23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have never to this day received any form of contact at all about this debt. No validation notice, no calls, no letters, nothing at all was done as required by law.
Product: Vehicle loan or lease

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS { XXXX ] RE : XXXX /Drivetime Account # : Vehicle : XXXX XXXX XXXX XXXX  XXXX VIN # : XXXX c To Whom It May Concern : I am writing in regard to the above referenced accounts and transactions. This vehicle was repossessed by XXXX XXXX  in the State of Texas on or about, XX/XX/XXXX and resold on or about XX/XX/XXXX by ( auction company ). Under the laws of the State of Texas and XXXX XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severely fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and XXXX - XXXX remedies. Best Regards, XXXX : XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights
Product: Bank account or service

As part of my Health Care Plan for 2015 with my last employer, I opened an HSA Account, which is with HSA Bank, subsidiary of Webster Bank. I enrolled for electronic statements and here is where the problems started. I have not been receiving my statements, including the alert informing me that my statement is ready for viewing/download. When I log into my account online I see the activity on my account including the monthly service fee, but when I click on the Statement Tab to view my statement no statements are available. I have called customer service each time and I 'm told the same thing, it 's a problem with the " new '' system. Once on XXXX XXXX, 2015 I got a secure email to access my missing statements for XX/XX/XXXX thru XX/XX/XXXX. I called again in XX/XX/XXXX about my statement and was told again it was due to system problems that they are working through and they would email me the missing statement. I never received that email. I called again today, XXXX XXXX, 2015, after going online and finding the statements were still not available. Only to be told the same thing ... .system issues. I am missing statements for XX/XX/XXXX through XX/XX/XXXX. However, as usual my account is being assessed a monthly fee. 
I know based on my other bank accounts, including my previous HSA with another employer, that I am required to get statements monthly and a notice when an eStatement is available with a link or instructions on how to download the statement. I am at my wits end and as a last resort is reaching out to the CFPB for help. I Appreciate any assistance you can give me to resolve this issue. I have requested the customer service representative escalate the issue to a superior, which she said she would and I am waiting for a response but since I never received follow-up the last time my expectations are not high that I will this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX need to remove any late payments associated with account XXXX being reported because they are in violation of 15 USC 1681e, 15 USC 1666B and 15 US Code 6802. 15 USC 1681e Requires credit furnishing companies to report accurate information to be in compliance. According to 15 USC 1666B Timing of 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. Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A finical institution may not disclose nonpublic information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


Provide proof that opensky is in compliance with 15 U.S. Code 6802 or remove the late payments associated with account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts reporting on my credit file does not belong to me and I'm demanding that these accounts be blocked. If you as the reporting company can not provide me with physical documentation of a signed contract in regards to these accounts then you must remove them in accordance with the FCRA laws.., these accounts shall be blocked, 1 ) XXXX XXXX {$820.00} 2 ) XXXX XXXX {$670.00} 3 ) XXXX XXXX {$120.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX - XXXX XXXX. XXXX 6 ) XXXX XXXX XXXX - XXXX XXXX, XXXX
Product: Vehicle loan or lease

I was accepted for a loan of XXXX $ with XXXX XXXX interest my monthly payment is XXXX $ a month but it is very difficult to keep up. I am doing the XXXX plan with the interest I will be paying around XXXX $ I am looking to file against them for a predatory loan.
Product: Mortgage

this has been doing on for the last 3 years. 
My loan has been moved around. LakeView and XXXX XXXX. 
I paid over the amount to reinstate my home back in XXXX 2017. At that time- the extra money was to be applied to current and future payments. Instead, the payments got applied to fees that dont have any explanation to them. Over over $ 4k dollars. 
There was a payment on my account around {$1600.00} that has never been applied, My ex wife is still on my loan- and I have been told several times this would be resolved and taken care of- and still has not. 
I filed bankruptcy to save my house. Money was applied and yet never shows up. I was told there is yet another sell date of the XXXX of XXXX. 

Also- on some documents it is showing that my interest on my loan is in the 5 % range. Not sure when this happened. As well as two different amounts for the payment. One from XXXX XXXX and another from Lake View. Not sure which one is which and why there are two.

Myself as well as my attorney have tried to get the pay off amount and never were able to get that amount. Also when we filed bankruptcy the loans continued to serve me with sale date notices.

At this point I don't even know where to turn or to get answers. When the trustee and attorney aren't able to get clear information- I am in need of your help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX reporting an inaccurate late payment on my account. This is a violation of 15USC1666 ( B ) Correction of Billing errors. I've talked to them multiple times about this issue and they advised me to dispute the issue with the consumer reporting agencies. After multiple failed dispute attempts, it remains on my consumer report.
Product: Bank account or service

I opened a Citigold checking account with promotional code XXXX XXXX. I confirmed with a Citigold rep before opening the account that I was eligible for this offer. Just after opening this account, I confirmed again, and the rep confirmed that I was still eligible for this offer. I was supposed to receive my points by end of XXXX. I opened an investigation with Citi via chat and they said they would launch an investigation into the matter and let me know by XXXX/XXXX/2016. After that when I keep contacting them, they claim that the investigation will take a few days longer. The account has a monthly fee of {$30.00} which I have already gotten charged for ( and will get charged for again ), so I preferably want the miles ASAP.
Product: Checking or savings account

Hello, My personal bank account with Ally Bank was locked after I deposited a check of {$2500.00} that I recieved as restitution money from a criminal case where I was the victim of a crime. The case was mediated in XXXX XXXX XXXX XXXX XXXX and {$2500.00} check was handed over to me as restitution for the damages incurred. Then check was issued from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX who was representing the defendant. The check for {$2500.00} cleared however, days later my account was placed on hold for fraud investigation. After multiple calls to the Allys fraud department, no explanation was given to me other than the account is under investigation and the funds were locked. After 35 days the account was closed and my personal funds are withheld with Ally bank. Ally bank has told me that they are not returning the funds because the {$2500.00} check could not be verified even though the check cleared and there was no issue with it or complaint on the check from either party. However Ally placed a hold on my account after the check cleared because they said they had to verify the check even though it had already cleared and they claim that made multiple attempts to verify with the lawyer firm and with their bank with no response. Strangely, when we call the law firm and the bank we are able to reach an associate and they said they were not contacted by Ally Bank. 

We do not know how to get justice on getting my money back. Ally is claiming that the check for {$2500.00} which was restitution money from a law firm is not my money as they repeated this to me several different times through several different fraud customer service agents. 

We also read many reviews of Ally bank locking peoples account without a good reason to believe it would be fraud and we want to bring to CFPB for investigation as it may be happening to other people. 

We are happy to provide Allys fraud department phone number, the lawyers phone number and their bank contact number and statement showing my funds and the picture of the check and the court letter. 

We would like your help to solve this issue and bring customers attention who are banking with Ally Bank! 

Thank you, XXXX XXXX
Product: Debt collection

RETAIL MANAGEMENT ASSOC. a debt collection reported three medical bills on my credit. This agency is not licensed nor bonded to collect in my state. They should not be reporting anything on my credit. 
I have medical insurance that is paid and I met all of my deductibles. My insurance stated that they paid the claim. 
I sent for verification of this debt and they won't send me anything RETAIL MANAGEMENT ASSOC. took one emergency room visit and broke the charges down to make it look like several different visits. They also changed the dates This agency is illegal and need to be stopped
Product: Vehicle loan or lease

My interest rate is currently 9.99 % but I'm currently XXXX XXXX in the XXXX XXXX and stationed at XXXX XXXX in XXXX XXXX, Louisiana. 

XXXX Louisiana Laws Revised Statutes XXXX  XXXX - Military, XXXX, and Veteran 's Affairs XXXX XXXXXXXX - Limits on creditor interest rates XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is deployed on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of six percent per annum that otherwise would be incurred but for the prohibition in Subsection A of this Section are forgiven. 

XXXX The amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made. 

XXXX XXXX order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than one hundred eighty days after the date of the person 's termination of or release from XXXX XXXX. 

XXXX Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

XXXX. A court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of six percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

Acts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I got approved for a sba loan in XX/XX/XXXX. I got one in XXXX also and it went to first horizon bank in XXXX. Since then my account with them has been closed since XXXX. I didnt get the government my new account information in time so the funds were deposited to the closed account on XX/XX/XXXX. I told the loan provider and they said since the account was closed it would be rejected and they would put it in my current account. Days went by and the loan provider still havent received the funds so I decided to call first horizon to see if they had the funds and they said they did have the funds and they were available. They told me to download the banking app and I could see it. I asked them why they would open an account that have been closed over a year without my permission and they could not tell me.So I opened the app and it said my account was XXXX XXXX dollars negative so I called back and they said it was a hold on my account and cant tell me why and someone would call me. No one ever called me So today XX/XX/XXXX I called at least 4 times and they told me the same thing so the last time I told them Im not getting off the phone until they tell me why they are holding my money and they said they were sending it back I said when they said they could not tell me that all they know is that they are sending it back I said why would ya open account take money I owe ya and then put the account on hold to prevent me from getting the money and then tell me ya sending it back. Its been there since the XXXX and he said cause he can. I have a new address but the same number no one ever contacted me. So they have my money and wont release it and wont tell me when they are sending it back reopened the account without my permission
Product: Bank account or service

My XXXX cash deposit turned into XXXX by magic, Went to do a cash deposit at bank of America on XXXX and XXXX at about XXXX yesterday, I had XXXX XXXX XXXX dls bills and the rest was all XXXX, when the teller count the money in the bill counter machine it was only XXXX, When I handled the money to the teller I had the money in My rear left side pocket, I leaned to the left to verify My pocket was empty, and then the money was short, Money was carefully counted before taking it to the bank, when shortage was discovered, money was returnes to Me, wen to My wife she drove home just to verify but there was nothing to be found, so I went back to the bank and made a {$2500.00} deposit and another {$280.00} deposit for payment to someone else, I went to the bank manager and reported the situation, He went to the teller and I think counted the money and everithing checks out ok, however I THINK the teller somehow separated some bills before they made it to the counting machine, I asked the Manager if they could see the tapes and He said tapes were for their protection and did not think that was possible but will try, This loss is great damage to Me and extremly unfair, I am sure I did not drop the money somewhere else,, I am blaming the teller please see if You can see the pictures or if You can help Me in any way
Product: Credit reporting

I am a victim of identity theft and have some fraudulent and unauthorized credit inquiries and an account listed on my Experian credit report that do n't belong to me. I sent a police report from XXXX XXXX Police Department a few week ago to Experian in reference to the unauthorized and fraudulent credit inquiries and account. The police report case number is : XXXX. The following credit inquiries and account is fraudulent and unauthorized and do n't belong to me : 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 credit card account
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$5200.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$10000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have fraudulent account from XXXX XXXX on my credit report that just popped up today as collection status. I never opened this account and I XXXX XXXX has not been able to verify it.
Product: Credit reporting or other personal consumer reports

Name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DOB- XXXX Last XXXX of XXXX XXXX XXXX name : Equifax Credit Information Services, Inc Bureau address : Equifax Credit Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I looked at my report recently I noticed an inaccuracy in my address and phone number Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report will follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverified information ( A ) In general if, after the reinvestigation is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I have been writing letters to have the inaccurate information removed from my consumer report. There are incorrect addresses on my report. Places I have not ever lived. violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. My credit report contains inaccurate information that I have disputed with the credit bureaus, but they have failed to correct the errors as mandated by law. 
Please investigate this matter and take appropriate action to enforce compliance with the FCRA. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I discovered an unauthorized charge of {$1500.00} on my account business, used to pay for a XXXX XXXX insurance policy, which I do not have. On XX/XX/XXXX, I immediately contacted XXXX XXXX, and they initiated an investigation. I also reported the fraudulent transaction to Key Bank over the phone the same day. Although the call was disconnected, Key Bank placed a restriction on my account. 

On XX/XX/XXXX, I went to a Key Bank branch to resolve the matter. They conducted an investigation and filed a dispute, but it was later declined. The reason given was that I allegedly reported the issue too late, despite having notified them on XX/XX/XXXX. They claimed they thought the initial phone call was a scam, even though I was reporting an unauthorized charge. Around this time, XXXX XXXX contacted me via email, stating the issue was with the bank. 

I then reported the fraud to the XXXX XXXX Police and provided the case number to Key Bank, prompting them to reopen the investigation, which was again closed. The police later determined that the perpetrator was located in XXXX, but the XXXX stated they could not pursue the matter further.
Product: Student loan

Fed Loan Servicing did not tell me about the REPAYE program for over 9 months after its existence, and after I had already submitted renewal forms for another repayment program that they recommended. This cost me {$4100.00} in extra payments. The transfer process ( into the REPAYE program ) was done with errors on their part, costing me {$4000.00}. Fed Loan Servicing says that I " should have known ''