23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing to file a formal complaint against the Huntington Bank XXXX located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In the XXXX XXXX XXXX. 

On XX/XX/year> during the morning time. I had a concerning experience with one of the tellers, named XXXX, who was assisting me with my account. During my visit, I had to briefly step aside to make a phone call to my husband. 

Upon returning to the line,. I requested XXXX not to discuss my situation with XXXX and indicated that I was willing to wait for her assistance. Despite my request, XXXX abruptly informed me that she could not help me and directed me to XXXX. XXXX proceeded to process my transaction, and as I was leaving the bank, he called out my name and made unwarranted remarks about my behavior towards XXXX. Allies exact words where XXXX let this be the last time you yell at XXXX, this better be the last one you come in here to yell at XXXX otherwise I will talk to the XXXX and make sure you dont step foot in this office every again XXXX XXXX was not talking to me he yelled this out to me as I was walking out the banking center. While other customers were present. I found Allies behavior to be unprofessional and disrespectful. I am an XXXX  customer with XXXX  XXXX. It may seem like Im talking loudly but it is never on purpose. This is something they do not know or have respect for. No customer should be subjected to such treatment by bank staff. I expect a certain level of professionalism and courtesy when interacting with bank employees, and this experience fell far below my expectations. XXXX 's conduct towards me was nothing short of disrespectful and intimidating. Instead of allowing me to voice my concerns, he threatened me with consequences, including reporting me to the XXXX and barring me from the banking center. This public display of aggression and lack of respect left me feeling deeply humiliated and disrespected in front of other clients present at the time. Dolly Vega 1 ( 312 ) 270-9022
Product: Student loan

Navient granted me forebearance several times due to my hardship caused by hurricanes and loss of employment. They also refused to accept a full loan payoff five years ago, and have refused to provide records and communicate by mail. I lost my records in hurricanes that took place in XX/XX/XXXX & XX/XX/XXXX. My account is paid up to date, but due to Navient raising the interest rates I still owe {$3200.00}, but the loan is now over 20 years old, I am a senior citizen living on social security. I believe that due to the raising of the interest rates that I have overpaid by thousands of dollars the original amount owed. Navient is not treating me well, I have tried to resolve the issues but I feel I have been taken advantage of by Navient, and they are not treating me legally or ethically in regard to how much I have been required to pay to satisfy my original obligations.
Product: Credit card or prepaid card

I have been a card holder with Synchrony Financial ( Gap Visa ) for over 4 years. I have always made my payments regardless of my situation. I lost my job and was still making payments after attempting to have them work with me on the payments due to lack of income. They were unwilling to work with me so I had no choice but to make my payments. Prior to my job loss, I had never made a late payment with them. I continued to make payments, even if they were late, the late fee was paid along with the payment. my XXXX 2017 payment was made in the amount of XXXX. When checking my credit report, I noticed a 30 day late payment and called the company, I was told that it was because my bill was XXXX and I only paid XXXX I requested that they remove the late payment in good will for an honest mistake ( after I paid the additional XXXX dollars ). The company refuses to remove the 30 day late and it is impacting my credit score by 100 points. I am unable now to buy the home I was in the process of purchasing for XXXX dollars and an honest mistake. I even paid the entire balance off the following month and they are still not willing to help me even after I have been a good loyal customer for years!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

Company claims to be a law firm trying to collect debt as a 3rd party debt collector. The firm has been verified by the Secretary of State that it doesnt have Surety Bonds to collect debt, but has seized and collected debt through a contract that was made and signed on XX/XX/2022 for the amount of {$200.00}. Possibly a scammer using past law firm information from multiple sources OR a Law Firm operating WITHOUT SURETY BONDS. Contacted Secretary of State who verified the following companies do not have surety bonds and that they have been canceled, but are continuing to operate and collect debt ; XXXX XXXX. XXXX, XXXX XXXX XXXX, West law group, west law group PLLC. The Law Firm has been asked to send a receipt for proof of payment and refused, the firm was requested to send a copy of the original creditor contract and refused. The contract is signed under XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Tx XXXX, XXXX, XXXX. May go by the name XXXX XXXX XXXX XXXX Westlawgroup.
Product: Student loan

I applied for XXXX last year and this year and payments during XXXX even if {$0.00} were supposed to count towards total payments made. I am in the XXXX XXXX and sent the application twice. Paper form and electronic. Still nothing forgiven or counted towards it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent reporting on behalf Experian ;
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists " XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 XXXXXXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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: Student loan

The amounts applied to principal and interest vary widely each month. 
For instance In XX/XX/XXXX - {$140.00} to Principal and {$91.00} to Interest In XX/XX/XXXX - {$23.00} to principal and {$210.00} to interest This has continued every month for years. And the lender customer service rep will not or can not explain why and refuse to help me understand or resolve. The loan has not been paid late is not in default. And has always been in good standing. Univ XXXX - XXXX program Stafford loans subsidized and unsubsidized
Product: Payday loan, title loan, or personal loan

In XXXX of 2019 I went to pay my bill online at Avant.com. The website stated my current amount due was {$0.00} so I called Avant and asked if this was correct. They stated it was and said they would send my account to another department to verify this was correct. I waited another week with no response from Avant and decided to follow up to see the status of my XXXX payment. I spoke with another representative from Avant who informed me that everything was fine and my next payment is due in XXXX. XXXX rolls around and Im a month behind and now owe 2 payments. I called Avant back and they assured me everything was fine and their investigations department was fixing the month behind payment. This goes on for three months until XXXX and then they decided to take two payments at once and overdrafted my checking account. I still have not received my overdraft fee back from them and have recently refinanced this loan through a local bank. I was very upset with Avant, their mistake dropped my credit score by 50+ points and they will not resolve any issue or call me back or email me. I would like to have them remove any negative marks on my credit that they have put on it, we are in good standings and theres no reason for them to be on my credit report with negative marks. I shouldnt have to pay higher interest rates because of their mistakes. Thats not fair to me or other consumers.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that this account was not reporting accurately. I had one late payment on XX/XX/year> which is simply untrue. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. the account is - XXXXXXXX XXXX XXXX XXXX XXXX. with a credit limit of XXXX XXXX and it was opened on XXXX XXXX, XXXX this account is showing false information so I ask for an investigation on this account across all three major credit bureaus. my social security number is XXXX.
Product: Credit reporting

I have disputed the reporting of accuracy for account XXXX over 5 times with Experian. I have recorded phone conversations with the assigned rep over the phone telling me that he would remove the past due notation from my report after he verified that he received the fax that I sent to Experian on two separate occasions. The XXXX account was charged off back around XX/XX/XXXX or XX/XX/2014. There are several different areas of concerns with Experian : When you challenge them they place your file into segregation and assign your account to their consumer affairs rep. Which this rep will investigate one time and basically use previous investigations to determine that the validity of the account doesnt need to be re-investigated. This account has several violations that violates the FCRA and the FDCPA.
Product: Debt collection

I have called multiple time request account to be removed from Credit until the debt is validated there is no information about the detail of the debt call today and they offer to settle at the same time that i am disputing the debt on previous call agent scream at me a have to told her to respect me information yo validate the debt was never send please removed from Credit the tactic use to collect the debt also was repotted to Credit with out sending any documentation by mail for the opportunity to dispute the debt
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXTo support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit card

On or about XXXX XXXX, 2015 I received a message from Citibank advising me that due to suspicious activity on my account ending in XXXX another card was being issued. The message stated that I could still use the card XXXX until the new card arrived. I checked online and noticed numerous charges on my account ending in XXXX. I had given the card to my son, XXXX XXXX to use in an emergency. I tried to contact XXXX to tell him to stop using the card. I was unable to contact him. I called XXXX and spoke to XXXX ( I.D . # XXXX ) on XXXX XXXX, 2015 and asked her to freeze the account. I checked my account later and found that more charges had been applied to acct. XXXX. I called Citibank again on XXXX XXXX, 2015 and spoke with XXXX. She said a freeze was applied to the new card issued XXXX but not applied to XXXX card. I told her that made no sense as I had not received card XXXX. She agreed and apologized for what she called " the confusion ''. I told her I was not responsible for charges after XXXX XXXX as I had requested account be frozen. Account XXXX was closed and another card XXXX XXXX was issued. I checked my account later and all charges after XXXX XXXX, 2015 were still posted to my account. I called on XXXX, 2015 and spoke with XXXX . He said he would " take care of it ''. I checked my account again on XXXX XXXX, 2015 and all charges were still on my account. I called Citibank again on that date and spoke to XXXX ( XXXX # XXXX ). I checked my account later and charges had been removed from account. I checked my account XXXX XXXX, 2015 and some charges had been reapplied to account. I called Citibank and spoke to XXXX, then XXXX in Florida office. I was told that phone conversation from XXXX XXXX, 2015 would be reviewed and I would be receiving a letter from XXXX I have heard nothing from Citibank since and charges are still posted to my account. Since I was unable to contact my son and tell him to stop using card XXXX I felt my only option was to have the account frozen. I was told this was done. It was not. My agreement with Citibank states that I am not responsible for unauthorized charges. Charges made after XXXX XXXX, 2015 were not authorized because I had requested that account be frozen. Citibank seems to be refusing to accept responsibility for a mistake made by their employee.
Product: Debt collection

Ive called them several times, the most recent being last week. I did not know this was on my credit until it appeared as I never received my notice of right to dispute. They are more than aware the address they have on file for me is incorrect because they ask me to update it when I speak to them. I want to be able to take care of this, but only if it will no longer hurt my credit.
Product: Checking or savings account

My account was charged on XX/XX/XXXX with 18 different transaction from the same name " XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is NOT authorized by me. First of all, this transaction was made in XXXX in person, and I was at XXXX at that exact same date, so it is not me who have made the transaction. Second of all, the customer service I called clearly told me that my card was added to 3 other XXXX XXXX account that is not mine and that's where it got hacked. The customer service person also told me that this is XXXX XXXX  not my fault and that they will be returning my money back to my account and told me not to worry about it. This seems like Chase issue for not having a better security for their card and resulting in my card getting add to 3 more accounts that's not mine. My card number was clearly hacked in someway and used by other people. Chase however, denied my request and did not give me my money back which is really unfair.
Product: Credit card

on XXXX i XXXX : XXXX applied for a XXXX XXXX XXXX American Express card on behalf of XXXX XXXX XXXX Ref id number XXXX. I was denied XX/XX/XXXX and sent an affidavit on XX/XX/XXXX with return receipt requested mail, demanding my credit decision be overturned due to my application being monetized, and the securities from of my application being deposited into their institution. Because they denied me access to my credit that was created with my application as a promise to pay. My application became my negotiable instrument which became my collateral and was deposited per 12 USC 1141 ( g ) ( 2 ) They are are violating the Equal Credit Opportunity Act and Securities Fraud Act under 18USC 1348, The law clearly states that all applications that are not returned must be approved. 15 USC 1691 ( a ) clearly states " it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction scation. Failure to comply is defined as adverse action against a consumer, which is illegal. '' I did receive a letter back on date for XX/XX/XXXX and XX/XX/XXXX that i got on XX/XX/XXXX that stated they stood by their decision i sent out another affidavit to get my credit card issued to me or i will be filing a lawsuit.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$390.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$390.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$390.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX 2030
Product: Debt collection

XXXX XXXX XXXXl and the people who claim to represent it are attempting to collect payment for an alleged scratch to the driver side door of a rental car, but are withholding basic information and acting in a deceptive manner. I have repeatedly asked for a copy of all prior repair estimates for the vehicle, confirmation as to whether repairs were actually made and a detailed final invoice for the actual repairs performed. My polite correspondence has been met with deception, hostility and attempts to intimidate. 


The requests for payments are coming from Los Angeles Collection Service  and an employee of XXXX  XXXX named XXXX XXXX. XXXX XXXX claims that XXXX  XXXX owns XXXX XXXX XXXX, although he has been unwilling to provide any documentation to back-up this claim. 


The reason I am asking for a copy of all prior estimates is that the car had significant pre-existing damage to the rear bumper, which would have required auto body work that duplicates the work that XXXX XXXX XXXX is trying to get me to pay for. All parties agree that the car was damaged before entering my possession. There are pictures and a video that prove the existence of pre-existing damage. The damage that XXXX XXXX XXXXl claims I am responsible for is a scratch to drivers side door, and yet they want me to pay for 5.8 hours of labor, plus parts, for the cars already damaged bumper. 


One of the few documents that I have been provided with is a " Preliminary Estimate ''. Unfortunately, the Preliminary Estimate conflicts with written statements from XXXX XXXX. For example, XXXX XXXX has claimed ( in writing ) that Im only being charged for 2.2 hours of labor for work to the cars bumpers ; however, the Preliminary Estimate shows 5.8 hours of labor. My conclusion is that either the Preliminary Estimate is incorrect or XXXX XXXX is lying. 


In order to help resolve the gross discrepancies between XXXX XXXX XXXX XXXXs written statements and the Preliminary Estimate, I have asked for a copy of an invoice showing the actual repair costs to the vehicle. XXXX XXXX XXXX admits that the repairs have already taken place, but refuses to provide me with a detailed final invoice. 


I attempted to resolve matters over the phone, which resulted in XXXX XXXX yelling at me and acting in a hostile manner. I attempted to resolve matters with correspondence, but XXXX XXXX responds with inaccurate information and wild speculation. 


Additional Information : -The rental car was returned to XXXX XXXX XXXX ( by me ) on XX/XX/2018XXXX XXXX XXXX   alleges that I returned the car to them with a new scratch to the driver side door. 

XXXX XXXX XXXX has demanded {$1800.00} for repairs. 

-To my later objection, my insurance company paid XXXX XXXX XXXX {$800.00}. 

XXXXXXXX XXXX XXXX is demanding {$1000.00} from me.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fee I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices were unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX  all show an incorrect balance for XXXX XXXX. This account has had a XXXX balance for more than XXXX  days and is not reflecting on my credit reports which is negatively affecting my credit and I am requesting that it be updated.
Product: Debt collection

DEBT COLLECTION COMPANY IS REPORTING A DEBT CAUSE BY IDENTITU THEFT TO MY CONSUMER REPORT.