23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

We purchased a home that was being built. We took a loan from US Bank for the full amount of the construction but the lien was placed against our commercial dental office building instead of the new home. When the construction was completed we paid off the bulk of the loan with proceeds from the home we sold and then took a mortgage out on the balance from another bank. The loan was paid off in full on XXXX XXXX, 2015. Since that time, we have been trying to get US Bank to release the lien on our property. They keep assuring us that the release documents have been sent to our county recorders office. To date, the recorders office has not received anything from US Bank. In fact, the recorders office states that US Bank has placed XXXX liens on the property, both for the full amount of the original loan, which was {$500000.00}. US Bank says that the recorders office gave them inaccurate information which resulted in the second lien, but the recorders office denies it. Regardless of that, it now appears as if we have liens totaling {$1000000.00} against our office building which is paid for in full. Our numerous efforts to resolve this issue with US Bank have been without results. We have contacted the mortgage department, which is in a different state, and been informed that the release department will take care of this matter and be in touch with us immediately, but nothing has been done, nor have they contacted us as promised. They refuse to let us talk to anyone in the release department, or any sort of supervisor, saying that they do not accept calls. We have contacted the local bank branch, the loan officer, our commercial banker, and our personal banker and none of them will respond except to say that they are " looking into it ''. Due to the problems that have arisen from this we have moved all of our banking, both business and personal to another bank.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX  Final Rule XXXX ( b ) ( 4 ) XXXX ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

On XX/XX/XXXX, I activated an " offer '' on my Chase Sapphire Preferred Credit Card. This offer stated that if I used my card at XXXX XXXX for more than {$100.00} before XX/XX/XXXX, I would get 10 % back up to {$40.00} maximum. 

On XX/XX/XXXX, I used my card at XXXX XXXX XXXX XXXX in XXXX, TX for a total charge of {$240.00}. I have not been provided the credit per the offer terms above. 

I have contacted Chase 5 times ( via secure message and phone ) and provided specific details and screen shots. Every time, I am routed to a different individual who tells me that the offer was added after the purchase ( which is incorrect ) or that they will escalate the issue. Every time, I receive a response from a different individual ( via secure message or postal mail ) that states incorrect information : XX/XX/XXXX : Called Chase and explained that I was not credited for the offer. Given ticket # XXXX and told I would hear back in 5 days. 
XX/XX/XXXX : Received letter that claim was denied. Called Chase and spoke with supervisor. She initially claimed the offer was activated AFTER the charge and I explained that it was not. She said she would escalate it and I would hear in 7-10 business days. 
XX/XX/XXXX : Received letter that offer was not activated before purchase ( incorrect ). 
XX/XX/XXXX : sent secure message to Chase. Included Cardpointers screenshot proof. Asked for credit ASAP. 
XX/XX/XXXX : Received secure message that offer was activated on XX/XX/XXXX and they would not honor ( incorrect ) XX/XX/XXXX : called Chase and spoke with XXXX XXXX. She clarified that I was looking for a credit from " merchant offer '' ( and confirmed {$24.00} was the amount of credit due ). She put notes into the system that I was disputing the review and expecting 10 % statement credit. Also messaged a response and noted that it is fraud to provide an offer and then not provide the credit after the terms are met and asked them to resolve their IT issues. 
XXXX : received secure message that offer was added after purchase ( incorrect ). Called Chase. I was transferred 3 times ( XXXX transferred me to XXXX who transferred me to XXXX who transferred me to supervisor XXXX ). XXXX indicated that she can see the complaint and escalation ( Case # XXXX ) but, since it shows as closed, she can't do anything. She suggested sending a letter to the executive office. I am doing that but also filing a complaint with CFPB about this situation that has dragged on without reason given my documentation/proof. 

From my perspective, it is fraudulent to promise something and, when the individual meets those terms, not deliver. I know I've had other offers that have not credited but I can't fight those because I don't have proof like I do for this one. I've heard from Cardpointers ( an app that deals exclusively with applying credit card offers ) that Chase is using a new offers provider and there are other users who are also not being credited for their added offers.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have a collection from IC System for an account with XXXX XXXX XXXX XXXX that is not mine. This account has been disputed previously and removed from different collection agencies and new ones acquire the account to collect. I am a victim of identity theft and this was done by someone other than myself. This is a fraudulent account and has been removed by credit bureaus in the passed when it was with other collectors. I did not open this account or authorize anyone else to open it using my information. I have filed both a police report and identity theft affidavit.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding closed XXXX XXXX account no.XXXX. 
It has been disputed twice yet it comes back verified or updated from all 3 credit bureaus. 
Sometime ago I spoke with a XXXX  XXXX employee in XXXX even though I am quite fluent and educated in English.The gist of the conversation was that I had a card that had been fraudulently used by others or skimmed.Per the conversation, the card was closed and the debt was paid by XXXX XXXX and another card was to be re-issued and mailed. 
Instead the card did not arrive and my credit was damaged as if I had been the thief or fraudster.Instead my otherwise unflawed credit has been and continues to be damaged by this illegal fraudulent credit reporting regardless of credit bureau disputes.This grievous unconscionable behavior not only damages me but also the known forthright founder XXXX XXXX, CEO who built a small company into a the 10th largest bank in America.I 'm sending him a copy of this. 
I myself am wealthy, all properties owned outright, a large income until death and my children won't have to work as hard as I did.I 'm fighting XXXX and trying to get my family ready.I have to deal with your errors because the world requires it.If my wife 's credit was not good I might be in trouble with endless treatments to beat the XXXX which I shall.But, I will not permit XXXX XXXX to harm me without a fight.Do not call me I will be on vacation for two weeks.Send a fraud statement if you must, I'll sign with notary.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's a {$170000.00} loan my ex wife has thru our divorce. I signed the house over in the divorce. I've tried putting in a dispute when i saw it on my credit report. I have no ties to that house. I did try contacting the creditor, left a voicemail and still haven't gotten any responses. It's thru XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I just want it off my credit report. Like i said, i signed the house over in XX/XX/2010.
Product: Checking or savings account

I am writing as requested to provide you with the details of my, and my mother 's experience in dealing with Citi Bank since XX/XX/XXXX in regards to the Citi XXXX account my grandmother had with them. 

I have attached a copy of the complaint letter sent to their compliance department in XX/XX/XXXX, which fully explains the circumstances of the challenges we faced up until that date. We have provided a multitude of documentation, including my mother 's birth certificate, the original copy of the power of attorney ( which has still not been returned to us ) and legally notarized documentation to prove my mothers identity. 

I have also attached a copy of the full transcript of all messages sent to their customer services team via their company XXXX account, and copies ( with the account number removed ) of two subsequent letters ( XX/XX/XXXX and XX/XX/XXXX ) sent to the XXXX XXXX office, along with a response received from them recently. 

In XX/XX/XXXX, we also received a letter ( copy attached ) from my grandmother 's cousin ( XXXX XXXX XXXX who, along with my mother ( XXXX XXXX ) was named as 'ITF ' on my grandmother 's account. She informed us that she had gone to the bank with the documentation requested by the XXXX office and it had been copied and filed on the account. 

She also informed me that I needed to CALL the office in XXXX XXXX to get the funds released to me. I was not able to call and speak directly to anyone in XXXX XXXX, so again, I had to write another letter, to which I recently received a response requesting even more documentation and needing to go to the US Consulate in XXXX for attestation. 

For me not to receive a response to a recorded delivery letter ( sent via XXXX ) directly to their compliance department 6 months ago is surely against regulations? I have not even received a response from their compliance department to say that it is being investigated. 

I am happy to provide any other details requested, but this should NEVER have even got to this point. My mother was entitled to receive the money in trust to her in my grandmother 's account. 

To say we are beyond disappointed in why this has taken so long and caused so much distress to us as a family is inexcusable. We have done everything possible to try to follow through on my grandmother 's wishes and have been blocked in one way or another at every point by Citi Bank. 

My grandmother wrote a letter to your bank in XXXX saying that she wanted to come and sort the account out in person but was unable to do so due to her declining health. She also noted that she hoped she could do so in the summer of XXXX but it turned out that she was not able to do this either.
Product: Debt collection

There is an account with Franklin Collections that is not mine. I called them yesterday and the woman I spoke to was extremely condesending and I tried to explain to her that I had never had services with the company they said I owed. I told her that I wanted something showing my signature because again I had never had services with XXXX XXXX. She tried to dismiss me and told me to send them something in writing and they would forward it to the company for research. The rude woman I believe just wanted to get off the phone with me and I am worried that the certified letter I am sending will not get forwarded to the company. It is not my debt!!
Product: Credit reporting or other personal consumer reports

Experian is not removing old information off my credit even after a dispute on file.
Product: Debt collection

national XXXX XXXX has been reporting inaccurate information on my credit report. My identity was stolen and as a result, false inquiries, was made on my behalf. This account, is a brought debt, so the company doesnt own the debt.15 USC 1981 XXXX Numerous disputes were filed, with no results
Product: Mortgage

I 've been a happy customer with my ARM home loan I received with ING XXXX Bank in 2008. They have since been purchased by Capital One/ XXXX. I recently took the bank up on an offer that after I accepted and they implemented it I found it deceitful. They showed me for XXXX mortgage payment cost I could lock in my loan at a slightly lower then my current rate for 5 years. They hid the fact that the offer would shorten the amortization period of my loan by 8 years. I though I was locking in my mortgage rate for 5 years for a slightly lower overall payment. What I got was the the lock in, but the shortened term increase my payment by almost XXXX dollars a month. 

In the proposal they compared my current PI+Escrow payment to my new PI ( only ) payment.
Product: Mortgage

On XX/XX/XXXX, I contacted USbank with a question about my mortgage, only to discover the funding I had received up to XXXX, was unexpectedly reversed and removed from my account. The reason provided was that my account was deemed current, although it was not, and there were no prior notices or follow-up calls to inform me of this decision. I also was told the organization that funded my account reversed it, when in fact it was USBank that initiated everything. I dont understand the lack of honesty. 

This sudden reversal has left me in a precarious financial situation. As a responsible borrower, I had believed the mortgage payment was settled. However, due to the lack of proper communication and documentation, I now find myself facing additional financial challenges. 

I have diligently reached out to USbank multiple times, advising of the situation, and emphasizing the urgency of resolving this matter. Unfortunately, the absence of proper notes in their system has hindered any meaningful progress. I am deeply concerned about the impact this situation is having on my financial stability. 

I kindly request your assistance in investigating this issue further. Could you please look into the matter and provide clarity on why the funding was reversed? It seems I am now penalized for others error. Additionally, I urge you to address the lack of communication and ensure that proper procedures are followed moving forward.
Product: Student loan

I paid off my student loans during 2020 in full {$3600.00}. I learned that I was eligible to request a refund for this amount due to laws surrounding student loan payments made during the COVID-19 pandemic. I of course also learned that I would be eligible for Biden 's student loan debt forgiveness which was since been blocked- but that is besides the point.

I requested a refund in the hope that I would eventually also receive debt forgiveness. Edfinancial said they were processing the request and I have periodically checked in on the process. Most recently I saw that my balance on my account had increased from {$0.00} to {$3600.00} and that they have reported this balance to all of the credit bureaus. I have not received a refund for the balance. They are claiming that I have a {$3600.00} balance but I have not received a single penny from EdFinancial or any indication that money is coming any time soon. I have corresponded with them and received blanket scripted answers regarding the student loan forgiveness program. This is an entirely different situation separate from forgiveness. This is regarding the refund aspect. They are currently fraudulently claiming I have the full balance on my account despite me not having received any form of refund.
Product: Money transfer, virtual currency, or money service

I have a savings account with XXXX XXXX. I attempted to initiate a wire transfer from my account to pay a dealership for a vehicle on XX/XX/XXXX. The wire was canceled on XX/XX/XXXX due to fraud concerns despite the fact that I had verified my identity multiple times and called several times asking why the wire wasnt moving forward. I was told the fraud concern stemmed from my changing phone numbers on XX/XX/XXXX. XXXX XXXX has refused to provide a way for me to refute the fraud concerns and I am unable to wire money from my account for the foreseeable future. The only way I can access the money in my account is them sending a paper check to me or ACH transfer. Neither on helps me pay the dealership in a timely manner.
Product: Checking or savings account

On XXXX I receieved an email one or more of my account were overdue. I was unable to pay via a transfer from my XXXX XXXX to Navy Federal. I pay all Navy Federal through their built in External Financial Institutions connector and auto pay. 

on XXXX around XXXX, I contact Navy Federal to clear this issue and talked to XXXX XXXX I was able to pay only over the mobile app. 

I inquired how I was 2 months late.They told me there are complications with external financial institutions that can cut off the connection. I was given an array of reasons that boiled down it " It's complicated '', no specific reason was given, even though I asked more than once. 

The only correspondance I recieved from Navy Federal is when my account was 2 months overdue. I requested as to " when '' my auto-pay was turned off, they could not tell me. They also did not tell me " why '', other than a plethora of potential issues. 

There have been 0 notifications from Navy Federal via Email or Emessages ( in app or website notifications - I have screenshot ) to tell me an entire montly payment was missed. 

I will now have late payments on my credit reports. This connector has turned off in the past, and I thought it was a fluke until today. 

I can't expect them to fix an entire system that does not notify a consumer of a missed payment. I expected " auto payment '' to auto-pay and notifiy if the monies were not recieved. I am now 2 months behind and a pretty heafty bill I have to make room for. 

I've since paid all late balances via Navy Federal mobile app. 

I have also been advised of sure way to pay this bill without bounceback. They do not recommend using the built in connector, even though this is an option clear label it will fail at random times for no reason. XXXX stated the external banks can be read wrong and it will fail out. 

If I had known of this issues, I would not have used a method they allow to make auto-payments that may " sometimes '' fail without any reason they could give me difinitively over the phone.
Product: Student loan

There have been multiple times I was put on forebarance. Even while I was in school. They reported negative items on both mine and my co-signer 's credit reports and told us that she was still responsible for making payments even though the loan was in forebarance. I have made extra payments multiple times that just extend to the next due date rather than paying towards the principle. I have called and mailed letters to Navient, now I am working with a credit recovery company and they are still not responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. My name is XXXX XXXX and I have tried to several occasions to correct the fraudulent and incorrect accounts that Experian is reporting in my credit report. They refuse to report correctly, even when presented with proof. 

I have disputed these same items with the other major credit bureaus and they have deleted these accounts, but Experian just allows the creditors to say " verified '' without any documentation or proof. 

1. XXXX Account # XXXX Balance {$20000.00} Opened XX/XX/2017. There is a 7 year fraud alert on my credit report and this account is not mine and should be deleted. 

2. XXXX XXXX XXXX XXXX Account # XXXX is reporting 2 late payments on XX/XX/17 and XX/XX/17 and this is just incorrect. This account has never been paid late and is paid in full. 

XXXX XXXX XXXX  , XXXX Account XXXX XXXX is reporting 2 late payments on XX/XX/17 and XX/XX/17 and this is incorrect. I have never paid this account late. 

4. XXXX XXXX XXXX Account # XXXX The creditor agreed to remove this account and all late payments as it was sold to XXXX XXXX. However, Experian refuses to do that and just keeps saying " verified ''. 

5. XXXX XXXX  XXXX Account # XXXX is reporting a late payment on XX/XX/17 and this is incorrect. this account has not been late. 

I need these items corrected and updated immediately as it is preventing me from obtaining credit.