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

On XX/XX/2020 I tried to access my online account with SIMPLE, BBVA Bank which requires a text message verification. Unfortunately, what I did not know at the time is that XXXX  ( my phone service provider ) was having technical issues with text message delivery. I attempted several times to log into my account and was " locked '' out of my account. 

There was is NO back-up method offered to access the account. the only option was text message and without access to that service, there was NO other way to try to access the account. Then as I was LOCKED out of the account, I completely lost access to over {$3000.00} in deposits in my checking and savings accounts. I called the company and there is no after hour service, technical help, or way to verify to regain access. 

On XX/XX/XXXX, I called the bank to get access to my account. They VERIFIED that I am in fact the customer and then told me that THERE IS NO WAY TO ACCESS THE ACCOUNT. The representative said he thought it was " XXXX '' but that there is nothing he can do to give me access to the account until some " automated system '' in some other bank, releases the account LOCK. 

I can not access my own money because of a ridiculous technical lock that was obviously programmed by the bank without considering the consumer. There needs to be SOMETHING that protects the consumer from losing access to the account in the event they can not use text messaging for whatever reason. A text message should NEVER be the ONLY way to access an account at an FDIC insured financial institution. 

If you can not receive a text message, this bank holds your money RANSOM and then blames it on an illogical SECURITY measure that PREVENTS consumers from accessing their own money. 

I should have been provided IMMEDIATE access to my OWN account the second that they verified that I was the account holder.
Product: Credit reporting or other personal consumer reports

I am a victim of a recent data breach, which has led to unauthorized accounts and inquiries on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I formally request the immediate blocking and deletion of these fraudulent entries. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

My previous complaint I filed with cfpb against MOHELA was in regard to them not recalculating my new reduced payment. The payment was supposed to be recalculated with a new reduced amount beginning XXXX. Due to it not being recalculated I ended up paying the full amount of {$210.00} for the month of XXXX. 

Once they finally reduced my payment, it didn't go into effect due to a court order preventing the new student loan forgiveness plan from going forward. However, MOHELA provided me with the new payment amount of {$100.00}. Now that my payment has been updated, it meant that I overpaid for the month of XXXX because that is the first month that the reduced payments were supposed to go into effect. 

I spoke to MOHELA towards the end of XXXX requesting a refund for the difference that I overpaid. MOHELA told me that they would submit the request, and it would take a couple weeks or so to process. 

I spoke to XXXX ( supervisor ) from MOHELA on XX/XX/XXXX. She stated, it was day 22 of 23 of the max amount of time it should take to process the refund. She stated she will follow up with me once refund has been issued. 

I followed back up on XX/XX/XXXX and the representative had the issue escalated. She was told it would take 14 business days to process. I was told to call back on XX/XX/XXXX if it still hadn't been processed. 

Called back on XX/XX/XXXX and was told it was still processing with an unknown eta. As of today, ( XX/XX/year> ) I still haven't received my refund.
Product: Credit card

I make an inadvertent pay through my online bill pay to my Macy 's credit card in the amount of {$2500.00}. I have attempted to get a refund of this amount to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Confirmation # XXXX XXXX Report # XXXX XXXX File # XXXX I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible, thank you.
Product: Credit reporting or other personal consumer reports

The Fair Credit Report Act 15 USC 1681 section 602 ( a ) States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As a consumer XXXX, XXXX and XXXX consumer reporting agencies will report my information. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states 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. Bridgecrest is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and other : in accordance with the written instructions of the consumer to whom it relates. Bridgecrest the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX Bridgecrest whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. Bridgecrest never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again with out my permission which is against the law. 15 U.S 1681s2 ( A ) ( 1 ) states 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. 15 U.S. Code 1681 ( e ) states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and lost the data of approximately 143 MILLION Americans. Their security was not adequate and we the public are put in extreme risk of identity theft due to their negligence.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with 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 payment reported to be removed/updated. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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!
Product: Debt collection

On XX/XX/XXXX, Receivables Outsourcing contacted me by telephone ( leaving a voicemail ), informing me of their intent to collect a debt. 

I do not believe I owe any debt, since I have received no unpaid medical bills, nor any notices of overdue payment. Therefore, if the debt is mine, I believe it was sent to collections improperly, by a provider which failed to notify me of the account. 

Following their initial contact, Receivables Outsourcing failed to send a written collections notice, as required within five days, under the FDCPA. ( After 36 days, it has still not been received. ) Multiple attempts to request validation of the debt, filed timely within 30 days after the initial contact, have failed : Letters postmarked XX/XX/XXXX and XXXX, XXXX, were undeliverable, because the business had listed its mailing address incorrectly, or failed to keep it up to date, in multiple directories ( XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX ). 

I confirmed the businesss present address by telephone on XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. However, a third letter to this address, postmarked XX/XX/XXXX, was refused delivery by the addressee on XX/XX/XXXX, and returned to me. 

Therefore, I believe that Receivables Outsourcing is negligent in its communications, which has unfairly obstructed my right to obtain information about, and dispute, this debt.
Product: Vehicle loan or lease

XXXX XXXX A low mileage short-term lease is treated the same as a high-mileage long-term lease for " excess wear and tear ''. I worked with a representative on XX/XX/2020 for 1 hour and 16 minutes. The rep admitted that the charges for excessive paint chipping on the hood and bumper only a ploy to trick consumers into getting another lease. They offered a waiver for the " excessive damage '' and said that it was applied to my account. I replaced the parts that were broken as listed on inspection. I received a bill for the full amount including the parts that I replaced. I tried to reach out to NMAC. I was told that I had 90 days to pay and that the waiver was in process. One day later I was told there was never any waivers and that I have one week to pay or they will turn me into credit collections.
Product: Prepaid card

I received a {$150.00} Amex e-gift card on XX/XX/2023. According to Amex, the card is accepted at ALL online retailers who accept Amex as long as the expiration date and security code is provided. I have tried using my gift card online at XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX. All transactions were declined due to security issues although when I check the balance on the card it is {$150.00}. The purchases I tried to make were well under {$150.00}. I called Amex several times and was told misleading information, ie. that I should upload the gift card to my XXXX XXXX wallet and i could make purchases from there ( did not work ) ; that i could use the card to pay off my regular Amex account balance ( not true ) ; that I should try to make a purchase at another retailer ( I've tried MANY MANY retailers and spent hours online shopping only to have the purchases declined over and over! ). Furthermore, I see that many many other customers have the same complaint, that the Amex cards are useless. I am now stuck with a {$150.00} virtual card that is worthless, and Amex has run off with the money! I even tried using the gift card in the online app for my building 's laundromat! Even THAT got declined!!!!!! Amex gift card representatives are no help, they read off a script and consistently say " try it at another retailer. '' How many retailers am I supposed to try??????
Product: Credit reporting

they did n't want to check with the company for an update.. here if my proof the account is settled I would like this removed from my credit report please
Product: Debt collection

I am entitled to a fair and accurate credit report under the Fair Credit Reporting Act ( FCRA ). However, it is disheartening to note that only XXXX of the fraudulent accounts has been deleted, leaving the others intact and continuing to wreak havoc on my creditworthiness. The incomplete resolution of this dispute is a direct violation of my rights as a consumer. It is evident that there has been a failure in the investigation, as all the disputed accounts are relatively fraudulent in nature. 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
Please provide a detailed explanation of the investigation process, including the criteria used to determine the deletion of XXXX account while others remain unresolved. Transparency in this matter is of utmost importance, and I anticipate your full cooperation in rectifying these discrepancies.
Product: Mortgage

On XX/XX/2020 I filed a complaint XXXX the company provided inaccurate financial data in its reply and the CFPB closed the complaint without allowing me to respond. 
I did notify the company, but would like the complaint to be meditated through the CFPB as the regulatory agency in charge of such issues. 
The company misapplied payments, and now has inaccurate financial records that are directly conflicting with my account information. 
I would like the company to fully audit my account and investigate the misapplication of payments and inaccurate accounting of my mortgage payments. 

My original complaint was regarding misapplication of payments. 
The company replied stating I had paid late. This is incorrect. I was fully paid prior to the due date but Huntington inaccurately applied the payments, resulting in a late charge. 
The misapplied payments were an issue. 
The Late fee was an issue. 
The weekly payment was an issue. 
NONE of this was appropriately addressed. 
The late fee was waived but marked as a courtesy, when in fact, it should never have been applied. 
The reasoning for the misapplied payments was not provided. 
The new issue is Omission of payments received. 

My response to the company was : Hi XXXX, Thank you for your response, but it is inaccurate. 
In your response you stated " Further, as outlined in the terms of your Mortgage Note, if a full payment is not received by the conclusion of your XXXX grace period, a late fee is assessed to the account. Our records indicate one ( 1 ) {$51.00} late charge was charged on XX/XX/2020 because the full payment amount was not received by the due date. Please know that as a courtesy, the fee was waived on XX/XX/2020. Ive confirmed there have not been any other late charges assessed to your account. '' However, you omitted several XXXX payments from your accounting -- see screenshot below : XX/XX/XXXX {$350.00} XX/XX/XXXX {$350.00} XX/XX/XXXX {$350.00} XX/XX/XXXX {$350.00} My full payment was not due until XX/XX/XXXX. 
As such, my payment was fully paid and the late fee was inaccurately assessed due to misapplication by your team. 
I will also provide this response to the CFPB and request that your response be corrected to reflect this information. 

I also reiterate my original claim to be permitted to pay weekly, pursuant not only to the Code of Federal Regulations, but also, Huntington 's offer of services, of which I just received an email today inviting me to pay more to experience the benefit of saving over time. 

As such, I will officially reject this response with the CFPB and hope that Huntington can provide an updated reply with this corrected information and offer. 

Finally, I do intend to continue to pay weekly, as I have been and am currently paid in advance, as I have been. 

Please advise in your response if Huntington is rejecting my partial payments going forward. 

I also attached screenshots of my payment records directly from Huntington.
Product: Credit card or prepaid card

We made an online purchase at bestbuy.com on XXXX  using the Best Buy Citi credit card for interest free for XXXX  months. The total charge per my email received was XXXX.  The appliances were delivered XXXX. Upon installation, the refrigerator did not fit in our home and had to be returned XXXX).  My first bill was received in XX/XX/XXXX, showing a balance of XXXX. I noticed two charges of XXXX on this bill at the time and called in, this started by journey with the companies.  Over the next several months, we tried disputing the charges, reporting fraudulent use, etc.  Best Buy, Best Buy.com, and CITI cannot confirm charges that we are not aware of. We had one charge and I am still finding a discrepancy of XXXX, which has been sent to Citi. We had a supervisor with Citi that promised to resolve and agreed with my research on payments, charges, returns and at this time, they are not responding.  I have advised CITI and Best Buy if they can confirm all charges on our card, since the only charge we did was on XX/XX/XXXXand they prove they are ours that we authorized, then we have no problem paying the balance, however, in my research on the charges, return of the refrigerator, and payments, we are being over charged XXXX. It is baffling that no one at Citi, XXXX, or XXXX can confirm all charges. I have spent several hours working on this with the three divisions and get bounced from one area to another without warning and referred to the next department and back to the original. XXXXXX/XX/XXXX
-XXXX  XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span>
XXXX XX/XX/XXXX
-XXXX XX/XX/XXXX-XXXX XXXX 
XXXX XX/XX/XXXX-XXXX XX/XX/XXXX-XXXXXX/XX/XXXXXXXX credit for disputed charge
XXXX XX/XX/XXXX
XXXX XX/XX/XXXX
XXXX  XX/XX/XXXX
XXXX XX/XX/XXXX-XXXXXX/XX/XXXX
XXXXXX/XX/XXXX
XXXX  XX/XX/XXXX
XXXX XX/XX/XXXX
XXXX XX/XX/XXXX
XXXX XX/XX/XXXX
XXXX XX/XX/XXXX
= XXXX is what my calculations come up with
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C. 1681B a credit inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. The following inquiries were not authorized by me, and I request that they be removed from my credit report immediately : XXXX XXXX XXXX, XX/XX/year>
Product: Debt collection

This is in regards to an alleged  XXXX   XXXX  Credit Card, this has not been handled properly by Midland.     I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.
Product: Student loan

My private loan repayment is again over 50 % of my monthly income. We did financials with myself and co-signers which showed deficits and they did not consider a payment lower than almost {$1900.00}. I went negative in my bank multiple times and have excess debt because of that and am struggling to pay my rent and other bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out this letter regarding my accounts with all three credit bureaus. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) To Whom It May Concern : I have just received a copy of my credit report. There are multiple accounts that are inaccurate and inconsistent between all three bureaus. Also addresses and phone numbers are not matching the information that I have already provided to you with my social security card, current license and my birth certificate. I would like an investigation done at this time. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Furthermore Im requesting these items for current debts owed if verified correctly : * pay off of debt * Interest rate disclosure * Balance history * Payment history * Credit insurance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX ( XXXX ) XXXX
Product: Debt collection

Sold me a vehicle, insisted an insurance payment was included in the payments for the vehicle, continues to collect money for it wo n't provide a policy number, also " guaranteed '' me that it was in tip top shape, and that all needed repairs were seen to before the car made it to the lot, I have put 800 dollars in repairs in 5 months for things I was told were already repairs. I had taken the vehicle to the service department on multiple occasions, was told nothing was wrong, only to be inspected by a licensed third party and fail insurrection for multiple safety issues, still shakes profusely at medium to high speeds, I returned the vehicle and they have contacted me XXXX times in less than a week, and have begun to text me on my personal line as well, they are attempting to force me into admitting it 's a repossession, rather than voluntarily returned due to being suckered into a contract under false representations of repairs warranty and insurance coverage being included and it was not. I was also told that every successful payment will be reported to creditors and not XXXX of them was ever reported XXXX, I was promised that it was a credit building operation.