23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, XXXX I called 5/3 Bank to have the reverse a payment to the principle of my mortgage in the amount of {$1100.00}. When they processed the curtailment, they processed incorrectly of {$1100.00} and additionally reversed the payment, of {$560.00}, on my mortgage for the month of XXXX. At that time, I did not realize the reversal occurred. My XXXX mortgage payment was auto deducted from my account of XXXX XXXX with no issue. On XXXX XXXX, I received a phone call from the 5/3 Bank collections department stating my mortgage was one month past due. Clearly I was shocked to hear this. I tried to correct the problem on this phone call on XXXX XXXX. I was told I was unable to make a payment at this time because they were closed. I called back to the customer service department on XXXX XXXX to fix the problem. I made the payment to make my mortgage, in 5/3 eyes, current. I explained my issue over the phone and filed a dispute against the delinquency that was now on my credit report with the 5/3 representative. I filed this complaint on XXXX XXXX. I called XXXX XXXX to follow up on this process and was told it was still pending. On XXXX XXXX, I called again to follow up on the progress and was told it was denied. The representative I was on the phone with recognized my issue and could see that it was bank error. I was told that a supervisor in the mortgage department was going to be reviewing my phone conversation from XXXX XXXX and I would receive a call the next day. I never received a phone call, so I called on XXXX XXXX to find out that the supervisor that was supposed to review the call was not working. I was directed to a customer service supervisor that told me he was going to follow up on my issue and call me back the next day. Again, I received no phone call. I called XXXX XXXX to see if there was an progress on my issue. I was put into the voicemail of the original mortgage supervisor that was supposed to review my call. By end of business on XXXX XXXX, I still had not received a phone call back from anyone at 5/3. I called again right before XXXX est and was directed to a different supervisor in the mortgage department. She stated she would file the request again for the call from XXXX XXXX to be reviewed. Additionally, she escalated my issue to the office of the president. I called back on XXXX XXXX to see where this process was. I was able to speak with the individual in the office of the president. She started that it would take 15-25 days to review and respond to the case via email. She was extremely rude and could have cared less about this issue and the fact that it had been pending for 2 weeks at this point.

I am in the process of trying to get pre-approved to purchase a new home and because of 5/3 Bank 's error I am unable to move forward in my pre-approval process. 

I am seeking an end resolution that this delinquency be removed from my credit report so that my husband and I may buy a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank is still showing me as a joint member of an account I was removed from months ago. This action has destroyed my credit score from a XXXX to a XXXX, I have attempted to go into XXXX to fix this issue and the inaccurate information appearing on my credit report. The account belongs to my former spouse.
Product: Credit card

I have a Capital One Savor card and under the terms of the agreement, I am able to make as many monthly payments as I wish, without any penalty. 

I made one payment of {$1400.00} which was returned by my bank. This was not an amount due, rather a choice of mine to make an extra payment. 

My account was fully paid up and never late. 

Without any notice, Capital One closed my account. I had to find out by having my card declined and call them, then to be explained that they had decided to close my account due to one returned payment.

This is false marketing and misleading to a customer which wishes to make extra payments.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 DEPT OF EDUCATION XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit card or prepaid card

On XX/XX/2022, I was making a purchase at XXXX XXXX in the amount of {$1500.00} and received an email asking us to recognize and confirm the purchase. That was done, but still they didn't approve it and said needed to call for verification. I did that, answered a myriad of questions and then they asked me to send them a copy of my drivers license for further verification, which I did. That still wasn't good enough, so they told me they were freezing my account and the only way to remove the restriction was to physically mail a copy of my drivers license AND my Social Security card. I told them I would NOT send a copy of the card, as that is only setting me up for identity fraud ... it would be pretty easy for someone to steal my identity having a copy of my actual card. That account has a reward balance of {$370.00} and since I could no longer use the card, I wanted to redeem the rewards I had earned. Due to the account restricted, I could not do it online like I normally do. So, I called them and asked them to send me my rewards. They said they would not, since the account is restricted and they need me to mail a copy of my social security card to remove the restriction. Once again, I explained why I would not do that. They already have my SS information, bank information, drivers license, etc... I have made multiple calls and spoke to various managers and supervisors and no one will help me. They could not show me anywhere in my agreement with them that rewards would be held on restricted accounts or held XXXX unless I provide them my Social Security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States 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, credit repair services, or other personal consumer reports

I have written to Experian on more than once occasion, via certified mail, disputing information that I do not recognize, and are reporting inaccurately on my credit report. It has been documented with Experian, and the other Credit Reporting Agencies, that I have been a long-term victim of fraud and identity theft, therefore, I would like to escalate this matter through the proper channels, such as the CFPB, especially being that I have not been receiving the proper support from the Credit Reporting Agencies . All of my letters have been received according to tracking from the United States Postal Service, and nothing was done about these matters! First, I would like to correct and update my address on file. The one and only address that should be on file is " XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX ''. I included the most recent copy of my utility bill. Secondly, there are a few items that I wish to dispute, and I do NOT consent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Not only do I not recognize these accounts, I noticed that there are several inconsistencies as to what is being reported. I purchased my tri-bureau credit report, and noticed that the information being furnished by these companies are severely inconsistent. I understand that my credit report must reflect with 100 % accuracy and truthfulness, which it is not! I have reached out to these companies requesting documentation to support the information that they are furnishing via certified mail, and just like Experian, they have not responded, although my letters have been received. The burden of proof is now on the furnishers. I have requested that these companies provide me with any original contracts they may have which bare my unique signature, proving that I engaged in commerce, as well as any clear and conspicuous disclosure forms that bare my unique signature, reflecting that I opted into credit reporting. I have not received either or. I also requested a full ledger supporting any balances these companies are claiming that I owe to them so that I may review and cross reference that information with my bank accounts. This request is due to the incomplete and or " unavailable data '' portion of the payment history section of my credit reports. Also, how can someone be XXXX, or even 180 days late multiple months in a row? How can one be 30 days late, then 120 days late the next month? These things do not make any sense! I do not intend to be difficult, but as I have mentioned previously, I have been a long-term victim of fraud and identity theft, therefore I must do my due diligence with companies that claim that I owe a debt to them. Companies have been wrong in the past, and due to these events, I am inclined to believe that I am not the responsible party for these debts. I am demanding the immediate deletion of these items from my credit report.
Product: Credit reporting or other personal consumer reports

Dear MIDLAND CREDIT MANAGEMENT I've noticed you have been reporting my information to the 3rd party credit bureaus which are on my credit report XXXX I never gave you Consent to do so which is in violation. 
15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported 30 days late in XXXX XX/XX/2019 for a credit card account with XXXX. I submitted a dispute to experian on XX/XX/2019. The experian update shows me 30 days late in XXXX and XXXX of XX/XX/2019. XXXX is reporting that the monthly payment due in XXXX was {$240.00}, however, the online payment portal showing payment due shows {$140.00}. I raised this issue in XXXX XX/XX/2019 with a phone representative, who explained that I was formerly in the Hardship Program paying $ XXXX monthly, yet upon completion of the Hardship Program in XXXX the online portal system had not yet been updated, and that I had missed a payment forfeiting the benefit of the Hardship Program. I was told that if I missed a payment then the full higher payment would be due, calculated to be the higher amount prior to the Hardship Program. HOWEVER, when I called XXXX to complain, the phone representative explained that if the Collection Representative who calls is not an employee within the Hardship Department they will not be able to read the consumers account correctly to advise them on the correct payment to be made. When the Collection Representative called me in XXXX and XXXX seeking payment they asked me to pay the amount posted in the online system. One also noted that I made a double payment in XXXX and did not understand why their computer system identified my name to be called. Also in XXXX the payment payment says the minimum due is {$240.00} by XX/XX/19. Yet the online PDF paper statement says the minimum due is {$530.00} by XX/XX/19. The portal has never reflected the amount {$530.00}. This is a miscommunication to me as the consumer. The payment portal should accurately reflect the minimum due for XXXX, which is {$530.00}. Consumers should be able to rely on the information in the payment portal and not have to double check by launching a PDF to confirm the accurate amount. Therefore, I think it is unfair to consumers for XXXX to have an expectation that consumers pay an amount that is different than what is posted in the payment portal. It is an unfair business practice for XXXX to list an amount due in the payment portal, yet print a different amount in the Statement that Collections Representatives have not been trained to discuss with Consumers.
Product: Mortgage

Violation of California civil code section 2923.7 by SLS by refusing home owners to talk to single point of contact. 
SLS has established a single point of contact name XXXX XXXX ID XXXX on XX/XX/2023. I made two attempts to talk to a single point of contact, both has been denied. I was explained XXXX was not in the office and they had no idea when she will return. I request take message sent for single point of contact to call. This has not been done as well because a single point has not contacted me. After my message was taken, I was informed there no guarantee single point will contact me and when she will contact me. law. One of the reps gave me Hud phone stating she is supposed to provide under CA which I did not ask for but single of point I asked for. However other reaps I spoke none stated they were required to provide HUD phone number. 
After discussion I was explained I must remove cease and deist first before single int of contact will call me. This sounds wrong that and violation of California civil code section 2923.7 1. XXXX is not available when I call multiple times. 
XXXX. I have removed cease and desist before XXXX will call me back. 
XXXX. When I call XXXX is no in and I have been informed SLS has no records when XXXX will return and call me back XXXX. Then cease and desist must be removed before XXXX calls me. 
I have been denied right to talk to single point of contact in violation of ABA700 California homeowners bill of right by refused me to talk to single point of contact. By contradicting I must remove cease and desist before XXXX will call me back. 
Guaranteed single point of contact : If you ask for a loan modification or other foreclosure-prevention option, your servicer must assign you a specific person or team who can walk you through application requirements and deadlines, knows the facts and status of your application, including missing documents needed to complete your application, and can get you a decision on your application. ( Civil Code section 2923.7 )
Product: Credit card or prepaid card

I opened the account in XX/XX/21. I called before opening the account to ensure any fine print. They told me that I have to purchase the entire {$1000.00} in one transaction which is not clear from their attached promotion image from their web page at https : //www.homedepot.comXXXX. I made a single transaction purchase but they ended up giving me only {$25.00} which is the amount if I did not cross {$1000.00}. They told me that I ordered on two different dates - looks like their standard message. I told them I have the Home Depot order where I ordered 2 items with a total > 1000. 

On my first call, they said they will correct and I have to wait. My payment date was in XXXX and I was curious why they delayed by an additional month. 
Second call after 2 weeks in XX/XX/XXXX - they started saying they didn't have records that I ordered in one transaction. Then after an hour long call they check my original order and confirm that I ordered as per the promotion and should get {$100.00}. 
I called again today. This time, they have no idea and recall no prior contact. This time, she says I am not getting {$100.00} instead they will give 18 month no interest promotion. This is not there in any promotion in the website. They have a 6 month free interest and a {$100.00} promotion. 

My conclusion is either Home Depot or CITI bank is not acting ethically and must be brought to the public. The support person even closed my account.
Product: Mortgage

I am a service member in the XXXX XXXX and I applied for a VA mortgage with Pentagon Federal Credit Union on XXXX XXXX, 2020. 

I submitted all the paperwork and documents that were asked for. I was in contact with my loan officer and she then transferred me to a loan processor on XX/XX/XXXX. 

Since then, I have been unable to get any information concerning the status of my loan. I made multiple attempts to contact XXXX XXXX and his supervisor XXXX XXXX. Ms. XXXX voicemail is full and her email comes back as invalid. 

Mr. XXXX replied back on XXXX XXXX that he was sorry for the late response and will get back to me on the loan. 

I am now two days from my closing date of XX/XX/XXXX. I have spend {$850.00} in appraisal fee and inspections, and have {$3800.00} tied up in the earnest money that I risk to lose if this mortgage does not go through. 

Please help. 

Thank you. 

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

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act 1 ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Debt collection

For several months I have been receiving recorded messages threatening to take some undefined action against me if I do n't return the call within 24 hrs, or by the end of the day. These calls are mostly from XXXX and occasionally XXXX and XXXX. When returning the call to the first number there is no answer. At XXXX time they identified themselves as Highpoint Assets. They ask for a person who has a similar name to mine. These calls come at least daily and sometimes more often. I did reach a person at the second number and found out it was about some credit card, which I do n't have. The calls stopped for about 6 weeks and started again recently.
Product: Bank account or service

I found this bank online looking for banks located near a town I was moving to. 
I signed up for a Virtual Wallet account ... 
Which has turn into a performance account that has cost me money since DAY one! 
Unfortunately, due to recent moves and a lock out of my email ... 
I have had no access to this account since day one. 
I have called numerous times trying to close this acount. 
I was told I had to dive to a branch to close in person. 
I looked up the nearest branch online .. And surprise! 
It 's a garage. It was a XXXX hours drive for me. 
Sure that address is not online now? 
But I was upset because I was told that was that only way I could close my account. 
I have called many times in between, each time they tell me I have to complete something to verify the account? 
BTW I do n't have account information because I have NEVER been able to access the account from the moment I set it up. 
Noe I find out I 'm in a performance account? That I did not sign up for? 
and it 's costing me money every month? 
Who does that??? What kind of banking is this??? 
Please help??? I 'm very upset? 
They did not earn this money??????? 
I feel like I have been robbed!
Product: Debt collection

This is regarding a collections attempt for a personal/consumer debt of approximately {$18000.00}. The collection agency is Central Mediation Services. XXXX XXXX XXXX XXXX # XXXX, XXXX,, NY XXXX, ( XXXX ) XXXX. On XX/XX/19 my place of employment received a call from XXXX XXXX and spoke very aggressively with my business partner saying they were trying to serve me papers. He said if I didnt call him back they would send someone to my place of work tomorrow. He got his contact information and I promptly called back. I spoke with XXXX XXXX and asked him to remove my office/work number from the list. He then told me his client wanted to make an offer. I politely told him I wasnt in a position to make that decision yet. At that point he raised his voice and started to belittle and threaten me. I told him he could call me back tomorrow with my decision. He then hang up and called my office number again and spoke with my business partner and started to yell and belittle him also and go into detail about the debt that I owed, the settlement offer he gave and that he would start seizing my assets. After I had requested him to NOT call my office again. He then proceeded to call my phone again and again several times. I called him back and asked for his compliance department. He again started yelling and told me thats not going to happen. He went against several consumer collection protection laws according to the Fair Debt Collection Practices Act and Consumer Compliance Handbook : 1. A debt collector may not contact the consumer at his or her place of employment if the collector has reason to believe the employer prohibits such  communications. ( I had requested that XXXX XXXX not call my office/work number again. Within 5 minutes he called my place of work and went into detail about my debt with my business partner ) 2. Communicating with Third Parties The only third parties that a debt collector may contact when trying to collect a debt are The consumer The consumers attorney A consumer reporting agency ( if permitted by local law ) The creditor The creditors attorney The debt collectors attorney ( XXXX XXXX told my business partner the specific details of my debt ) 3. A debt collector, in collecting a debt, may not harass, oppress, or abuse any person. Specifically, a debt collector may not Annoy, abuse, or harass persons by repeatedly calling their telephone number or allowing their telephone to ring continually. ( I received 4 missed phone calls from XXXX XXXX in a 10 minute period from XXXX XXXX MT XXXX XXXX MT ) 4. Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt ( XXXX XXXX falsely told my business partner he needed to serve me papers, identified his business as XXXX XXXX XXXX and that he would have someone come by my office tomorrow to serve me papers, when no lawsuit has even been filed yet )