23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

this person called XXXX XXXX email me on XX/XX/XXXX, when I email him back I ask to take this debt out from my account because I never have an account with this company and I want to dispute it, so he told me that he can not do that from there wich is a lie because I know the fdcpa rules and I work in a collections area, and he was yelling at me 'how you never had an account with this company if I have your signature and everything and he told me that I need to pay it I ask him for the XXXX XXXX phone # and he told me that I don't need to speak with them because this account is in collections already so I ask for his manager name is XXXX XXXX and he spoke with me with the same attitude and telling me that he doesn't need to help me anymore and this person XXXX was the boss and I don't need to complain with him nothing and he hung up on me ... how a person is going to pay this people even if I had open this account with this poor customer service from a manager and his agents. this people need to be terminated how poor customer service they have if they want someone to pay with that attitude no one is going to pay that way
Product: Credit card

For reference : Ive never made a late payment. Always pay my balance in full. Have had this credit card for a year. Am on auto draft. 

I made a payment on XX/XX/XXXX for {$11000.00} which was taken out of my bank account immediately. I called Citibank in the 3rd and they said it needed 2 business days to clear ( after calling XXXXXXXX XXXX  on a 3 way call and XXXX told Citibank that the funds were available but taken out by Citi on the XXXX ). I called Citi today, XX/XX/XXXX, and they said the funds are on a hold until XX/XX/XXXX. 

During this time I have a {$0.00} credit limit and all of my bills are tied to this credit card and being declined. I plan to cancel the card once I get am assured that I get my funds applied. The way I see it I am loaning this company almost $ XXXX for 13 days and not by choice. 

Citibank has also declined to increase my credit balance even though I have impeccable credit and payment history with them.
Product: Checking or savings account

On XX/XX/XXXX i was at work and recieved a text asking if i had made a purchase, i didnt recognize it so i immediately called the bank that the account is associated with " capital one '' and i informed them i did not make that charge and while i was speaking to them i literrally watched as someone took XXXX out of my account and i was in panic mode telling capiral one to stop the transactions and that that was all the money i had to my name they assured me they would handle and i immediatly filed a claim for the missing funds. A day later they notified me by email and said they had concluded their investigation and that i had made the trans actions or at least addmitted to it. I was like what the f no i didnt so i called back and after hours of being transferred around i was rold that they had sent a text asking if i made the pur hase and i supposedly clixked yes which i didnt or if i did it was unbeknownst to me. So long story short they will not give me my money and i have done evwrything i can.
Product: Credit card or prepaid card

First, please see complain # XXXX -- XXXX, to which company replied with an unsatisfactory letter, dated XXXX XXXX, and refused to provide requested interest rate information and on how a refund on one account ( XXXX ) was calculated and what the calculation was on another account ( XXXX ), for which no refund was offered. 

Without the requested info, customers and maybe even the CFPB, are not able to determine if company responded properly.
Product: Checking or savings account

Now, as I stayed before, XXXX had some discrepancies, I have asked both XXXX and XXXX for the IP addresses they both give me a big runaround but they did send one email the other day when I logged into both accounts and the IP addresses are different even though I was on cellular service on the same device. I do not have a VPN active, when contacting XXXX they told me that all of the IP addresses should be the same so I am trying to contact the bank and get a listing of all IP addresses that have been hooked into my account Could you please add this to the Huntington Bank complaint because you do not give the option of adding more information here are the numbers XXXX And XXXX
Product: Debt collection

I have no knowledge of what this account entails. Noticed it on my credit report. I have never done business with Eastern accounts, not sure why they have access to personal information.
Product: Credit card or prepaid card

I opened a business credit card with capital one in XXXX and accrued XXXX rewards points. The business the card was opened for unfortunately had a rough year w one of the partners embezzling a lot of money out of the company, forcing the company into bankruptcy. The card has not been used in a quite a while so I did not think to move the points out of my account into one of my other capital one accounts w rewards points. 
My account was in good standing, I dont believe there was any debt on it, ( maybe an annual fee charge ) and I feel that capital one should gift me the points back as there is no reason I should be penalized for a partner destroying my business. I called on XX/XX/XXXX and didnt have any luck getting an employee to assist in retrieving or replacing my points. Its been a very difficult year and this is really pushing me over the edge, as I planned to travel w the family to get away from all this.
Product: Credit reporting or other personal consumer reports

Seeing accounts on my credit report that I never opened has been both shocking and frustrating.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Chase Bank for improperly reporting a balance on my credit report that was supposed to be covered by GAP insurance. This balance should never have been assigned to me, as my GAP insurance provider was responsible for covering the outstanding amount due to an insured incident. Despite my efforts to resolve this matter with Chase Bank and to inform them of their error, they have continued to inaccurately report this balance, causing undue harm to my credit. 

This conduct violates the Fair Debt Collection Practices Act ( FDCPA ) as it constitutes a misleading representation of my debt obligations. It is Chase Banks duty to verify the accuracy of the information they report and to refrain from representing any balance as due when they know, or should have known, it was supposed to be paid by GAP insurance. The reporting of this balance as a legitimate debt violates the FDCPA 's prohibition against using unfair or deceptive means to collect a debt.
Product: Checking or savings account

I walked in chase bank and opened a checking and savings account on XX/XX/year> I had a check in the amount of XXXX dollars from a settlement case I won due to a car accident I asked them to open a savings account and to deposit XXXX in that account and the rest into the checking everything went fine and they said they will be a 7-10 day hold on the funds because of the large amount I said ok thats fine on XX/XX/year> I receive a text message saying there was suspicious activity on my account and to call the XXXX number which I did the representative tell me that chase decided XXXX close my account I asked why she claimed she could give me a reason and that chase doesnt have the obligation to tell their customers the reason and that I signed that in the agreement when I opened the account she then asked me where the check was from I gave her all the information and explained it was from a settlement from a car crash law suit she then said ok so chase will close your accounts it will take up to 10 business days for the account to close then we will send you the money back that will also take up to 10 business days I asked why whats the reason and if I should go to the branch she said no and we can not tell you why now come XX/XX/XXXX I called to get an update on my money they told me they have to verify the contact number of the lawyers office I provided then every phone number my lawyer has contacted me in and they claim that the numbers arent verified and theres no alternative but to get a verified numbers so that chase can legally contact them I asked them if my lawyer can call them I can even put him on three way they claim thats. Or possible and the only way is to get the lawyer number to be verified which his number is clearly public record I dont know why chase is putting me thru this hard ache I have bills to pay and now my credit cards have late fees due to my funds being on hold
Product: Credit reporting or other personal consumer reports

WF/DILLARDS placed a Charge off /Collections status onto my consumer report without my knowledge nor my written instructions
Product: Mortgage

In XX/XX/XXXX, we signed and agreed to a loan modification with our then current mortgage company, XXXX XXXX, to reduce our monthly mortgage payment from {$2400.00} to {$2100.00}. In XX/XX/XXXX, XXXX XXXX transferred our mortgage loan to LoanCare , LLC ( XXXX XXXX XXXX ) without our approval or consent. We received a letter from XXXX stating that the transfer will not affect any of the terms of our loan, however, our monthly mortgage payment has since increased to {$2200.00} and continues to increase every few billing cycles. Also, LoanCare , LLC imposes late fees after the XX/XX/XXXX of every month and charges payment fees to pay by phone or pay online. We currently have approximately {$570.00} in fees owed to LoanCare , LLC. 

We have tried to reach out to LoanCare , LLC and they said will not retract the fees and they will not return our calls about the monthly increases. Also, we called XXXX XXXX and since they no longer service our loan, they would not help. We are deeply troubled by the effects of what has happened in the last 12 months and are seeking to get this resolved and/or receive restitution. 

We believe XXXX XXXX AND LoanCare , LLC should take responsibility for manipulatively changing the terms of our mortgage loan. During the modification with XXXX, when we agreed to lower the payment, we were 6 years into our 30 year loan, but the modification of the loan started a new 30 year life of the loan.So we had lost 6 years of our loan term to modify to a lower payment, only to have the loan be transferred to LoanCare , LLC in which they increased the monthly payment and imposed more fees. I think this is unethical and irresponsible of any mortgage bank entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a mortgage and XXXX XXXX XXXXXXXX and Experian let me know they update correct balances monthly ( not virtual ) so you have to wait which keeps your score lower than it should be and you pay more. 

I am sending attached what the actual balance is as of today and what Experian and XXXX are still showing, it would move my score please update it, its XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Requested from the credit bureau equifax on three different occasions, by certified mail and the first time through the online dispute process about incorrect information on my credit file # XXXX and Acct # XXXX. 

The first time i contacted them was on XX/XX/XXXX via online dispute i informed them about inaccuracies listed for a public record of a bankruptcy that is being reported on my credit file.I also let them know that I was requesting to verify the method of verification used by your agency to list this information on my credit file. According to the bankruptcy court they do not verify bankruptcies with the credit Bureaus.i requested they provide me with the following : 1. The courthouse name ; 2. The name of the person who verified the bankruptcy ; 3. The court address ; 4. The court telephone number ; and 5. The documentation used to verify the dispute.

I Also let them know i am aware that According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states 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 And Furthermore, a third-party furnisher of information, such as XXXX XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ) In  Response to this they never supplied me with any of the documentation i requested, i mailed two certified mailings to them in response the all 3 of the same responses i was given by them, one was mailed on XXXX/XXXX/XXXX and the third correspondence was mailed on XXXX/XXXX/XXXX, they have only said the information was updated and still remains on my report without providing any proof of this from the bankruptcy court not a third party. they have failed 3 times to provide any of the information i requested so i requested that they Delete this from my credit history but with no success or proper response.
Product: Mortgage

I do n't know where to turn. Ocwen has a class action suit levied against them and is forced to pay some homeowners money back. My issue seems pretty simple. Ocwen acquired my XXXX mortgage when XXXX/GMAC declared bankruptcy years ago. I declared bankruptcy near the same time, but I signed a letter of intent for both of my mortgages with XXXX/GMAC at the time ( 1st ended up with XXXX which is almost as bad, XXXX with Ocwen ) and my payments have been current since XXXX/GMAC modified my loan long before either BK - that is after the initial mixup many have found with Ocwen where I follow their instructions to change the payment from my bank account, it was lost, I changed it back to the old " Pay To '' and problem apparently solved since they 've taken my money ever since. Both mortgages are still showing on my credit report as negative because they show closed/discharged in BK. Neither servicer will take responsibility to correct the erroneous credit reporting. Why is this an issue? Because I want to refinance with someone, ANYONE else but the negative marks make me less than a favorable choice for any kind of loan. How are they getting away with this? How do we the consumers fix it?!
Product: Checking or savings account

Navy federal was charging between XXXX to XXXX, for money they proclaimed I had
Product: Credit reporting, credit repair services, or other personal consumer reports

Whereas on or about XXXX, i entered into a contract with XXXX XXXX XXXX regarding a vehicle. after obtaining this vehicle for about XXXX months, i then begin receiving phone calls from said party stating that i was behind on Two payments and, my response to them was that their records were incorrect, so i requested for them to provide me with the dates that they claim i've missed. After receiving the information, I then contacted my financial institution for print outs of these transactions that i knew i had made with said party 's with my check card. whereas i then contacted XXXX XXXX XXXX and, advised them of the mistake on their behalf, they listen to me and i thought that was settled. But around 6 months later on or around XXXX i started receiving calls and, alerts from creditors and credit agencies concerning my credit score and, negative item 's on my report, in which this was causing me and my family to be denied of the luxury 's that i have worked so hard for, all because of the evil acts directed towards me. At this time my previous living property was being sold and the property was being remodeled, we were actually living within our vehicles until XXXX answered our prayer. I contacted the credit bureaus submitting disputes to all three major bureaus, it only seemed as if the credit bureau was only concerned with the other party 's complaint and, i never heard anything else, XXXX XXXX is now claiming that i'm 4 months behind in payments, why would someone be so malicious towards a person that they do not know. i later found out that i was actually being charged a late fee without even knowing, there was know under writing stating that a late fee would automatically charged to me. i agreedied to pay {$XXXX} every XXXX weeks ( bi-weekly ), but i found out that the actual fee is {$XXXX}. i have all supporting documents that will prove that i owe nothing on this vehicle that show that i am behind on this contract. Even while this pandemic is happening world wide, these people ( XXXX XXXX XXXX ), do not care.
Product: Debt collection

They called my employer without my permission. XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already contacted company by submitting a certified letter to each company and as of yet have not heard anything back, and I want these hard inquiries removed immediately. 


XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - Equifax/XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX  hard inquiry XX/XX/XXXX -, XXXX   XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XXXX Equifax ; XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX , XX/XX/XXXX XXXX  ; XXXX XXXX XXXX, XXXX hard inquiry XX/XX/XXXX - XXXX ; XX/XX/XXXX, XX/XX/XXXX - XXXX All of these companies sent a certified letter of dispute XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly statos that I have the right to privacy. U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. U.S.C 1666B : A creditor may not treat a payment on a credit card account under ar open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immadiately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Therefore, 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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

In XXXX 2016, I reached out to a Caliber Home loan processor to see if I would qualify for a home purchase because I had home previously and had to file bankruptcy. After an in-depth phone interview. I was told to provide all information that was discussed, I did. The loan representative sent me a total of 3 different preapproval letters, non of which turned out to be accurate, as I was n't preapproved. After a great deal of searching, in XX/XX/XXXX, I found a home and wrote a contract, which the loan officer acknowledged. My closing date was scheduled for XXXX/XXXX/16. During this period I continued to provide information as requested. As I got closer to the closing date without any communication from the loan officer, I sent an email to request information about if the closing was set. She finally responded back to me letting me know that my loan had been suspended. I had to contact her because apparently this was n't important enough to call, send an email or text for. The day before I was supposed to close I get an email that states the underwriter has my information and she is expecting approval the following week. The day I was supposed to close the loan officer says the underwriter wanted another letter from student loans, which would have taken 30 days at a minimum. Additionally, the seller was only willing to give two weeks extension at a significant financial penalty. I was out of money and had nowhere to go. I thought that all of this had been looked at prior to issuing me a preapproval letter. 
I reached out to a different banking loan processor and provided same information that was given to Caliber Home Loans and in one week ( and no money out of pocket ) I was told that according to new regulations I did n't qualify to make a home purchase. I needed to wait at least another year. I feel like this is information the caliber loan officer should have provided me instead of having me payout and lose {$1600.00}. Recently, I have had tried to communicate with Caliber Home Loan corporate office but all I get are excuses and them trying to justify they are right. Caliber Home Loan is trying to make it my fault that the loan officer procrastinated or that the loan did n't go through. I do n't feel as if they did their due diligence. If the rules were changed the loan officer, who is a " professional '', should have made me aware prior to the day before and the day of my closing. At least, if she had, I could have taken advantage of the contingencies built into the contract and received most of my money back. 
This entire experience has caused me and my family XXXX and XXXX.