would be returned to us in 2 weeks. 
I have made multiple phone calls to the mortgage department where I received different stories on almost every call. 
On XX/XX/XXXX I was told the refund check had been cut on XX/XX/XXXX and mailed from Virginia. 
When the check had not arrived on XX/XX/XXXX I called back and was told the check had been cut on XX/XX/XXXX but not mailed until XX/XX/XXXX. I was explained to me that if I did not receive the check in 30 days I could call back to start the process to received a replacement check. 
I called the mortgage department on XX/XX/XXXX and insisted that I be put through to a supervisor. I was passed on to Mortgage Client Services ManageXXXX XXXX ( XXXX ). He informed me that there was no way to speed up the process of obtaining a refund and that he would not and could not be of any assistance. 
On XX/XX/XXXX I eventually found my way to Escalation Resolution Team and explained my situation opening a case ( case number XXXX ). Despite repeated calls to the resolution team ( XXXX XXXX ) I have not received any information about what has gone wrong with this process and when we might receive our money. 
Are you able to assist us in obtaining the refund of our money in a timely fashion
Product: Credit reporting or other personal consumer reports

I

am writing to notify you that I am a victim of a data breach and request that the following account be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). This account has been compromised or fraudulently opened due to the breach. Account Information : XXXX XXXX Account number : XXXX, Date opened : XX/XX/year>, Amount : {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have made numerous attempts to speak to Hyundai Motor Finance and Ive been given conflicting information or hung up on by incompetent magerial staff and telephone reps. I have made over XXXX in payments and only XXXX has been applied to my principle. 

Hyundai is literally stealing money from me and not applying it accurately to my principal or interest. I guess the money magically disappeared
Product: Debt collection

Dispute Results from XXXX  are wrong. File number : XXXX. 
Here is that settlement result : XXXX XXXX Reported on XX/XX/2016 {$620.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 

Dispute Reasons Accuracy : The payment history/rating is incorrect. 
This account is settled. 

This was a doctor visit to XXXX XXXX  XXXX/XXXX  ( XXXX  XXXX XXXX, a provider to XXXX  XXXX ). I even made several more visits to this facility over the years following this appointment. 
For some reason they were missing my XXXX information and billed me. XXXXI returned to the location and their portal had been updated already with my information t hat determined that I was covered by XXXX and the balance was resolved per the billing agent onsite. 

Thank you for your help with this.
Product: Debt collection

XXXX XXXX amount {$470.00} went to collections to XXXX. 

I did communicate with the Collector before it went to collection agency. I sent them email, stating that I requested repair to the unit, and nothing was ever done for over a year. They said we left the apartment super dirty when we have proof we did not. I went into detail in emails every time we requested service to be done to the apartment. The did not give us our deposit back because they said they had to have someone deep clean when I deep cleaned before moving out.
Product: Checking or savings account

I dispute balance of XX/XX/XXXX of {$940.00} from a beginning credit of {$1000.00} by CITIBANK some years ago. When Citibank allowed me this credit called CHECKING PLUS it was not categorized LOAN as seen now in Citibank statements. Thus, my main concern is to not approving unknown fee applied by Citibank as TRANSFER TO COVER OVERDRAFT. While I do not recognize so-called overdrafts, this fee reduces completely every month payment I have made so far but making the credit balance unchanged as shown below. e.g ; A XX/XX/XXXX : Account balance = {$960.00} B. XX/XX/XXXX : Account balance = {$940.00}? 
XX/XX/XXXX - XX/XX/XXXX : Account payments = {$1000.00} In the light of all of above I request arbitration of unchanged balance due to so-called Transfer To Cover Overdraft unknown fee. I can remember that Checking Plus credit of {$1000.00} had no payment limit or was a kind of loan either. 
.
Product: Debt collection

I took out a secured credit card for {$300.00} I paid on it until covid-19 then I had to make choices on buying food or gas I received a letter today XX/XX/XXXX the letter was supposed to be sent out XX/XX/XXXX when my account was sold I was supposed to be allowed up to 5 days to dispute them selling my account I just received the information today which is XX/XX/2022 I never received any information stating they were going to sell my account now is saying that I owe {$660.00} on a secure credit account.