23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX has embezzled our homeowners insurance draft of {$24000.00} that was paid to us by our insurance company for storm damage. We have fixed 90 % of damage with our own funds and the bank has sent inspectors 3 times and has still not released our funds and are playing with our money and emotions for the last two years. Trying to get them to release our funds has not worked and in the meantime they have " sold '' the mortgage loan servicing to Rushmore Loan Management Services and they repeated the above process and not returning phone calls or communicating by mail or email. 
This money is being illegally held by the mortgage servicer as it does not belong to them and was specifically for home repair that we had to complete before the bank would release the money. The bank requested detailed invoices and releases of liens from the repair companies that fixed the damage that we paid for. They also sent out inspectors at different times and have not released our funds since the last two years. The fair resolution is that they immediately release the {$24000.00} and pay the costs and interests on this amount. Thanks. 
Please help protect the consumers!
Product: Credit card or prepaid card

I applied for Chase IHG card. I was turned down. I called for reconsideration twice. The same person handled my call. I was turned down for nonsense reasons. I felt that I was being discriminated against by that agent. I applied for a similar card at XXXX and was instantly approved. Which proves to me that Chase was just discriminating! Please be aware that I have been a customer of Chase for 43 years. They have my 1st and 2nd mortgages, checking account and credit cards.
Product: Checking or savings account

I was informed that the amount I XXXX  was different from the amount I sent
Product: Credit reporting

I have been disputed this account too many time, and nothing happened every time I call the credit bureau they say there is nothing they can do it about it, XXXX XXXX XXXX # XXXX account have been discharged through chapter XXXX XXXX # XXXX account have been discharged through chapter XXXX XXXX # XXXX account have been discharged through chapter XXXX XXXX XXXX XXXX NA # XXXX this account do n't belong to me
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

On XX/XX/XXXX I made an agreement with then XXXX XXXX ( now serviced through Navient ) to settle my loans through them for a total of {$17000.00}, I was told by the representative that in order to allow this settlement and to set up my automatic payments of $ XXXX/monthly, I needed to pay them {$5000.00} to be eligible. I paid them {$5000.00} XX/XX/XXXX. The settlement was that I was to pay $ 200 monthly until the {$12000.00} remaining balance was paid off. I made my final {$200.00} payment to Navient on XX/XX/XXXX. I verbally confirmed this with my 'account representative ' XXXX. I asked Navient 's account representatives to send me confirmations of my payments, bills, as well as a letter stating the terms of my settlement. I never received anything after multiple phone calls over the past five years. I logged into my account to see that my address information was erased, yet they require this information to be given every time I call. I contacted Navient XXXX/XXXX/XXXX and the representative I spoke with gave me a case # of XXXX, yet told me that her department does not handle payments and that I need to call back on XX/XX/XXXX to check the status, as well as, contact Navients " collections department '' after 45 days of my final payment ( which was XX/XX/XXXX ). XXXX/ Navient never updated my status to a settlement account from defaulted on my credit, therefore every month for the past almost 7 years, they are reporting my account as seriously as past due and that I have not made the required payments. I have never missed a payment since reaching this settlement agreement with them on XX/XX/XXXX. They have seriously negatively affected my credit and have hindered my life due to refusing to update my loan status. My loan is paid in full as of the XX/XX/XXXX payment and I would like for the settlement to be completed and shown as paid in full on my credit, as well as with a letter stating this from Navient.
Product: Payday loan, title loan, or personal loan

I obtained this loan not realizing how bad the interest rate would really be and what it would mean to me. My loan initiated on XX/XX/XXXX. I eventually made arrangements to pay what I owed off at the rate of {$100.00} a month. I have been doing this for the last 6 months. I have more than paid the amount that I owed yet I still owe {$710.00} as of today.
Product: Credit reporting or other personal consumer reports

According to my credit report, I noticed my privacy rights were violated. 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  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. The accounts that are in violation of my rights are listed below. XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX  XXXX XXXX ACCT # XXXX
Product: Checking or savings account

An unauthorized stranger went in person to a Citibank branch with a debit card and a pin and to a teller and withdrew {$9600.00} from my savings account at XXXX on Thursday XX/XX/year> in cash and the teller only accepted the debit card and pin as identification. The bank has done nothing as of now Monday XX/XX/XXXX. Ive had to close my account .. open a new account.. freeze all my credit .. and I still have not gotten my money! I have filed a complaint and a police report.. I have an email with address where the debit card was sent and the email of the bank address of the transaction and the teller that made the transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

I divorced my spouse over two years ago and want my name removed from the mortgage at Experian and XXXX XXXX credit agencies where I am listed as owning the mortgage. I filed a quit claim deed for the mortgage and an assumption agreement was filed by my wife as well. My dissolution of marriage judgement, marital settlement agreement, quit claim deed, and assumption agreement of my ex-spouse that XXXX XXXX XXXX bank is a party to, all of which clearly show that my wife has assumed the mortgage were sent to Experian andXXXX XXXX. Both have refused to remove the mortgage from my credit report. This has denied me the ability to purchase another home.
Product: Prepaid card

I purchased a Blue Bird AMerican Express card for {$20.00} from XXXX. I set up my account with them and had {$850.00} transferred from my checking account to my American Express Blue Bird card. In XX/XX/XXXX American Express put my account on hold requesting a copy of my bank statement. My husband emailed them a copy of the bank statement. American Express said they can not except my bank statement and shut my account down. They refused to give me access to my {$870.00}. I was told I had to wait until XXXX XXXX. On XXXX XXXX I could go to the State of Wisconsin and claim my " unclaimed property '' Today XXXX XXXX, 6 months later the state of Wisconsin does not have any unclaimed property in my name. I called today and was told they can not tell me when my money will go to the state of Wisconsin, but it will.
Product: Checking or savings account

As stated previously, I am a XXXX XXXX citizen. Accounts ( personal, business, savings ) were opened for me at a US Bank branch only after an employee obtained explicit supervisor approval, fully aware of my age and citizenship. I opened the personal checking at another branch without problems at all, not even a word about the age problem. 

On XX/XX/year>, the same employee who obtained this approval called, demanding I add my mother as a joint owner to a personal account within approximately 3 business days, or it would be closed. Options for the business account were supposedly to be reviewed separately. That same day ( XX/XX/XXXX ), I responded via email, stating I would not comply with the demand, citing the bank 's prior explicit approval of the accounts under my name. I also requested the matter be escalated to the supervisor. 

Despite my response and before the deadline had passed, the bank proceeded to close all three of my accounts later on XX/XX/year>. I discovered this during a previously scheduled appointment at a different branch on XX/XX/XXXX. I sent a follow-up email on XX/XX/XXXX expressing my dismay at the closure happening without notification or supervisor response. 

On XX/XX/year>, I received official closure letters dated XX/XX/XXXX via certified mail. These letters offer no specific reason for the closure, simply stating it's " In accordance with U.S. Bank 's Your Deposit Account Agreement & General Terms and Conditions ''. While the agreement does state the bank can close accounts " for any reason or for no reason at all '' and provide notice after closure, this contractual term does not excuse the contradictory actions, the failure to adhere to the given deadline after I responded, and the lack of specific justification in light of the explicit prior approval. 

The entire process approving the accounts knowing my status, reversing course based on that same status, setting a deadline then ignoring it after I engaged, closing all accounts prematurely and silently, and providing only a boilerplate non-explanation constitutes an unfair and potentially deceptive practice. I believe these actions may be discriminatory based on my age and/or national origin.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/20XXXX XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX : XXXXXXXX XXXX XXXX : XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

LVNV Funding LLC amount owe {$1100.00} XXXX XXXX Not My debt Called Company to dispute XX/XX/2020 COMPANY STILL HAS YET TO REMOVE/DELETE from my credit profile
Product: Money transfer, virtual currency, or money service

-On XX/XX/2024, I opened a Robinhood account. 
-Between XX/XX/XXXX and XX/XX/XXXX, I deposited a total of {$9500.00} and accrued additional money due to Bitcoin 's increase. 
- On XX/XX/XXXX, I was shocked to see an alert on my phone that all of my Bitcoin had been sold ( I did not approve this sell ). I mistakenly assumed that someone had hacked my account and it caused extreme stress. No one from Robinhood had alerted me that they intended to make such a big transaction.

- Later in the day I received an email from Robinhood that they could not longer support me as a customer and that they would return my funds if " eligible. '' I was told that no other information would be provided and I had no idea why this had happened. I STILL have not been informed of this rationale. 
-Between XX/XX/XXXX and today ( XX/XX/XXXX ) I have been trying in vain to speak to a representative. However, the only way to speak to a person is to log in with your account. When I do this, Robinhood refuses to take my call. ( I wait in line for up to an hour then am given the message that my call has been lost in line. ) This has happened multiple times. 
- When I inquired through email if my account was " eligible '' for a refund, I received a message that it was still being determined if my funds are eligible. 
- I deposited the funds directly from my two checking accounts and my XXXX account. 
- I have waited and waited, but my funds have not been returned and I am concerned that Robinhood is in the process of fraudulently stealing this money from me. I am a XXXX XXXX and was depending on this money for summer. 

Thank you for your assistance.
Product: Debt collection

Affirm is claiming I owe a debt with there company when I was victim of identity theft. Affirm have 2 different addresses with this fraudulent account one wich I have never been resident at. Affirm claim that this account was being paid off. And thats there proper investigation of stating that I on this fraudulent account. Affirm refuses to send me proper evidence such as acc numbers statement or bank account wich this account was used to be opened. I spoke with affirm fraud department wich said they would do a proper investigation. They did not. I will be filing a complaint with my states attorney office as well. For discrimination and reporting false information thats fraudulent. Knowing that I was victim of identity theft. I never received any bank statements or application for this company to back there claim wich I so clearly asked for. They telling me its my account because the loan or whatever account was open with them under my name was being paid. And I guess the payments stop not sure because this company refuses to give me that information
Product: Debt collection

I called the company which has reported it to all 3 credit bureaus, I was hung up on twice after they repeatedly said they couldnt even locate the account through my social security number or account number listed on the Experian website. Finally my husband called back because I was in tears and he got the same answer they could not locate the account on their end. I told them I would screenshot shot and email what I was looking at and they refused. I told them I was a victim of identity theft that was so severe that I legally had to change my name and now I will be having file for a new social security number but they didnt care they still refused to remove the debt. It is not mine obviously and the fact they couldnt even find it in their system and refused to remove it then hung up on us a third time Im at a loss. My credit has been ruined due to this person stealing my identity. Ive lost everything from my house, my job, XXXX XXXX XXXX  and I was insured through Experian who has not compensated me a dime even though their logo is that we will take care of you and your insured for a XXXX dollars. I have police reports, bank statements, XXXX accounts, XXXX accounts, the list is never ending. Now 2 cell phone bills in collections that were opened by 2 different companies 2 months apart in states Ive never lived in. Im begging for help. My credit is already ruined and continues to be ruined. This person opened docial media accounts with my maiden name, and my married name. Has previous address dated back when I was in sixth grade. She has my birthday listed as hers, my parents and children listed as hers. The police have done nothing Ive filed with the FTC already yet Ive received no help at all. XXXX is the insurance company who is supposed to pay out claims for identity theft victims for Experian yet they just ignore me even though they after a thorough investigation they found my identity to in fact to be stolen. The amount of damage and damage that is still going on is priceless. I cant even get a credit card. She dropped my credit from a XXXX to a XXXX. Please Im begging for someone to help me, Ive been XXXXXXXX XXXX XXXX XXXX XXXX XXXX  because of ongoing damage. Just today she hacked my XXXX account, shes hacked two of my email accounts Ive never been able to recover.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a formal complaint with the CFPB in regards to XXXXXXXX XXXX. The complaint was made on or about XX/XX/2021. My request was to have my mortgage properly reported to the credit bureaus. XXXX contacted me the next day stating that they complaint would be reviewed. I provided XXXX with the documentation requested to get the credit report corrected. Then sent the information on the payments to the credit bureaus based on the recommendation of XXXX XXXX. A letter was mailed with the document requested to reaffirm the loan and the bank claimed that they did not obtain the document by mail. The steps after that I contacted XXXX and submitted the reaffirmation via electronic upload. This was done three times and was advised that the documents were received but every time the bank was contacted a representative gave information that conflicted and has not been resolved. I have contacted the Bank over 7 times by phone and submitted 2 uploads to the secure message and sent four messages back. The bank is aware that I want to get my credit properly reported on the credit reports. The request has been delayed either on purpose or to unlawfully harm me as the actions have hurt my credit report. I am seeking that my credit report be corrected immediately. XXXX does not want to update my loan as they are keeping me hostage with a lower credit score. I was advised that the reporting of the loan with a reaffirmation would resolve the matter and raise my score and allow me to qualify for lower rates. In the last month the interest rates have increased and the bank continues to not correct the issue. The bank is using their power to abuse the system and fraudulently not report my payment history.
Product: Mortgage

Im submitting proof pertaining to a previous complaint where the mortgage company is holding my money until XX/XX/XXXX for this coming month to accrue interest on a payment that they said was from XX/XX/2022. I have submitted all of my payments and I am current till the end of XXXX and I dont want them to wait until XX/XX/XXXX to decide that they need another payment right away. I have submitted three payments Since XX/XX/2022 to XX/XX/2022. Please tell the mortgage company to apply my money and stop holding it in the back room per XXXX and apply it to my account. I am a senior citizen and I need to stay in my house, I dont not want them to try to take my house away from me using unethical banking practices. If theyve gotten the money, they should have applied it already.