23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased merchandise on XXXX different occasions at Best Buy at zero percent interest. These have XXXX different expiring dates. I have made monthly payments that were sufficient to pay these off before the expiration dates but the payment was only applied to XXXX of the balances and now that XXXX of the zero interest periods has expired there is still a balance and they have charged interest.
Product: Checking or savings account

Also in XXXX, when I got hacked out of my other bank accounts, I got hacked out of my TCF Bank account. 
To my surprise, the CFPB closed the complaint, because TCF Bank who is now Hunting bank said " the complaint doesn't belong to them. '' XXXX I have live-streamed a call with stalkers at Huntington Bank. I'm happy to share it. 

My TCF bank debit card is even still active. It expires this month. How can they claim I wasn't their customer?

However, after the murder attempt in XXXX, they declared me dead, and booked my money to a different account. Naturally, I don't know the number.

I do know that Huntingbank lost their banking license over this ( and similar scams. ) And I do know that my small business account with over 2,4 Million USD on it is open and untouched. 

Also, see : XXXX  The live-streamed calls are on the XXXX page of XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/ a bounced checked was registered to my XXXX XXXX account i didn't take action to resolve the problem due to me being un aware of what happened. After the fact over the course of 3 years I been trying to resolve this problem due to me being a victim of fraud they have yet to try and help I haven't been able to move forward with my life due to this and i know its in violation of my consumer rights under FCRA Section 1681i.
Product: Checking or savings account

Around XX/XX/XXXX M & T bank " locked '' my account which resulted in all my recurring payments failing. A week later, I called the bank and was given an excuse that my account was locked due to the bank on being able to verify my identity per the XXXXatriot Act ( which was enacted XX/XX/XXXX ). So it took M & T nearly XXXX years to verify our identity? My husband filed a complaint and XXXX from the XXXXffice of the President reached out. She provided an invalid email : XXXX ATTN : XXXX XXXX XXXX I to send all documentation ands unnecessary late fees we incurred due to M & T 's negligence to verify our information for XXXX years. M & T bank held my money " hostage '' and caused many issues, then in attempt to solve the problem didn't even provide correct contact info. What a great way to solve a problem M & T caused and give us the runaround. XXXX suggested to my husband we contact all of the companies that assessed late fees and ask to reverse them
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address and rectify billing errors that I recently discovered upon reviewing my credit report, which appear to be in violation of the United States Code Law, specifically TILA 15 U.S. Code 1666 ( b ) regarding billing errors.

Upon a detailed examination, the billing errors fall under the following categories specified in 15 U.S. Code 1666 ( b ) : ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

I have noted discrepancies in the reporting of payments made and other accounting matters on my credit report, specifically related to the following accounts : DEPT OF ED/XXXX  Account Number : XXXX Late Payment Dates : XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Late Payment Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX As per my understanding of the law, the creditor is required to provide a statement at least 21 days before any payment due date. Failure to do so would render any late payment charges invalid. I am requesting hard, verifiable evidence from your records that supports the assertion that I did not make timely payments, resulting in the reported late payment status. 

I urge you to promptly rectify these errors on my consumer report by updating the aforementioned accounts to " paid as agreed. '' If these corrections are not made immediately, I am prepared to exercise my rights under 15 USC 1681n civil liability. This may involve seeking monetary compensation through legal channels, including small claims court in my city and state. 

To ensure that this matter is properly addressed, I have already submitted a complaint through the Complaint portal of the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

I anticipate your swift attention to this matter and a resolution that upholds the principles outlined in the applicable laws.
Product: Vehicle loan or lease

I purchased a vehicle through United Auto Acceptance on I believe XX/XX/XXXX and my final payment on the vehicle was made on XX/XX/XXXX. Ever since then though I have tried to reach out to UAA to obtain my title on this vehicle but as of today ( XX/XX/XXXX ) I have yet to receive the title or even a response at all. So far Ive called every number I was provided with as well as every number listed on the UAA webpage. I know Ive called well over a dozen times over the last XXXX years and Ive yet to speak with anyone. Each call is always the same, its an automated message that instructs me to leave a voicemail, which I do, but I never receive a call back. There was only one time that an actual real person answered and I explained to her all the trouble I have had trying to get my title and I asked her if she could help me. The representative was polite but she said that a different department handled title inquiries and that she would need to transfer me and before I could object she transferred me over and it went straight to a voicemail inbox. So I left a voicemail but quickly hung up and called back hoping someone would answer again but they never did. Ive also tried emailing the company many times. The email addresses I had were from past emails I had received from UAA representatives throughout my loan for things such as payment verifications and insurance status on the vehicle. But I never received a response from any of the emails either. Eventually I reached out to the dealership I had purchased the vehicle from in the hopes that they could help me with this. But they just informed that only my lender United Auto Acceptance would be able to help me with obtaining my title and they provided the contact information they had on file for UAA, which of course was the same information I already had. Finally I contacted my local county tag office to ask about the title process and to see if there was anything else I should be doing. The tag office informed me that once a vehicle is paid off then the lender automatically issues a new title in the buyers name and it is sent by mail to the new owner usually within 30 days. And since I have had the same address since I first purchased the vehicle Im sure the title was not sent. But of course there is no way of knowing what steps have been taken on this unless Im able to speak to someone regarding this issue. My hopes in submitting this is that someone at United Auto Acceptance will see this and help me resolve this issue or at the very least respond and inform me of what I can do to resolve this.
Product: Credit reporting or other personal consumer reports

I signed up for a Medical credit card they said it would not affect my credit when I sign up for it, when I looked at credit score it docked me XXXX points I read the fine print and it never said it would affect my credit I cancelled my account is there any why I can get that off my credit history and can I report the credit card company. The credit card company is CareCredit
Product: Debt collection

I received a letter dated XXXX XXXX, XXXX from Portfolio Recovery Associates, LLC trying to collect from a XXXX XXXX XXXX XXXX. account that has been closed for and satisfied for years. This account has not appeared on my credit report in years.
Product: Mortgage

Grievance Notice under Clause 20of the Mortgage & 12 C.F.R. 1024.35 Selene Loan #  XXXX # 1-There is an auction on my property XX/XX/XXXX @ XXXX XXXX County Supreme Court # 2 XXXX  $ XXXX-I recently found that the Mortgage with XXXX XXXX did not have a legal/property/tax-description or tax map information only an address thus making it a void instrument thus making the judgment of foreclosure void which does not allow them to proceed with the auction or any other recourse. Document date XX/XX/XXXX recorded XX/XX/XXXX ( attached is also a copy of the mortgage with my signature and notarys proper signature that matches the samples I attached in # 5 ). Recorded mortgage states my home is a 2 family it is actually a 1 Family. 
# 3 XXXX $ XXXX-also does not have legal/property/tax-description or tax map information only an address thus making it a void instrument also. There is a blank paper with a stamp So in Original various times. Document date XX/XX/XXXX recorded XX/XX/XXXX # 4 Notary XXXX XXXX-was the notary on both files and was incompetent to the point because of his incompetence they also forged my signature on the XXXX XXXX XXXX {$320000.00}. I would think that he lost the XXXX file and then noticed that he didnt record the XXXX file so or the investor signed my name on the XXXX file. 
# 5 XXXX- samples of signatures from State and court cases ( he is also an attorney ) they are different from the signatures on the mortgages. They dont match at all. I believe someone was signing for him # 5 Deed with the proper legal description XX/XX/XXXX # 6 Samples of my signatures during XXXX # 7 Notes # 8 Limited Power of Attorney naming XXXX XXXX -I had been in the mortgage industry prior to this foreclosure action ( I had a massive XXXX ) for approximately 20+ years as an FHA Underwriter and a loan originator. In my training I know what a Legal Name is. If you look at the mortgage with my proper signature you will find I inserted my middle initial XXXX where needed. In the XXXX XXXX loan, it was done beforehand. Also, that if you sign in the wrong place it could void any legal document. 
-The attorneys involved have submitted to the courts documents that are of a Fraud and Forged documents that they and the banks knew of beforehand but completely ignored to proceed with this foreclosure. 
-I plan litigation under the following thus far ; 1 ) 18 USC 1341 : Mail Frauds and Swindles 2 ) New York Penal Law Article 170 : Forgery 3 ) Notary Fraud 4 ) NRS 357- Submission of False Claims to State or Local Government 5 ) Quiet Title Action 6 ) Fraud upon the Court for Perjury by Attorney for the Plaintiff And any other legal means that will be available to me to protect my home.
Product: Checking or savings account

Per the Bank Statements uploaded with this Complaint, at some point before XX/XX/XXXX, I made my last transaction in my USBank checking account. On that day, my account had a balance of {$64.00}. For the next nine months USBank levied a {$6.00} " Monthly Maintenance Fee '' against my account. On the tenth month, in XX/XX/XXXX, USBank levied a fee of {$2.00}, which brought my account balance to {$0.00}. In XX/XX/XXXX, my account balance remained {$0.00}, no maintenance fee was levied, and my account was closed and no further statements were generated. 

That is, until Five months later, on XX/XX/XXXX -- without my permission or knowledge -- USBank reopened the account for the sole purpose of levying a " monthly maintenance fee '' in the amount of {$6.00}. As it was a closed account with a zero balance, the fee brought the account negative. For the next three months, until XX/XX/XXXX, USBank compounded fees upon its fees, utilized a " reserve line '' ( I never established or authorized ), and assessed all manor of penalties against this account and compounded the benefits of its prior fraud. 

The account statements, which I only acquired recently after hours of negotiations with USBank representatives, end on XX/XX/XXXX. By that time, USBank had attempted to pay itself around {$80.00} of fees and " protection. '' Years later, I ran a credit report and discovered that USBank had " charged off '' {$170.00} in XXXX or XX/XX/XXXX. It is still unclear how USBank arrived at that number, and no representative could provide me the answer. 


There are three issues : ( 1 ) USBank reopened a closed account -- without authority or permission -- for the sole purpose of levying a maintenance fee. 
( 2 ) USBank had no contractual " right '' to levy a maitenance fee against a a {$0.00} balance account as evidenced by its failure to do so in XXXX and XX/XX/XXXX and XXXX, XXXX, and XX/XX/XXXX. Its fee in XXXX was a breach of the contract. And to the extent that USBank argues it had that contractual right to levy a maintenance fee against a {$0.00} balance account, any contractual " right '' to do so was waived by inaction. 
( 3 ) USBanks ' consumer checking account agreement states that an account will become dormant after 12 months of inactivity. My account had no activity in the twelve months leading up to XX/XX/XXXX, and likely before. USBank breached the agreement by not rendering my account dormant prior to XX/XX/XXXX.
Product: Debt collection

They have been pulling my credit report multiple times every month and it affects my credit score.
Product: Credit card

Hi, I made a payment to Capital One, my credit card company, on Tuesday XX/XX/XXXX with my debit card, over the phone, the way I usually do. 

They still have not presented the payment to my bank, it is now a week later. 

It seems clear that they are holding this payment until after XX/XX/XXXX because they hope that my bank account will not be able to cover the payment and that I will then have charges and a higher interest rate to pay. 

Is this a new way the credit card company has found to increase its revenue, Can they be doing this to others as well? 

When I called customer service they said the had the right to hold my payment. 

Are they allowed to do that, it seems that they should have to present my payment to my bank within a day or two of it being made.
Product: Money transfer, virtual currency, or money service

Western Union allowed a fraudulent payment from my debit card on XXXX XXXX XXXX in the amount of {$2100.00}. After contact from both my bank and me, they refuse to refund the money to my account. They also said they would give me a fraud account number to file with the local police, which they have not done. They allowed this charge without my pin information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt on only one of my bureaus which is Equifax. The debt belongs to my deceased father XXXX XXXX XXXX XXXX. I NEVER lived at the residence and I AM NOT liable for his debt just because we have the same name. The company name is : The XXXX AT TR ACCOUNT # XXXX The next item is because of COVID-19 that I got behind on this account. And that account name is : XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681 B I am requesting XXXX, XXXX, and TransUnion to show proof of transactions on my XXXX  and XXXX accounts that I was ever late. I previously disputed and requested them to validate the inaccuracy of information reporting on my account and they have failed to do so.
Product: Debt collection

I received a letter from D & A Services , LLC for a debt that is not mine. The amount of {$2800.00} from the original creditor XXXX XXXX XXXX XXXX and current creditor XXXX XXXX XXXX XXXX XXXX, XXXX are banks I have never worked with or received loans from. 

The D & A account number is # XXXX and the address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. Either they have the wrong person or someone else used my information.
Product: Credit reporting, credit repair services, 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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 convictions 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 reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX  XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Student loan

My original principal balance was {$58000.00} beginning XX/XX/2007 with a fixed interest rate of 7.5 %. I have filed a few forbearances over the years due to hardships ; but was not offered income based repayment plan options until this year. However, since XX/XX/2007, I have paid {$30000.00} in interest and {$6700.00} towards the principal. My account balance is currently {$73000.00}, which is {$15000.00} higher than my original principal. When you file for a forbearance due to hardship, instead of Navient just allowing the interest to accrue during that time period, they add the interest to the principal and then charge you interest on the interest added principal amount. The forbearance does not help but hurt borrowers. I have tried to negotiate the account balance because I have paid {$36000.00} on a {$58000.00} loan and now owe {$73000.00} which only causes the payments to go up and not down. I think this is truly an unfair practice and makes it extremely difficult to pay the loan. Navient did not offer any help in resolving this matter.
Product: Credit reporting or other personal consumer reports

* Inaccuracy of the Debt : I dispute the validity of this debt, as the amount being reported does not accurately reflect my records. 
* Failure to Verify the Debt : Pursuant to the FDCPA, 15 U.S.C. 1692g ( b ), you are required to provide verification of the debt. I have not received proper verification of the debt as required by law.

* Violation of Credit Reporting Laws : Under the FCRA, 15 U.S.C. 1681s-2, you are responsible for ensuring that all information furnished to credit reporting agencies is accurate and complete. The continued reporting of this debt without proper verification or validation violates these requirements.
Product: Credit reporting or other personal consumer reports

i have discovered a fraudulent account on my report from XXXX XXXX XXXXXXXX XXXX  with the account number XXXX, opened on XX/XX/year>.
Product: Debt collection

Up to XXXX calls a day saying either I owe back taxes or student loan debt, almost all are pre-fixes in XXXX XXXX. I pay my taxes and I was only a co-signer on XXXX of my daughters loans for {$8000.00}. When that company I believe it was ( B of A ) called me, I asked them to produce the XXXX years of payments I made as well as the interest rate that I had paid. I had all of the information & even if the rate was XXXX % it would have been paid in full. They could not and until recently I thought it taken care of!