23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXXXXXX XXXX and XXXX XXXX i complaint to cfpb about XX/XX/XXXX # XXXX XXXX XXXX, # XXXX, and on XX/XX/XXXX, # XXXX again trying to collect.And i was having same issue with XXXX after payment on time for XXXX i thought i switched to progressive give chance to get lower payment..My quote was {$35.00} amonth for XXXX  months so i shared my credit card information.Than they charge my c/c {$170.00} more than i thought i was paying for simple coverage for my XXXX XXXX XXXX tried contacting capital one online but their stupid questions does not cover items like?? yes i gave my information, but i not approved the wrong amount i was charged..No i didn't call capital one because i always get someone can't speak English clear..I my XXXX XXXX c/c i was trying to dispute charge of {$170.00} i didn't approved of it.And now i got XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( wont disclose acct number ) 15 U.S.C 1681 section 602 A states i have right to privacy 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.C 1681c ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Mortgage

To Whom It May Concern, RE : // Union Bank Loan Number XXXX ; HELOC ABUSE ; ELDER ABUSE Union Bank is refusing to allow me to take out money from my {$250000.00} already approved HELOC because they claim I didn't have insurance on my houses when in fact I did with XXXX XXXX XXXX . I provided the proof again despite having it, they had it for the last three years. 

Then, they claimed there was fraud on the account yet, they can't provide any recorded statement or documentations of who reported fraud. 

Worst, they terminated my account by mailing me a letter dated XX/XX/2019, by stating, " the account has been closed and there is no longer an outstanding balance. '' I BELIEVE UNION BANK REPRESENTATIVES ( THEY FIRED ALL THEIR OLD EMPLOYEES, AND HIRED NEW ONES ) ARE COMMITTING FRAUD AGAINST ME BECAUSE OF MY SENIOR CITIZEN   STATUS AND MY XXXX. 

EVEN THE BRANCH MANAGER, XXXX XXXX SAID, " THEY ARE WRONG TO DO THIS. '' HER TEL. ( XXXX ) XXXX. 

CAN YOU HELP ME GET MY ACCOUNT NO. XXXX REINSTATED BECAUSE THEY ARE DISCRIMINATING AGAINST ME AND ARE ROBING ME OF MY {$250000.00}? 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am a parent of a  XXXX  and tried to open a debit card account for a minor. I already have a bank account + credit card with Chase Bank here in  XXXX , CA. The bank physical address address is :  XXXX   XXXX   XXXX ,  XXXX   XXXX , CA  XXXX  - Today,  XXXX   XXXX    XXXX   around   XXXX   XXXX   I tried to open a minor account for my daughter (  XXXX  yrs in few days ) with me acting as primary account holder. I submitted all my personal verification details and then account manager/bank  manager aske d more information about where I work, how much money I make, what other bank accounts, credit cards and liabilities I have.     I refused to give additional financial information about me and the bank refused to process my request to open an account. The employee called th e manager and manager  repeated the same information despite me saying that they have my  SSN and can always run credit report ( which I assume is illegal also ).      Collecting competitor bank, loan, credit card and other financial information is illegal from my perspective when I am trying to open a simple debit card account. Chase Bank is illegally requesting additional information and denying me to open a simple debit card as a neighborhood bank.  Chase manager  said, it is their policy to " get to know the customer '' and cite d Federal laws in a booklet which says " Banks may ask additional information about the customer '' - but does not  state, that can deny the service if not provided.     I want CFPB to take against this kind of forcing the customers to disclose additional financial information and gaining insights to further market products to customers when a simple debit card account was all I requested. As a citizen not asking for loan/debt, why should I disclose additional financial details to Chase Bank?
Product: Credit card

I just filed CFPB Complaint # XXXX, which, thank you, had been promptly forwarded to Citi Cards. On XX/XX/2017 I received a phone call/ voice mail message from XXXX , Citi Cards Executive Branch, XXXX, saying she would be investigating, and if I wanted to provide additional comment/questions. Well, although I appreciated the call, I did n't think it would be necessary to call her back, until this morning XX/XX/2017. 
When I received email notification of a new e-communication regarding the billing dispute. the e-communication when I opened the link to what is a closed account as of XX/XX/2017 was dated XX/XX/2017 and starts making reference to " credit slip '' which that was the first I heard about that. So out of curiosity, since something felt very odd about this new communication, clearly done in response to the CFPB complaint, I re-opened Citi 's XX/XX/2017 e-communication, and it 's a completely gone, and instead has been replaced with completely new language, with the original XX/XX/2017 date, and conveniently referencing " credit slip ''. Absolutely incredulous. 
I do n't know how this can be independently reviewed by Citi, since the four days of filing the complaint, they 've just been scurrying around creating documentation, instead of handling the original dispute of XX/XX/2017. Citi 's doing exactly what the vendor in the original dispute did, creating materials fraudulently to support their agenda.
Product: Checking or savings account

Hard inquiries from credit bureau that keep reopen and hurt my credit.
Product: Debt collection

Fair Collections and outsoucing is reporting a debt for XXXXFair Collection and outsourcing did not provide any signed contract .When a debt validation letter was requested all they sent was a ledger with charges. I am asking that Fair Collections and outsourcing please provide validation indicating that I owe the debt, a signed contract and details on why I owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. I have over 20 plus inquiries on my credit report. In which I didn't give anyone permission to pull my credit report. I need XXXX, XXXX, and Transunion to invesitgate with each company. To make sure they have a sign document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report.
Product: Checking or savings account

To Whom It May Concern, I am writing to file a formal complaint against Marcus by Goldman Sachs regarding the ongoing issue I am facing with accessing my savings account. I opened a savings account with Marcus by Goldman Sachs, but unfortunately, I have been locked out of accessing my account. Despite numerous attempts to resolve this matter directly with Marcus by Goldman Sachs, I have encountered significant hurdles.

Here is a summary of the issue : Access Issue : I have been unable to access my savings
account due to a purported inability by Marcus by Goldman Sachs to verify my identity. Despite providing all requested information and undergoing several verification attempts, I continue to be denied access to my account. 

Communication Attempts : I have called Marcus by Goldman Sachs customer service on four separate occasions and spent hours providing them with all necessary information and answering their identity verification questions. However, I have received no satisfactory resolution to this issue.

Affidavit Submission : In an effort to resolve the matter, I followed Marcus by Goldman Sachs ' instructions and submitted a notarized affidavit verifying my identity. I sent the affidavit on XXXX of this month, and despite this submission, I have not received any further communication or resolution from Marcus by Goldman Sachs.

Physical Branch Visit : I visited Marcus by Goldman Sachs ' XXXX XXXX location seeking assistance, but I was directed to contact their customer service number, which I have already done multiple times without success. 

Concerns : I am deeply concerned that Marcus by Goldman Sachs is withholding access to my savings account funds without valid reason. This situation has left me feeling powerless and anxious about the security of my hard-earned money.

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and facilitate a prompt resolution. I believe Marcus by Goldman Sachs ' actions are unfair and unacceptable, and I am seeking assistance in accessing my savings account funds without further delay.

Please feel free to contact me at [ Your Phone Number ] or via email at [ Your Email Address ] if you require any further information or clarification regarding this complaint.

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I received another response letter in the mail from XXXX XXXX XXXX, Vice President of Loan Operation at PHEAA/Fed Loan Servicing. It is my contention that my account with Fed Loan Servicing was setup incorrectly back in XXXX/XXXX/XXXX with an option called " paid ahead status ''. This option has been removed from my account. This option caused 9 of my Public Service Loan Forgiveness monthly payments to NOT count towards the 120 needed for loan forgiveness. Also, it was a FED LOAN SERVICING employee that told me to make a telephone payment of {$190.00} which was not applied to my account, as the old servicer XXXX had already taken out the {$190.00} that was due in XXXX. The 9 payments that I am disputing were made after Fed Loan Servicing sent me incorrect monthly invoices amounts instead of the amount needed to qualify for PSLF. There is also a delinquency forebarence listed for XXXX/XXXX/XXXX. They sent me an outdated form, then Fed Loan Servicing rep helped me fill out a new form and I faxed it over, I was switched from IBR to Repaye payment plan after checking the wrong box on the new form. 

XXXX XXXX XXXX ( XXXX ) can copy and mail me the same XXXX/XXXX/XXXX letter and it will not change my opinion. The Department of Education is a predatory lender and PHEAA/Fed Loan Servicing is a predatory loan servicer. If my goal was to make 120 qualifying payments why would they setup my account with " paid ahead status '' as an option other than to keep me from making the 120 payments for loan forgiveness. There is nobody that can hold them accountable. I have filled out the CFPB complaint, contacted FSA Feedback Center for an Ombudsman, and contacted my local U.S. Senator 's office to follow my case. The PSLF program is a sham. I have been paying on my loans for 10 years, and I never had a problem with XXXX XXXX or XXXX. My problems happened right from the beginning with PHEAA/Fed Loan Servicing. This is the 3rd CFPB complaint ( see # XXXX and XXXX for further information ) that I have submitted on this issue.
Product: Debt collection

Collection was paid XX/XX/2020. I asked the collection agency to please delete it from my credit as it is paid in full and was advised by two different account reps, that is not their policy and will only show as paid.
Product: Vehicle loan or lease

I have an existing auto loan with Santander XXXX  that was open XXXX of 2018. It has then come to my attention that this lender was part of a class action suit shortly after. 
After referring to the legal website where the information of the class action suit was obtained, it appears that I indeed to qualify for relief. 
Prior to my knowledge of the lawsuit, I have questioned my loan with the lender on numerous occasions. 
I also ave reached out to the company in efforts to get more information, where they were know help at all. 
A year later, I am still getting run around between Santander & the Attorney generals office as to how I can obtain information.
Product: Credit reporting or other personal consumer reports

JPMCB card XX/XX/XXXX. 
JPMCB card XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
CLARITY/CREDIT NINJA FMS XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my credit score and my ability to acquire credit. I need these false items removed from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions over the past 2 years, I have tried without success to write to XXXX, Equifax, and XXXX regarding their posting of a public record that is listed without any written or verbal authorization from myself or the US Bankruptcy Court XXXX XXXX of Florida. 

Based on the National Consumer Assistance Plan ( NCAP ) that was put in place by CFPB for all credit bureaus they have violated the requirements of this program with regards to transparency and accurate entries on a consumer credit report. 

I provided a letter signed from the court stating that they do no report any bankruptcy to the credit bureaus yet they continue to post information that was never authorized to be posted on my credit report. There are also incorrect and erroneous entries on the listings shown on my credit report for this bankruptcy which was not corrected and was ignored by the bureaus, demonstrating they violated the NCAP.
Product: Credit reporting or other personal consumer reports

I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information as you are in violation.
Product: Mortgage

In XXXX, I was assessed an insufficient funds fee for my mortgage despite the fact that there were sufficient funds in my bank account. I contacted my bank to determine why the payment was declined, and my bank told me that they never received the ACH request from RoundPoint. Accordingly, I called RoundPoint, and I was told that the customer service agent would put in a request to waive the fee, and I should hear back by the end of the month. I never heard back. So, I called again, and this time I was told that the previous customer service agent was incorrect, and all fee waiver requests would have to be in writing. I then emailed customer service on XX/XX/XXXX, but again never heard back. I sent another follow-up email on the XXXX of XXXX but never heard back. I called RoundPoint several times since my emails were unanswered. Every time I was promised a response, but RoundPoint never contacted me. I emailed again on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I requested that RoundPoint show me the documentation where my bank declined the payment. It is now over XXXX months later, and all that RoundPoint has stated is that their own internal review shows that they did not make a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX Over thirty days ago, I wrote to Credit Bureau company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureaus have not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence.

Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from their office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that that negative information from my account has been removed.
Product: Checking or savings account

Wells Fargo is a company with corrupt practices. Wells Fargo has put me in a very negative position. On the XXXX of XX/XX/year>, I received my direct deposit from social security. I used my direct deposit to pay off my cash advance loans from XXXXXXXX XXXX XXXX. I then used the remaining money to pay for my XXXX XXXX XXXX loan. Wells Fargo made errors on my checking account by charging me twice for my XXXX cash advance loan on the XXXX and on the XXXX of XXXX. This put my account in a temporary overdraft and caused my XXXX XXXX XXXX loan payment attempt made on the XXXX of XXXX to be denied. This has put me in a negative position because my XXXX XXXX loan has been unpaid for over 10 days without my knowledge. Wells Fargo has tried to hide their actions by disorganizing my transaction history. I tried to find the root of the problem, only to be met with arrogant, dishonest, impatient, corrupt customer service. Wells Fargo has tried to hide their mistake which they don't intend fix.
Product: Debt collection

I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. 

The following accounts are NOT MINE : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise we will be seeking a legal remedy in this matter.
Product: Mortgage

I have been working with SLS ( SPECIALIZED LOAN SERVICES ) since XX/XX/XXXX. They have ask me over and over again for the same documents as you can see in the documents provided. I ask for a pay off so that I could seek help in other places, they faxed me another clients information then about 2 days later I received the hard copy in the mail ( see attached documents ). Once I notified them of the wrong documents they had given me it was just a few days that I was given a work out payment @ more than XXXX the amount I was already paying. The payment does not add up for the financial proof that I provided SLS on numerous occasions. In the work out payment approval I was told that I was to pay a payment of {$1500.00} for 7 months, from XX/XX/XXXX, thru XX/XX/XXXX, with the months totaling 9 months instead of 7 months. I called my work out agent and she could not explain to me either how SLS came up with the number XXXX. I am working with an agency now for help at a " one time lump sum payments that are behind through one of the Government Funded Programs and what concerns me with that is that I have read several complaints on the Consumer Affairs web site where the lump sum payment was applied to someone else 's account which left them in their same predicament. I need help with this situation not just for me but for everyone that has been taking advantage of from this company. I look forward to working with you to resolve this issue as soon as possible. Thanking you in advance!
Product: Money transfer, virtual currency, or money service

My XXXX computer seized and message gave me an XXXX number to call. Person said my account was hacked and transferred me to " XXXX XXXX XXXX '' which was another scammer. He said I needed to withdraw {$25000.00} in cash to be deposited at another XXXX machine he would designate that would be more secure. The designated machine turned out to be Bitcoin Depot machine. I deposited {$15000.00} which was all the machine would accept. Scammer told me to send him a copy of the receipt. I never did. Reported this to the bank, filed a report with my local Sheriff, and contacted Bitcoin Depot. They directed me to send them the receipt, sheriff 's report, etc. so they could try to get part of the " processing fees '' covered because this was a scam. I sent the material but insisted they should refund the {$15000.00} since I was like any other legitimate depositor. They said they could not do that because the " QR code '' had been compromised. I explained that the receipt, QR code, etc had bot been provided to anyone and if the money had been transferred to anyone else it had to be a flaw in their system. They have refused to do any thing. Why would a " legitimate company '' refuse to even pursue this matter.
Product: Mortgage

Monarch Mortgage company fabricated mortgage closing documents years after closing settlement and amended my Deed of Trust years after the fact. Although, I refused to sign or amend any documents that were omitted during closing. Their response is that I signed a Power of Attorney document. ( false ) The POA would have been valid to conclude settlement documents and when Monarch held my loan. Instead Monarch, XXXX  XXXX XXXX and XXXX XXXX added forged documents to the Deed of Trust years after settlement without my consent and/or signature/initials.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX originally applied for and received a loan of XXXX dollars from XXXX XXXX ( XXXX XXXX. No. : XXXX XXXX ( XXXX ) a company whose loan products seem to now be owned by XXXX XXXX ( XXXX XXXX XXXX ). On XX/XX/XXXX, Launch Servicing LLC ( launchservicing.com also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 ) assumed servicing of the loan. I have since paid the balance down to XXXX dollars ( as of XX/XX/XXXX ). However, on my XXXX credit report it still shows a balance of XXXX dollars dating from XX/XX/XXXX under lender name of " XXXX ''. 

A few days ago, I contacted XXXX repeatedly and even filed a dispute resolution request online with them. XXXX then rejected the request and upheld the false balance entry, citing the fact that the lender maintained the balance is correct. ( I do not know if they spoke to XXXX, XXXX XXXX or Launchservicing ) to make this determination. I then contacted XXXX XXXX via phone, who refused to help in any way, giving me the phone number for launchservicing.com. I called launchservicing.com and they said it is XXXX 's responsibility to report the loan correctly, not theirs and that they ( Launchservicing ) had been reporting for me monthly ( a claim that is false as there is, as of XX/XX/XXXX XXXX PST no entry for Launchservicing.com on my XXXX credit report ). In sum, launchservicing.com puts the responsibility on XXXX and vice versa. XXXX defers to the " lender '' - I do not even know who they spoke to or who the " lender '' is at this point. In any case, my credit score is unfairly and materially adversely affected by the false balance appearing.