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

XXXX visited branch in XXXX MO and was assisted by manager and associate. Conference call with BOA Corporate to request Notarized Lien Release. Corporate said it would take 7-10 days to mail the document ( unable to email ... could fax, but I didn't have a fax # ). 
I waited additional days accounting for the holiday but the letter never arrived. 
Called in and spoke to XXXX ( have case # ) and she indicated she could email the document ( which the prior associate said they couldn't ). Email was received but was simply a letter and not a Notarized letter. ( fail ) XXXX I called in again and spoke to XXXX and provided a fax number to send the notarized Lien Release to. XXXX indicated it would be 2-4 hours to receive the fax. Fax arrived as Cover Letter ONLY, no Lien Release was included. 
XXXX I called in again and spoke to XXXX ( have case # ) and explained a third time that I needed a Notarized Lien Release and provided fax number. XXXX indicated it would take 2-4 hours to receive the fax ( nothing ever received ). 
XXXX I also informed the same branch manager ( in person ) that I worked with on XXXX that I was still needing the same document. 
XXXX I called a fifth time and spoke to XXXX and was then told it would take 7-10 days for them to generate the Notarized Lien Release and fax it. I escalated to her manager XXXX and he informed me of the same. I informed XXXX I was going to file a formal complaint because this was ongoing since XXXX to XXXX and still unresolved. He was not able to do anything additional so I ended the call and called back to the XXXX number to file a formal complaint where they simply told me the same as what XXXX and XXXX told me. 

There are major process and procedural issues with this bank. They give different answers each time and they say the prior person was incorrect. They are not able to actually " do '' anything about anything other than say they submitted the request and to wait another 7-10 days. 

I have also filed the same complaint with the XXXX XXXX XXXX and will be following up with state regulator as well. 

It is completely unacceptable for a bank of this size to require 7-10 days to generate a document and fax it ... and to then repeat that same 7-10 day process each time I call in for the exact same request. For comparison, I contacted another lender the exact same day and they printed, notarized and mailed the document to me within 4-5 days. 
- XXXX
Product: Student loan

XXXX is a debt collector for USAFunds. I sent them several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint. 


USAFunds is using XXXX as their debt collector. I sent XXXX several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint.
Product: Checking or savings account

On multiple occasions I tried to contact the citi bank about a promotional offer upon signing up for a checking account. I talked to 5 separate representatives over the span of 120 days and they all told me I followed the steps accordingly and should be expecting my bonus. The bonus was supposed to be given after 90 days from what all of the representatives told me and now its been 120 days and I havent gotten a single thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 1681 ( a ) ( 2 ) ( B ), Anything that was extended or authorized from a credit card should be excluded from my consumer reports. You are required by federal law to exclude any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device on a consumer report. According to 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

XXXX, XXXX and Transunion are reporting items from inquiries which is authorized by a credit card on my report. They are also reporting items such as citi on my report.
Product: Credit card

I sent American Express a payment XX/XX/2023 using a negotiable instrument and they are refusing to honor the payment. I sent a postal money order with a clear and conspicuous statement on it which stated I accept your offer in the amount of {$6200.00} for valuable consideration and tender this payment for the complete amount in accord land satisfaction upon redeeming This instrument. Without recourse By : my name. 
I am an authorized user for this account and the payment was sent in the name of XXXX XXXX. Both of our names are on the account. 
Once they accept this payment they are accepting the new terms I wrote in the negotiable instrument. There are laws that back this as well. UCC 3-311 accord and satisfaction states that if I can prove there was a clear and conspicuous statement in that money order than the debt is discharged. American Express is refusing to honor this and they are supposed to abide by these laws UCC3/603 tender of payment says if the payment is legal and they refuse it there it still discharge!! UCC 3-409 acceptance of draft states that as soon as they cash the negotiable instrument the new contract starts. 

American Express is clearly breaking the law and not honoring a lawful tender of payment!!
Product: Mortgage

Unfair treatment by Penfed. Has a costing date of XX/XX/XXXX. Was contacted by loan processor regarding gift letter. Gift letter was sent and PenFed refused to accept the gift letter due to PenFed would like both parties to sign the gift letter. Per FHA guidelines only the gifter or buyer needs to sign the letter and PenFed and there is no requirement for gifter and gifter 's spouse to sign a gift letter
Product: Credit reporting, credit repair services, or other personal consumer reports

americollect DID NOT EVEN SPEAK ABOUT THE REASON I SUBMITTED THE FIRST COMPLAINT TODAY. XXXX?!? ARE THEY EVEN READING WHAT I WROTE? AND YOU GUYS CLOSE MY COMPLAINT BECAUSE THEY SENT A LETTER THAT HAD NOTHING TO DO WITH WHAT I WAS COMPLAINING ABOUT. I HAVE PAID OFF THOUSANDS OF DOLLARS IN MEDICAL BILLS THAT WERE IN COLLECTIONS AND THEY WILL NOT UPDATE MY CREDIT REPORTS!! 3 OF THEM. 

WHAT ARE YOU GUYS GOOD FOR? YOU DO N'T EVEN MAKE SURE THEIR RESPONSE IS IN DIRECT RELATION TO THE COMPLAINT. WASTE OF TIME HERE!!!!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Zelle failed it investigate my claims adequately. They stated tracking these funds were unfeasable and recovering lost funds impossible. The CFPB finding indicate that Zelle has not only neglected to protect consumers but left them vulnerable to scams
Product: Debt collection

This report was done in error, If I received good or services, please have a senior executive certified under the penalty of perjury that have in fact received good or services in results of these transactions. According the FCRA 605B ( 15 U.S.C. 1681c-2 ) you must block the following alleged accounts immediately. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] and 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] respectively.

Account is the result of identity theft. Please remove from credit profile immediately.
Product: Checking or savings account

On XX/XX/2021, XXXX XXXX initiated a ACH pull out of my Discover Bank XXXX account into my XXXX XXXX account in the amount of {$10.00}. 

However, XXXX XXXX realized that my XXXX XXXX account has been closed, so they returned the {$10.00} back to Discover Bank ( see XXXX XXXX response to the CFPB attached ). 

Now that it is XX/XX/2021, the returned {$10.00} still did not show up in my Discover account.
Product: Debt collection

A XXXX account was created in my name in XXXX of 2011, however, I could not have opened this account because I was under the age of XXXX at the time. XXXX has a debt in my name for {$430.00}, which will deny me military access if the debt is not paid or cleared. I have never had XXXX, my identity was stolen and used to purchase XXXX illegally in the name of a minor. In 2011, when the account was opened, I would 've been XXXX years of age. Let me add that the account is registered to XXXX XXXX XXXX, XXXX, Kentucky, XXXX. I have never lived at said address, XXXX XXXX lives at said address.
Product: Payday loan

I had a signature loan with this company and when I went in to make my payment I was told that I had to covert over to their flex pay loan. Initially If I made XXXX payments I would have the loan paid off. I was tricked into changing over to this new loan with them. I was under the impression that I would still have the loan paid off when I made my XXXX payments. When I went in to make my last payment I was thinking that I was paying the loan off and the balance was still XXXX dollars. I feel that I was deceived and forced into a loan that I did not want. Full disclosure was give. I 'm a victim of deceptive predatory lending. I know the law has been broken
Product: Mortgage

My mortgage was sold by XXXX to a series of other banks. I was not informed about this sale, and I continued making payments to XXXX. I was recently notified that my home was being foreclosed on, even though I have money to pay my mortgage and have been doing so on a regular basis to XXXX, who was supposed to notify me about the sale of my mortgage to a different processing company. I have no idea who to pay my mortgage to. I spoke to a representative from Specialized Loan Servicing ( SLS ) during the pre-foreclosure time, who on a recorded call promised to email me a quote to bring the loan current and instructions on where to send my payment, I never received this information and now my loan has been transferred *again* to a new loan company and now they are trying to sell my house in less than a month. My credit has been severely damaged by this as well, even though I have not received any communication or statements from the new mortgage company.
Product: Mortgage

I currently have a foreclosure schedule for XX/XX/2022. I have been trying to get in touch with the " Substitute Trustee XXXX XXXX XXXX XXXX XXXX, who I am assuming is the same as " XXXX XXXX XXXX XXXX, as they have same contact phone number and business address. On XXXX, XXXX 2022, I spoke to " XXXX no last name, no job title, who confirmed the sale and I advised XXXX at that point that her company ( Trustee ) had not certified the foreclosure and they needed to cancel the sale. I have left XXXX message and spoke to XXXX on XXXX occassion 's and the last she actually hung up on me without answering my question. It is Virginia State Law that I must be notified by Certified or Registered mail. The Trustee could not give me the document number and my local post office stated that they did not have any certified mail come into my address in XXXX nor XXXX. There are things also about this foreclosure that makes me feel like it's not a legal foreclosure. I did some comparisions with the other foreclosures and these documents are including grantors who are no longer involved with this mortgage. For, instance a company by the name of Mortgage It. They sold the mortgage to XXXX XXXX XXXX and what is even more strange is WHY isn't XXXX XXXX listed on these documents. I want XXXX XXXX XXXX and SPS have to answer at least on question, What happened to all of the money that was sent to them to pay my mortgage payments. It went into a SUSPENSE ACCOUNT and then disappeared. I am at this point done done done done. I am prepared to move forward in a HUGE HUGE lawsuit. Based on, Banking Fraud, Lending Fraud, Mortgage Fraud, Wire Fraud. It ; XXXX prepared and ready to submit. They can give me a clear dead and title to my home, and XXXX XXXX Dollars, and I will hand over everything I have and not sell it to the news media. I can only imagine what will have to their STOCKS when the public see what they did. So, my complaint is : Virginia State Law says, I have to be given notice by way of Certified or Registered mail and that did not happen.
Product: Consumer Loan

My account with Paypal Credit is past due and received a message from them regarding a payment arrangement offer and to call them by XXXX to accept it. I called earlier this evening on XXXX, the rep put me on hold to speak with a senior rep regarding numerous notes on the account, I was then advised she can not speak with me about anything pertaining to the account as there is a cease and desist notice which I did not place and am not aware of. I previously advised her of the message regarding payment arrangement and if she can not speak with me then any such arrangement is pointless, null and void. Paypal Credit claims to have offered me payment arrangements/plans prior, however, I did not receive them and am not aware of them. I did call in prior to accept such plan ( s ), was told they are all expired. I also advised rep ( s ) earlier today and on prior calls that the orders from an XXXX are fraud, these are jewelry orders which I did not place myself and did not receive. I requested a settlement amount with the rep from earlier this evening but again, she can not speak with me about the account. This is very odd as the message I received prior regarding payment arrangement did not mention anything about a cease and desist, this is totally bogus in my opinion. I called back again and message said they are closed at XXXX XXXX, I believe the rep I spoke with prior made the story up about cease and desist up so as to get me off the phone so she can go home as they are closed.. Please advise Paypal Credit I am at my wits end with them and I will offer them a settlement amount of XXXX, the balance as of now is around XXXX. I believe XXXX is fair considering the orders to XXXX are fraud and run into the thousands. If they will adjust balance to XXXX I will make XXXX last call to discuss payment arrangements. If they do not accept then that is their loss, a prior collection agency referred the account back to them due to fraud charges and my unsuccessful attempts at making payment arrangements directly. Having said this, you would think Paypal Credit would be more cooperative in this matter. In closing, please advise them of my offer of XXXX settlement and payment arrangement
Product: Credit card

Ordered a perishable food item from a vendor. Item was returned to sender by USPS. Vendor did not include proper delivery instructions for this item and it was a long holiday weekend. 

I never received the item. Tracking information shows the item was returned to vendor. 

PayPal is stating item was received, which is false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to rent an apartment and noticed there was a collection on my credit report stating I owed a company by the name of XXXX, I was never notified of this, this is un-verified, I have tried calling the company and disputing this as well to get if off my report. This is a defamation to my character and has also created issues for me. It is also my understanding that under fcra 15 u.s.c 1681 any of unproven, non-compliant, incomplete, untrue, and or un-verified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted. 

XXXX Acct # XXXX XXXX {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX and the reason I reaching out is to complain on TransUnion and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. the following accounts, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate deletion of the XXXXXXXX XXXX XXXXXXXX account from my credit report due to multiple discrepancies and inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit reporting agencies are obligated to ensure that all information contained in consumer reports is accurate, complete, and verifiable. 

Upon reviewing my credit report, I have identified the following discrepancies that render the XXXX XXXX XXXX account inaccurately reported : Credit Limit Discrepancy ( XXXX Report ) : The XXXX report lists a credit limit of {$0.00}, whereas the XXXX and Experian reports correctly list the credit limit as {$1700.00}. This discrepancy indicates a failure to report accurate information. 

Date of Last Payment Discrepancy : XXXX reports the date of last payment as XX/XX/year>, while XXXX reports it as XX/XX/year>. The inconsistency in payment dates between the credit bureaus is unacceptable and misleading. 

Account Activity Discrepancy : The account 's last activity date is reported as XX/XX/year>, by XXXX, and as XX/XX/year>, by XXXX. Such conflicting information suggests that the account is not being reported accurately. 

Incomplete High Credit Information ( XXXX Report ) : The XXXX report fails to list the high credit amount, unlike XXXX and Experian, which both report the high credit as {$2300.00}. This omission demonstrates a clear lack of completeness in reporting.
Product: Student loan

Navient by far is the worst student loan provider. I am not available during their business hours to talk about the services of my loan. I received and email stating " the program I am entered in is ending XXXX 2017 ''. I took the proper action in writing to them asking how much my payments would go up -- as I can not talk on phone during their business hours as I am working and paid to do so not talk about personal affairs. I have tried for 3 days to get the amount of how much this loan will be going up. NO ONE has been able to answer my question. They all say to call even though I CAN NOT TALK DURING WORK HOURS. I have put in writing that if I am in auto pay that this new amount whatever it is ( since again they will not disclose nor on the website any where does it state what the new amount will be ). They do NOT HAVE PERMISSION to deduct any amount other then I agreed to of XXXX. ( which Is all in writing in several several emails as well ). AS no permission will be granted. I am looking for disclosure of my loans. If they can send out an email stating that this program I entered is going up -- some where on their site MY INFORMATION should be made available. But nobody is willing to direct me in any direction nor let me know where to look! As I am waiting for the end of the month to make sure THERE IS NO NEW DEDUCTIONS, as I have everything in writing.