23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX I had my bank XXXX XXXX  scheduled to pay XXXX dollars for may car Loan to Huntington Bank, should of paid XXXX but paid XXXX by mistake. I noticed on XX/XX/XXXX they took the XXXX out of my checking account, I called and they took took out the XXXX out on XX/XX/XXXX to send for the XX/XX/22 scheduled Payment. My car payment was not even due till. XX/XX/XXXX, but I pay early. I called Huntington and the payment was applied on XX/XX/XXXX of the XXXX. They told me ( and recording says they record phones so should be able to Listen to it ) they would send me a Cashier Check in 3 business days, and to go ahead and pay my XXXX car payment when due. I asked they keep the XXXX for the car payment and send XXXX and they said no. They said just pay it when due. So I trusted their word and paid the XXXX car payment on XX/XX/XXXX. I called today and my payoff is still Like would be with XXXX payment. I finally get someone who said they are Holding my funds till XX/XX/XXXX to make sure clears. They have had it since XX/XX/XXXX. So now they tell me To email them and send bank statements to show proof I paid it, when they already have the money. My bank statements only show Money taken from account. I took pictures and sent them too. They gave me this number to check # XXXX
Product: Credit card or prepaid card

Citibank sent me a notice on XX/XX/2017 notifying me of a message of account closure. I logged in to see that they had closed my account unilaterally without prior notice. Closure was for non-use. My issue is that I was not notified and given the opportunity to use the account to qualify to have it remain open.

This is my longest running credit and will adversely affect my credit score. Its poor practice to not allow me to address before the account is closed Additionally, when I called to have the account reinstated, I was told the only way the account could be reopened is if I did a full reapplication that includes a credit bureau pull.

Citibank created a situation in that there was no way to avoid my credit score being impacted.
Product: Checking or savings account

I did receive a unemployment retroactive payment over a year ago the fact that the account at venmo only allows for me to put a certain amount that caused my account to get locked due to the amount that was put in retroactive the amount was about {$9000.00} a total amount that has been put into my account is {$13000.00} they are not letting me access my account they have Frozen my account and continue to send me debit cards let me know that they will one day unfreeze my account and I will have access to my funds I have contacted unemployment and asks them if they were able to withdraw any of that money and referred it to my bank and they said that there's nothing they can do that is out of their hands because I gave them that bank account information and that is venmo there is no way to communicate with them as everything is done with a computer or by text messages or email they ask you to identify yourself with your driver 's license and go through obstacles and with that being said you don't even know who you're dealing with on the other end to further make the situation worse or delay they always ask you to please give them the last email they sent you some code number to identify yourself if by any chance you delete it or you spam it and don't have it they will make your issue even harder as they tell you to please try to find a way to retrieve it it's been very difficult dealing with them and to me it's just a typical scam and I do believe a lot of people are tied up just like I am and all they're doing is profiting and collecting money and interest on all the accounts that they have Frozen They're benefiting from it an issue that I had a long time ago was with PayPal and I know PayPal owns venmo I've did a job with someone and got paid {$4000.00} that person bounced my payment after a few days so I owe PayPal {$4000.00} the fact that I owe PayPal {$4000.00} for something that I had no control of I just got ripped off on my end doesn't mean that venmo has to take those actions and stiff me out of my money over something that had nothing to do with venmo but with a PayPal account I wish this matter can get resolved as I started to read online venmo is nothing but some wannabe financial institution that is pretty much locking everyone 's account and having everyone go through a financial burden I didn't need the money as much so I never focused on it but today I decided to contact a attorney and of course you guys and I am deciding it is time to put a end to this as I've been taking advantage of and it's going to be almost 2 years
Product: Credit card or prepaid card

I booked an apartment using XXXX. Some amenities were advertised, and they were offered. Upon my arrival, the amenity was not provided, and I discussed it with the Apartment Manager ; after a lengthy discussion, I returned to XXXX. The first XXXX mentioned they would talk to the listing party and they would refund. I provided all documentation related to my calls and chat with XXXX. Upon multiple follow-ups with the Citi MasterCard team , I was asked to pay for a service I didn't even avail of. Citi MasterCard never reached out to XXXX  They just sent me the merchant 's paperwork, where the merchant had changed their listing minus the amenity offered. This is not the only incident. On XX/XX/XXXX, I filed another dispute for a canceled hotel booking within the cancellation period. In this case, too, I felt that the Citi MasterCard team didn't follow the protocol, and they resolved in favor of the merchant, lucky I was able to talk to XXXX XXXX, and they were kind enough to refund {$8200.00}. I want a refund from the Citi Master Card team for my XXXX fees of {$3800.00} I have more document but I can not attach as there's limit of 10MB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lease with Hyundai Motor Finance. I traded in my old XXXX last XX/XX/2020. On XX/XX/2020, they called me to inform me that there was a forberance plan available to help customer though the Pandemic due to COVID 19. The representative told me that I qualify for 90 days without making a payments and they will add those payments to the end of the lease, my lease is for 36 months and it will be for XXXX. I checked the website every single month and in the statements said XXXX balance, meaning that I did not have to pay. I never received a phone call from them or a letter advising me that I should pay. On XX/XX/XXXX I received a letter that my account was passed due and that I had to pay the three months due. I was sick at home tested positive with XXXX, I had to leave my job for almost 2 months and my finances went down. I started calling them every single day and they always told me a different answer. I ended up paying the whole amount which let me in a terrible financial crisis. They also reported me to the Credit Bureau and my Credit Score went down. They treated me very poorly, horrible customer service. They were very unfair, never found a solution to my situation and never cared that I was at home with XXXX.
Product: Debt collection

Several different " representatives '' of a company going by the name of Evergreen Professional Recovery have attempted to contact me regarding a debt owed to them. 

I have never taken out any kind of loan and do not believe in credit cards ; below is the information that I was able to obtain from them : Company name : Evergreen Professional Recovery Address : Unknown Phone Number : ( XXXX ) XXXX Amount Owed : Unknown Number of Representatives Who Called : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit card or prepaid card

Banco Popular is recklessly reporting fraudulent transactions to XXXX, XXXX  and XXXX. which are currently being investigated. Dropping my credit score 45 pts. 

I have a Banco Popular credit card with a balance of XXXX ( XXXX  ) I have no idea why they have provided false information to all 3 credit bureaus stating my balance is {$11000.00}, which is over my credit limit of {$11000.00}. 
Back on XX/XX/2019, I reported fraud to Banco Popular, which totaled the entire amount, as I have never used this card, besides paying the annual fee. I talked to the fraud dept. twice, they were to be investigating. This was on XX/XX/2019. Yet, on XX/XX/2019, Banco Popular reported my balance to XXXX, XXXX and XXXX as {$11000.00}, meaning they included all the fraud charges in violation of the FCRA and the agreement i have with Banco Popular. SO besides Banco Popular violating the law, they have also knowingly and recklessly Breached our Agreement. An agreement they created.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and associated inquiries from my credit report due to being a victim of a recent data breach. I have reason to believe that fraudulent activity may have been carried out using my personal information, and under the provisions of 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request these accounts and inquiries be removed from my credit file. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$6800.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$220.00} Inquiries to be blocked and deleted : XXXX. XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Debt collection

I have been reaching out to the creditors on my debt since XXXX. I have sent dispute letters each month since then and have never received a response under the FCRA the creditor has 30 days to respond and remove the item off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

these bureaus are falsely reporting alleged debt which is a 15 usc 1681a ( 2 ) ( B ) violation. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below and I have yet to receive a response after 30 days which is another violation under the FCRA
Product: Credit card or prepaid card

On XX/XX/2019, I called the Barkclay Bank MasterCard to cancel the card prior to having to pay another annual fee. The agent convinced me to not cancel the card but to convert it to a no-fee card. The agent proceeded to tell me that I had unredeemed miles on the account and asked if I wanted to redeem them. I said yes and that I wanted to redeem them for a statement credit. The agent repeated what I said and then said he would redeem the approximately XXXX miles for an approximately {$180.00} credit. I said, yes. Meanwhile, my husband who was in the room with me said to me that wasnt right. He then took the phone and explained to the agent that we wanted a statement credit for travel expenses which is redeemed at a rate of {$1.00} for each XXXX miles versus the general statement credit which costs XXXX miles for each {$1.00} of credit. The agent said sorry but he had already pushed the button processing the credit. We then asked to talk to the supervisor who also said sorry, she couldnt change it. This was all in the same phone conversation! 

This arbitrary action cost me approximately {$180.00}.
Product: Mortgage

1. My mortgage was sold by XXXX XXXX to Mr Cooper in XX/XX/XXXX. At XXXX XXXX, I always paid my escrow shortages in full as soon as I received notification of the analysis, and my mortgage payment remained {$1300.00} for years. 
2. On XX/XX/XXXX I received notification that my escrow analysis had been completed by Mr. Cooper and showed an escrow shortage of {$390.00}. The analysis included an increase in my property taxes and insurance to {$1800.00}. It stated " Based on our projection, as of XX/XX/XXXX the escrow portion of your monthly mortgage payment will increase '' 3. As a result of the property tax and insurance increase, my new mortgage payment was listed as {$1300.00} if I took no action. 
4. I made the escrow payment for the full amount of {$390.00} on XX/XX/XXXX. Since I paid the escrow shortage in full, and because the escrow analysis took into account the increase in taxes and insurance to {$1800.00}, I expected my payment to remain {$1300.00}. 
5. My mortgage payment auto-debited on XX/XX/XXXX was {$1300.00}, an increase of {$26.00} over the prior month. 
6. I called Mr. Cooper on XX/XX/XXXX and reached a live person after a frustrating menu experience and stating to the system " File a formal complaint ''. 
7. The customer service rep said that my monthly payment increased because my taxes and insurance increased. I stated I thought the point of an escrow analysis is to notify me of the escrow shortage following a tax+insurance increase, and that if I paid the shortage in full I should not have an increase. 
8. Since I did not receive resolution, I opened a ticket with Mr. Cooper online on XX/XX/XXXX with the escrow analysis statement sent to me, proof of my escrow shortage payment, and the question is what exactly is the nature of this increase coming from if my shortage payment already covered the tax and insurance increase they determined from the escrow analysis. 
9. Mr. Cooper finally responded to me with a letter dated XX/XX/XXXX that was written in broken XXXX, made no sense, and did not answer my specific question. It stated " We have completed review of your escrow account and confirmed that we update you amount total amount has been {$1300.00} [ sic ] and there is no shortage available for this loan... .Additionally, Generally, when the mortgage company informs you that your escrow payments are increasing, it is because of an increase in your property taxes or insurance premiums. The frequency of increase in your escrow payment depends on how often the taxes are reassessed or the premiums are recalculated. '' 10. My taxes and insurance are reviewed biannually. I did not receive notification of this mortgage payment increase. Remember, I received an escrow analysis saying my payment would increase IF I didn't pay the escrow shortage, which I did pay immediately. 
11. I have no idea where this {$26.00} monthly increase is going to or how it was calculated, nor will Mr. Cooper provide this information.
Product: Credit reporting or other personal consumer reports

I requested an investigation with ChexSystems regarding my negative reporting on XXXX XXXX XXXX XXXX XXXX. I have never received a bank statement or any account information from this institution regarding my account status or balance in years. I have not received any correspondence from this company in years as well. I would like this information corrected due to this. No information has been provided to me on this account in years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : XXXX Account # XXXX Account Name : XXXXXXXX XXXX XXXX  Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing the following information items. 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: Debt collection

I received a piece of mail stating Harris & Harris Ltd. was attempting to collect a debt from XXXX XXXX. I called Harris & Harris Ltd the day I received the mail and the customer service representative was unpleasant at best. She stated they didn't have any other information and they could try to get it but it could take 90 days and I needed to check my spam folder each day for an email. This is not helpful! If a debt collector is attempting to collect, wouldn't they have the statement to share with the party involved? Another option would be to send me the statement once they have received ( if they receive ). I'm waiting and checking spam to see if it arrives in 90 days. Again, NOT HELPFUL!
Product: Debt collection

I received a court order around XX/XX/XXXX. The name of the original company was Heritage Acceptance Corporation. The collection agency, Attorney XXXX XXXX XXXX, XXXX, was now suing me for {$5700.00}. I called Heritage Acceptance Corporation immediately. They told me the debt is dated back to XXXX. I told them that I dispute it. I then called my state 's attorney general 's office and they said they had never heard of anyone going back that far to sue someone for a debt. Then, on my court date, XX/XX/XXXX, I disputed it again. They totally ignored my response and a garnishment of my wages was granted on XX/XX/XXXX. The statute of limitations to collect on auto loan debt in the state of Indiana is 4 years, however, a judge granted it.
Product: Credit reporting 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. 
I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : GENESIS CREDIT MANAGEMENT, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. Also they are not in compliance with XXXX XXXX  credit reporting. i have evidence to prove my case that also was sent to them multiple times.
Product: Checking or savings account

I deposited a XXXX cashier check my friend gave me to cover bills, insurance deductibles for my home, and car repairs on XX/XX/23. On XX/XX/23 It was no longer pending and had been cleared. So I paid my bills online. They then took the check back out and put a hold on it causing my bank account to go into the negative over XXXX dollars and I had still not paid my insurance deductible or fixed my car. When I went into the bank on XXXX XXXX to see why you would remove XXXX that already cleared, the bank manager refused to call and verify the cashier check and look into why they took the funds back out and put them on hold. When I asked to close my account because of what they were doing to me, she committed second degree extortion on video and threatened to call the police on me to intimidate me into allowing the bank to retain my funds. She seemed to be upset that I explained she was breaking federal cashier check laws and did not want to help me, she just kept pushing a folder at me saying read the policy she was violating, so I turned the camera on to prove it. Today is XX/XX/23 and I have spoke to several people and sent the video of their teller in, but my account still says negative and cashier checks XXXX and under are to be treated as cash. The banks own policy says these funds are to be available the next business day. The bank is causing me severe distress and anxiety I just want to get my house and car fixed like my friend gave me money to
Product: Credit card or prepaid card

Barclays card said my credit is good and that I have to send them additional document. The person on call quoted the Patriots Act and I asked why is it not mentioned when requesting for details of the application. I told them if I had known it would take 10 days to get the card then I would have not applied. The reason I applied for the card is to buy gift for someone within a day or two.

I then told them I do not need the card but they should reverse the hard hit on my credit. The Bank said they can not do anything. I spent 45 minutes explaining my predicament but looks like they do not care. 
All this happened on XX/XX/2018. I will never apply for BARCLAY bank 's card. 
This is for financing through the bank for XXXX products.
Product: Mortgage

I am trying to find out about the recent Wells Fargo penalties for improper processing of loan modifications. 

I had a home and had been living in it from XXXX  until Well Fargo foreclosed. Wells Fargo refused to allow us to do a loan modification to reduce our payments. We were told that we had too much income to qualify for a modification. At that time the only income we had was from student loans which we got 3 times a year and they were about {$6400.00} each of the 3 times a year that we got them. We were told that because we were low income enough to qualify for pell grants ; that the {$5500.00} in pell grants that each of us got ; and that money all went straight to the college; was money that would be counted as income for us and that would make us over the limit to qualify for a modification on our home loan. 

We did lose our home and it basically financially destroyed us and then two years later Wells Fargo sold our house for about half of what we owed on it when they foreclosed. I would really like to know how a person could find out if they are owed money from Wells Fargo? I am really sure that Wells Fargo will not do one honest thing unless somebody is standing over them with bat and making sure they do what they are suppose to. 
How can I find out if they owe me money? 

XXXX XXXX