23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I believe that Huntington Bank deliberately withheld the check sent by my bank until after the payment due date to apply late charges to my account deliberately. Case in point, I have had Huntington bank for just six months of mortgages, and for the past three months, I have received late fees. My prior mortgages were paid the same way for the past 20 years, and for the last 13 years before XXXX, I have never been late on my mortgage. Last XXXX, my bank XXXX XXXX sent a check out for my mortgage on the XXXX of XX/XX/2022, and XXXX stated that they didnt receive it until XX/XX/2022. A day later than my due date. 
I decided to change my payment date to a week earlier, so on XX/XX/XXXX, XXXX XXXX sent Huntington Bank a check for my mortgage. Huntington Bank claims a check sent out a week earlier didnt reach them until XX/XX/2022. I call that how convenient. I believe that Huntington Bank is falsely and deliberately applying mailed checks a day after their due date. As I previously stated, I have been paying my mortgage on time over the last XXXX years, and with XXXX months at XXXX using the same payment system, I have XXXX late recorded payments. 
The prior mortgage company I had, I never had to speak with them, but I have been having many different problems with XXXX and the past XXXX months where I needed to call them to fix an issue. 
I have enclosed XXXX documents to show. In XXXX, XXXX XXXX proof of payment shows that I was sent on the XXXX of XXXX and cleared on the XXXX of XXXX. XXXX proof of payment was sent on the XXXX of XXXX and didnt clear until the XXXX of XXXX. These inconsistencies are glaring and only benefits Huntington Bank.
Product: Credit card

I enrolled in a payment plan with care credit because i couldn't make the payments. ( end of XXXX ) I suffered a XXXX on XX/XX/year> and have been out of work. {$250.00} was the lowest i was told i could pay based on my balance. I agreed to that amount so that my balance wouldnt keep accruing incredibly high interest and late fees. I called on XX/XX/XXXX and let the women know i was unable to pay currently. She told me because i was enrolled in the payment plan its ok if i don't pay the whole amount or pay on the arranged day and would note it on my file. I woke up on XX/XX/XXXX to my debit card balance being negative due to a payment of XXXX being processed. I called care credit immediately.. the first women told me that the payments are automatic when on a payment plan ( wrong ) was transferred and he told me it couldnt be refunded and that i agreed to the payment the previous month ( also wrong ) again transferred he said it could be refunded to me by check 7-10 business day. I told him that wasnt good enough and needed refunded to my account so i was transferred again!!! The last man said there us absolutely no way it can be refunded and he doesn't know why i was told that and to have my bank help me because theres nothing he can do. Every single representative told me a different answer and no one acknowledged that it was illegally taken from my account. 1 hour of my time with no resolution! The worst credit card company to deal with. 
Honestly would have been better off sending it to collections then dealing with this company.
Product: Mortgage

Carrington Mortgage told me to submit some paperwork to have autodraft enabled. I submit the paperwork. I was denied autodraft and never was notified by the company that I was denied. To this day I have never been told why I was denied. Later when I was under the impression that autodraft was working I received a delinquent bill phone call from Carrington. So I tried to pay my bill over the phone but was informed there is a XXXX $ charge to do so. So when I went to pay online I was informed that my account is delinquen and I ca n't pay online but that I HAVE to incure the XXXX $ charge to pay over the phone.
Product: Debt collection

Greetings, upon checking my account I found XXXX  XXXX XXXX reporting to my profile, I do not own that account I am a victim of identity theft and my identity was stolen I reached out to the company and let them know that I was a victim of identity theft and my information was also leaked in the XXXX data breach. I might add that the information that is reporting on the account also don't belong to me and social security on the account do not match mine I have been trying to recover from this whole ordeal and need this account removed my profile immediately.
Product: Credit card

Fraudelent transactions on debit card Purchases made from XXXX XXXX XXXX XXXX XXXX XXXX I have filed 7 reports 3 with TD bank disputing the charges 1 police report outlining the charges 1 with the FTC consumer fraud department 1 with XXXX fraud department 1 with TD bank senior customer complaints office
Product: Debt collection

there are 2 collections on my credit report from Oliphant LLC that i do not know what they are.

Oliphant has never spoken to me on the phone, in person, or by mail about this debt and they have reported it to the credit bureaus and it is listed two separate times for the same debt, I do not owe any company the amount of debt they are saying i owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America Can not Verify the information used to obtain a credit card, that they claim is mine. I have had Dozens of credit cards over the years. I ask Bank of America for a copy of the Original application as well as a copy of the photo ID used to open this account on several occasions ... .Bank of America Refuses to provide the documentation that would verify this account belongs to me.
Product: Debt collection

I am filing a complaint against MEDICAL DATA SYSTEMS INC for failing to provide accurate information regarding an alleged debt. Despite my requests, they have not validated the debt and have reported inaccurate information to the credit bureaus, negatively impacting my credit score.
Product: Mortgage

Lender ordered an appraisal from XXXX  biased appraiser that undervalues homes in XXXX XXXX. The result was a denial of my loan. Loan was applied for in XX/XX/XXXX. I received copy of appraisal XX/XX/XXXX.
Product: Debt collection

A debt was placed on my credit profile by this company which I had no dealings with. Making me aware of a balance I owed to XXXX. I paid XXXX directly for this bill. Furthermore a disconnection bill/notice was provided to me by email from cast directly that bill says the service was disconnected and the bill was generated for the month of XX/XX/XXXX. XXXX. I had moved XX/XX/XXXX turned off services no disconnection needed; had all mail forwarded to my new address and not XXXX item forwarded was from XXXX which they say they sent mail repeatedly. I had no service with XXXX in XXXX of XXXX. I terminated service in XX/XX/XXXX. I had no reason to give XXXX an updated address as when I returned there equipment I was told I had no balance. Why was a bill and a not owed notice. Southwest credit systems is to remove this from my profile due to the fact XXXX is at fault not myself. I paid this debt in full directly to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 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 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 was attemptiing to change phone services from XXXX to XXXX. I went to a family friends daughter, a college student working for XXXX. When we were in the process of converting services thare was a credit block from equifax. I attempted to get it resolved on line and on phone with someone that was difficult to understand based on her language barrier that worked for equifax. I can not access my account or anyone at equifax that appears to know what they are doing. 
please direct me to someone that can get equifax out of my life and stop wasting my time. 
Thank you for your assistance in this matter. 
Sincerely yours XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tired of WELLS FARGO beating me down ; this has caused me XXXX XXXXXXXX as I'm trying to progress in life- but can't seem to do so because of fraudulent identity theft. I have been disputing with WELLSFARGO since XXXX of XXXX, it is now XX/XX/XXXX and my identify theft concerns have still not been addressed/deleted. I have disputed and received paperwork back from WELLS FARGO claiming that an auto vehicle belongs to me. Paper work documents sent to me from WELL FARGO was not mine and UTTERLY INVALID. I am a victim of identity theft and have items in my name including WELLS FARGO DEALER CHARGE OFF and DEPT ED XXXX that are fraud. I only have XXXX auto vehicle through XXXX XXXX XXXX. I have sent over my police report, my FTC report, utility bill, my personal statement, full SSN card with all corners reflecting, Photo ID & etc. I am a victim of identify theft and WELLS FARGO keeps choosing to look the other way and not help me. I was told by an XXXX Fraud Specialist that I should take WELLS FARGO to court. I do not have the money, time, or energy for that to take place. I have 2 XXXX parents both with XXXX that I can't even afford to put into home health care. WELLS FARGO opened my dispute again XX/XX/XXXX and closed it right back up XXXX XXXX. A proper investigation in a sense has not been conducted. My documents have all been ignored and they want me to keep sending the same files via postal mail which cost me about {$35.00} for mailing charges to expidaite. I have spent over {$300.00} in the past year of mailing to them disputes. I am tired of going through this process and WELLS FARGO wants to keep playing games with victims of identify theft. It should not take me 437+ days to get identify theft removed from my report. There are several factors including WELLSFARGO DEALER CHARGE OFF and DEPT ED /XXXX  that still shows on my report. I hope this will be my last and final dispute to CFPB. WELLSFARGO & CO. is holding me back from living life, liberty and pursuit of happiness.
Product: Debt collection

XXXX had put in a soft disconnect which interrupts the service before a formal interruption is done. This was done throughout the time in 2014 when I had their service. The snow storm in XXXX 2014 causes equipment problems where I could not use my phone. After I got behind in my bill I paid it but they continued to bill me for full service even though the phone was n't working and the TV and internet were intermittent. I paid the amount that I would have owed but they continued to bill me for services not rendered. A representative from their Corp office called me & said it would be deleted and removed from my account because of the soft disconnect which she acknowledged. It was recalled in XXXX and from XXXX agency in XXXX and deleted. I pulled my credit report and found it resurfaced under another collection agcy after I got new service with them The acct # XXXX. I disputed it with all of the collection agencies and it was deleted which proves what I said. I was told since I don ' t have the letter that was sent to me, they wo n't do an adjustment, but the credit bureaus would n't delete it unless they had proof which the Corp rep said she would send.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEMADE TO COMPLY! 


Please reference CFPF Record # XXXX. 

This compliant has been going on for months and TransUnion is the only CA report this account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and in violation of my rights! Why should they be allow to publish this false information in my credit report and keep delaying the removal? 

It has been over 30 days and it's staying this can back to me within 60 days. Why do I have to be delayed for there bad business practices? Again, I will move forward with contacting the attorney that sued XXXX for XXXX XXXX dollars. As from this point Trans Union was provide the opportunity to correct the issues and refuse to do so, now they will be FULLY RESPONSIBLE IF I APPLY FOR A HOUSE AND GET DEINED. 

They will have XXXX pay for all damages and address legal fees! 

Please remove this account ASAP. I have reference all combined complaints in the prior compliant along with support documents. 

Per the law, they had 15 days to comply with my request and they have yet to do so.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as, failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with the experience, where Experian has neither corrected nor removed the disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Student loan

I applied for the XXXX repayment plan in the middle of XXXX, 2023. The XXXX XXXX calculator said based on my loans and tax return I qualify for $ XXXX $ XXXX payments for XXXX payments under this plan and was the best option for my finances. It also stated that all of my loans qualify for this repayment plan. My servicer ( Nelnet ) asked me for a copy of my tax return which I provided to them promptly. They then emailed me saying they finished processing my application about a month later ( XXXX ) and said to be on the look out for additional correspondence from them ( It is now XX/XX/2023 and I still have not received any form of communication from them ). My payment amount is still the same amount it was for the standard repayment plan ( over $ XXXX ). Additionally some loans still show standard repayment. I have tried emailing them multiple times to which an auto generated response comes back saying to call them. I call and sit on hold sometimes in excess of 2 hours just to get hung up on. I have not been able to reach anyone and their website says due to unprecedented amounts of calls, please email them for assistance. I am getting nothing but the run around and have had no choice but to submit another application for the XXXX plan to force someone to redo their calculations.
Product: Checking or savings account

See image attachments for chat conversation. Today ( XX/XX/year> ) at XXXX XXXX XXXX I have asked multiple times why my cash app account was closed. They said i violated their Terms of Service but could not provide any specific reasons. They have closed my account twice for violating ToS but never reached back out to me or provided any detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Trans union customer service at XXXX XXXX on XX/XX/2020. I spoke with CSR XXXX about three reporting inquiries that did not belong to me. I explain to XXXX numerous times of the previous actions taken to confirm the inquiries did not belong to me. He reiterated that I send another letter or do a police report considering I did a previous option. I was very disputed with the customer service I received and that he really didn't want to assist me. I have three inquiries which are from XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX that should not be there. I would not advise anyone to contact Transunion customer service if they want help because they will not receive any.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a serious mistake by listening to someone and sending 4 payments. Only 1 payment of {$140.00} was completed. I provided XXXX the phone number XXXX of the person who contacted me and acted like a company to instruct me to send money in order to get the refund. 

I also provided XXXX the website XXXX XXXX XXXX  where I provided my phone number for the agent to contact me for the membership refund. The website constantly changes its phone number weekly. The phone that I contact was XXXX. 

XX/XX/2023, after XXXX, completed their research and provided me with a letter stating unable to honor my claim. 

I totally disagree with XXXX or Bank of America 's action regarding not providing consumer protection on fund transfers. All fund transfers of any method must have protection for all consumers. Without consumer protection to avoid fault transfer clearly it's a serious error by not providing consumer protection.
Product: Vehicle loan or lease

Our vehicle was totaled on XX/XX/2023. XXXX XXXX, our insurance, has been working our claim since the totaled date to get our vehicle paid off and to claim the title. The document they require from BMO is a XXXX of XXXX for the payoff balance. XXXX began contacting BMO Harris Bank on XX/XX/2023 and has yet to hear back from the Insurance/Total Loss department. On behalf of XXXX, I have attempted to speed the process with BMO up by trying to get in contact with any department that could help. All department contacted transferred me to the Insurance/Total Loss department, in which no one answers call, returns calls, or replies to emails. The only response our insurance company recieved was a statement they were expierencing a high volume of accounts and would get back to us as soon as they can. We have not spoken to a live person at this department, and they have given no estimated time frame for their response to the insurance 's requests. I have tried to contact this department for over a week with no success. XXXX XXXX as been trying to contact this department for over XXXX weeks with no success.
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

Bank of America My monthly bill states I owe {$870.00} in big, bold numbers. If I read the small print do I realize my regular mortgage payment is only {$840.00}. The wording on the front page of the bill makes you believe you owe {$870.00} which is really the mortgage only if your mortgage is received after the XXXX of the month. The wording and design of this bill is very deceiving, and if my wife did n't really question why my mortgage had increased I would have paid the higher amount unnecessarily, and I believe, illegally. 
Bank of America needs to redesign the format of the mortgage bill to reflect the regular monthly payment as the TOTAL AMOUNT DUE in the the BOX with large letters.
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters to all three credit reporting agencies, Ive sent them a CommonLaw Copyright Agreement stating that any information pertaining to myself is copyrighted. I also sent all three bureaus a filed and perfected UCC-1 financing statement showing my perfected interest in my legal persons name, likeness, assets, etc. The last dispute letters were sent about a month ago requesting that certain accounts be removed, that certain inquiries also be removed that were not authorized, and that late payments are actually illegal and that the agencies should correct certain information on all three reports. None of my requests have been honored. Permissible purpose has not been given to any of the three agencies to report certain information that I demanded be removed. Lastly my credit age is being reported unfairly and incorrectly which is negatively affecting my ability to be approved for credit.
Product: Checking or savings account

In XX/XX/XXXX I requested a {$20000.00} distribution from my IRA at Ally Bank. The check was lost in the mail, and it took over a month for me to get the replacement funds. I complained then about how poorly that entire process was handled by the bank. 
Now, on XX/XX/XXXX, I received my 1099-R Tax Form for this transaction. This transaction was incorrectly coded as an " early distribution '' on that form. In Box 7 of that form, a Code 1 was used, which designates an " early distribution ''. An " early distribution '' results in an IRS tax penalty of {$2000.00}. This was not an " early distribution ''. I am well past the age of XXXX and 1/2 which is used to determine an " early distribution ''. The correct code should have been 7. I had another IRA distribution from Ally during XXXX and for that they did the 1099-R correctly and it shows a code 7. On XX/XX/XXXX I called Ally and forwarded them copies of the 1099-R 's to point out this error. As of today XX/XX/XXXX, I have no resolution. I have contacted them several times, begging, as I am waiting only for this item to be corrected so I can file my Income Tax return. The responses are generally the same, " still being researched '', wait 1-2 more days, etc ... .. I believe I am being intentionally punished with this error due to my previous complaint about the stop pymt.