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

Hello so I have had a credit card with Huntington for 6 months about and have had issues from the beginning. So I set up auto pay for my CC and sometimes it works and alot it does not. 

So today I talked to XXXX a supervisor who flat out lied about my Financials on the phone with me. He states that XXXX I had no balance due. My issue with that is I called specifically for the {$1200.00} that was not deducted. 

So XX/XX/XXXX it should been auto paid. But was not so I called about the XXXX and was told it would be auto paid on XX/XX/XXXX. So I paid it XX/XX/XXXX to get my limit back up. 

On XX/XX/XXXX the auto pay went thru but shows I still have a balance of {$89.00}. 

I want to know why the auto pay worked XXXX but not XXXX. If I did not check my account then it would have lapsed in the XXXX payment and then they would have charged me interest. 

And now it says I still owe {$89.00} for XXXX makes it look they took partial payment so they could charge me interest on the balance they left
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Got into a car accident in XXXX of 2020. I ended up suing the person who hit me the result left me with a chunk of money that was split between me, my lawyer and the hospital. Before we settled with the hospital I called to see if they would bring down the amount they owed so I could pay them in full which they did and I ended up paying almost {$16000.00}. I received maybe one or 2 letters from the hospital saying I still owed money and when I called to try and verify it I never heard back. Now almost 3 years later this collection is own my credit report and to my knowledge it violates my hippa laws.
Product: Debt collection

I have have contacted this company by certified mail to request the verification of the negative items they are reporting. In pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I have requested " ALL '' of the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor.

The original application for this account with my signature.

A copy of the agreement authorizing your company to collected on their behalf of the original creditor.

FULL detailed accounting history on the account and the calculations on how they reached the amount owe.

Provide verification on any judgments connected to this account.

Provide your license to collect in my state and your registered agent name with their address.

Please show proof that the Statue of Limitations has not expired in my state for this account.

Provide the date of the last payment on this account. 

They are listing the items in question to credit bureaus from : XXXX. XXXX Bank XXXX. XXXX Bank XXXX. XXXX XXXX This company has " FAILED '' to provide me with " ALL '' of the items requested above. They have also repeatedly harassed me by phone, mail, and have had individuals show up at my home in attempt to serve me with a lawsuit.

I have never gone into a signed agreement or contract with this company and do not owe them for any debt.

I am in complete distress due to them violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent, or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act.

They have broken the following Fair Credit Reporting Act laws : 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 Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. I am requesting that they discontinue reporting and remove all negative information that they have reported to the credit bureaus in regard to the companies listed in this complaint, and for any other companies that they might have associated with my name. 

Best, XXXX XXXX
Product: Mortgage

Respected Sir/Madam, Below was the situation I'm forced into during the Mortage Closing by " Keller Mortgage LLC ''. 

I've started my home mortgage loan application with Keller on XX/XX/2020 and the initial Mortgage Insurance ( MI ) amount was quote as {$110.00}. 

Later, we have scheduled the closing and title transfer on XX/XX/2020 at XXXX XXXX PST. The Keller Mortgage sent the Closing Disclosure ( CD ) on XX/XX/2020 and the mortgage insurance mentioned as {$110.00}. 

On XX/XX/2020 at XXXX XXXX  PST, Keller Mortgage issued an update to the CD with a mortgage insurance increase of {$120.00}. 

There's a difference in the MI that I've noticed at the title office while reviving the documents. As per the title officer, I need to sign the document right now to get the loan and talk to the mortgage company later to resolve the same. I don't have the time to resolve the issue at the title office hence I've been forced to sign the documents. 

After coming home, I've contacted the loan officer and his supervisor regarding the increase in the MI but after a couple of days of conversation, I was told that the loan has been closed and there will no changes anymore. 

I really felt frustrated and helpless due to the loan officers ' mistake and how they handled the situation. 

Please let me know if you need any further documents. 

Thanks, XXXX
Product: Checking or savings account

Hi, This week I try to open a bank account in XXXX XXXX were I live. The bank consultor told me that under Social Security number is an account open in a bank called TD Bank in the United States, with a negative amount XXXX {$36.00} XXXX. I never live in the United States niether known from this bank. I called TD Bank and they ca n't explain me what account is, but when they search for my information my name shows up. All I know is that there is somebody using my Social Security and name in the United States.
Product: Vehicle loan or lease

During the pandemic in 2020, I owed less than {$600.00} on a car loan with First Investors Inc. I asked for additional time to pay it off and their response was reporting late payments multiple times to all three credit bureau which remains on my credit report and substantially lowered my score. I paid the loan off, however, they reported it as late and a charge off?
Product: Checking or savings account

My bank account was hacked by someone who stole {$16000.00} over the course of 7 months from my business checking account at XXXX XXXX. Wells Fargo is the originating bank. Their client is XXXX, which is where my money was transferred to. I have filed an incident report with XXXX XXXX Sheriffs Department. Below is the list of dates & amounts taken from my account. 
XX/XX/XXXXXXXX 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 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
Product: Debt collection

XXXX sent me in error to a debt collector XXXX XXXX XXXX for {$140.00} XXXX XXXX, 2015. On XXXX XXXX, 2015 I paid XXXX XXXX {$160.00} which included late charge. I spoke to XXXX on XXXX XXXX, 2015 at XXXX verifying that I paid this bill full. Then received another bill from for the same {$140.00} from another collector MRS Associates for the XXXX XXXX bill XXXX {$140.00} XXXX. I tried several times to call MRS Associates on XXXX XXXX,2015 and XXXX XXXX, 2015. The phone tree takes me to the point of waiting to speak with a representative then disconnects me every time. This very frustrating and seems like a scam. I need some help. thank you
Product: Vehicle loan or lease

SOMETIME AROUND XXXX OF 2013 A AUTO LOAN WAS OPENED IN MY NAME WITHOUT MY CONSENT ... I WAS A VICTIM OF IDENTITY THEFT ...
Product: Credit reporting or other personal consumer reports

FIRST PROGRESS CARD Account # XXXX Company has violated my rights to privacy as stated in 15 U.S.C 1681 section 602 A. States I have the right to privacy. Please provide the letter that I wrote giving you permission to furnish my account information as stated in 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and nonverbal per 15 usc 6802.

I Opt out with 15 usc 6802, 15 usc 6805 and the privacy act of 1974 and 16 cfr 313.7 I SENT THE COMPANY A CEASE AND DESIST
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts on my credit report that do not belong to me I have not approved authorized or used these accounts I need this off my credit reportr ASAP!!!! 

XXXX/XXXX  XXXX  - Account # XXXX Amt {$2200.00} XXXX XXXX - Account # XXXX Amt {$830.00} XXXX XXXX XXXX XXXX - Account # XXXX Amt  {$3400.00} XXXX XXXX XXXX - Account # XXXX Amt {$1100.00} XXXX  XXXX XXXX XXXX - Account # XXXX Amt {$300.00} AFNI, XXXX - Account # XXXX Amt {$130.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received {$4600.00} worth of credit on a Chase credit card, as a result of a refund from a merchant. Two weeks ago, I requested a check from Chase of that amount since this is my money, indicating that I would receive a check within 7 to 10 days. I called back today in order to confirm the status of this request ( after proposed 7 to 10 days ). The Chase representative told me that there was no such request made previously. With a new request today XX/XX/27, the representative told me that a check of {$4600.00} will be made to me within XXXX to 10 days. I asked this to be escalated to a customer service manager XXXX for expedite. When expressed frustration, XXXX told me that the request is made correctly this time. I asked a written notification that this request was made, but I was told that this can not be done. XXXX refused to provide a reference number or case ID. {$4600.00} is a substantial amount of cash, and this is more than a paycheck to many Americans. It is frustrating that Chase is holding my money back to an extended time period without providing enough visibility.
Product: Mortgage

On XX/XX/XXXX I made my mortgage payment to Ocwen Loan Servicing , LLC . XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX phone # XXXX XXXX. My payment was not applied based on my ( 30 yr fixed ) payment being raised by {$290.00}. 
Ocwen 's ration ; the escrow account is XXXX due to an increases in insurance and property tax. In checking with my insurance and and XXXX county tax office there were no increases. My taxes have not been paid since XX/XX/XXXX including {$520.00} in penalties.
Product: Checking or savings account

On XXXX XXXX I accidentally transferred {$500.00} to a company I had done business with in the past. As soon as I realized my mistake I disputed the transfer. I then contacted the business and they agreed it was a mistake. Since early XXXX I have been trying to get the money returned. My bank ( USAA ) has faxed a request to reverse the transaction multiple times to the other bank ( XXXX XXXX XXXX XXXX  On XX/XX/XXXX XXXX XXXX Bank finally authorized USAA to reverse the transaction. USAA first told me they had received the fax and give it 2-10 business days but now claim they never received a fax. In the meantime neither bank is actually calling the other bank and I'm left to go back and forth with each of the banks.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 in 60 days to be removed. 


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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Debt collection

On XX/XX/XXXX, I received a summons to come to court for a debt that my husband and I owed the XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. From XXXX, we were in bankruptcy and the bankruptcy court paid the HOA on our behalf. After the discharge of the bankruptcy, the XXXX sent us an invoice stating that we owed them {$1200.00}. I thought that we had settled this but on XX/XX/XXXX, I sent them the amount of the invoice, plus the amount for that year which was {$270.00} for the year XXXX. 
I answered the summons and sent them a debt validation letter, pursuant XXXX XXXX. XXXX, stating that their claim is disputed, and validation is requested, ( Exhibit A is attached ). I never received a validation response, but they continuously sent me verification letters. 
I counter sued with a Defendants Opposition to A Motion for Summary Judgement and filed it in the XXXX XXXX XXXX XXXX. A court date was set for XX/XX/XXXX, at XXXX am. The judge did not appear to even look at the case or listen fully to the defendant XXXX XXXX. He stated that he would give his ruling in ten ( 10 ) days, in which it was more like 16 days afterwards. The judge ruled in favor of the Plaintiffs for an additional {$4.00}, XXXX, and our journey to appeal began. 
We filed an appeal on XX/XX/XXXX, in which the XXXX XXXX XXXX XXXX and the Court Reporter kept stalling us regarding our transcripts. They approved our appeal, but in the meantime my husband was diagnosed with two different types of cancers. I did not even have the mind or time to follow up on the appeal. I then received a letter that I was one day late anyway, so my appeal was denied. 
This complaint is for all the people in our subdivision that is going through the same exact dilemma. We are praying that some rules and regulations change for homeowners going up against HOAs because it seems that theyre all working together to not follow federal laws. There were so many laws that were violated and overlooked. There has to be some relief for seniors and people who may have been late but are willing to straighten their wrong and pay whats due ; not be railroad into paying for a dozen court costs, attorney fees from attorneys that are not even debt collectors and everyone working on the case! We are overwhelmed and disappointed! Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Vehicle loan or lease

I received a text message requesting banking information and approval from me to pull money out of my XXXX account ( XXXX bank ). I never gave approval. I did a check online from my other bank ( XXXX XXXX bank ). A few minutes later my XXXX bank shows there is a transaction to pull from that account. I messaged prestige that I never consented to this. They just sent a message saying they were closed. I called the next day. I finally spoke with a XXXX. They are supposed to be sending it higher. But now I had to cancel the other accounts payment. I have fees to pay and I have XXXX XXXX an XXXX XXXX hours round trip to do this. They said it was an error. Yet I dont have automatic payments set up. Feeling someone on there end violated me. And I dont know how to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint to you today to inform you as well as the Credit reporting Agencies that I have been a victim of identity theft and that the items I am disputing were the result of such crime. I previously sent a letter dated XX/XX/XXXX with complete attachments of my personal identifying documents such as my driver 's license, SSN, as Proof of billing Address. I also attached a copy of the ID THEFT REPORT I received from the FTC. I have read that the Credit reporting agencies are requried to remove any account and information that resulted due to identity theft under the provisions of the FCRA section 605b. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the disputed accounts completely from my Credit report. If the Credit Bureaus insist that the disputed accounts belong under my name, I will need to be presented with documents bearing my signature to support the Credit Bureaus claims. If the Credit Bureaus can not provide me copies of documents I am seeking, I would greatly appreciate it if the Credit Bureaus immediately remove the dispute accounts. If it is not that too much trouble, please remove the follownig accounts completely from my Credit Report : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Original Creditor : 06 XXXX ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Reporting Agencies are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files 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. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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 Account Number XXXX XXXX
Product: Debt collection

my original debt was with XXXX XXXX. debt was purchased by jefferson capital. i settled and paid jefferson capital over XXXX i opened a checking account with XXXX  checking after doing so jefferson capital contacted me again with the same debt. i spoke with jefferson capital and they hardly speak english and are telling me to pay the XXXX. 
1account then a second account. On the 2nd go around they had my name spelled incorrectly. see attached of my passport and notice from jefferson capital
Product: Checking or savings account

I opened a Citi Priority Checking Account in XX/XX/2023 as it advertised to provide 50000 miles of XXXX XXXX when I opened it. 
I finished all the requirements on XX/XX/2023 : 1 or more bill payments and spending $ XXXX with its debit card. But I still did not receive the promotional offer yet even after I asked the Citi agent to check it on XX/XX/2023.