23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been using my Sam's/Synchrony card for a number of years. My husband passed away on XX/XX/2021. I called the card number and reported that I had 4 fraudulent charges from out of the country. In the process, because my husband was the primary cardholder, they sent me to their probate department, closed my account, and told me I would receive information in the mail about what to do about the fraud. 
This happened on XXXX XXXXXXXX XXXX 

On XX/XX/2021, I received notice that Payments that I had made using Sam 's card had been taken back by the credit card company. Upon talking with Synchrony, I discovered that 2 payments had been taken back. One payment was for business insurance and had been paid on XX/XX/2021 and the other for health insurance that had been paid on XX/XX/2021. I pay my balance in full every month, so these 2 payments had been paid by me approximately 2 cycles ago. I was given no explanation for this. I believe this to be fraudulent. Why would a company go back 2 months and take back money that had already been paid off? The reason is clear to me. My husband died and they were afraid they would not get the current amount due, so they resorted to sleezy tactics to make sure they would not lose the money. I can tell you as a lady that just lost her husband and now has to spend countless hours on the phone apologizing to insurance companies for something that was not my fault, but the fault of greedy, dishonest credit card issuers, this should never be allowed. We have a high credit score and have always paid our bills. They had no reason to think they would not get paid. This is a disgusting way to treat people. Please investigate. I hope charges can be filed. I am reporting this to every agency that I can. So dishonest!!!!
Product: Student loan

Basically this institution ( the XXXXXXXX XXXX XXXX XXXXXXXX ) falsely misleads students into the thought that this program can be completed in three years. With the very challenging schedule and work behind it, I was not able to complete the school. I got to a point where I couldnt progress any further. The Institution is no longer in business and there are multiple lawsuits out there claiming the same as I am. I dont feel that it is fair that I have to pay all or a portion of this $ XXXX loan when I was misled. Not to mention, if i decided to try this course again, I wouldnt be able to because they are no longer in business. Please help.
Product: Mortgage

{$460.00} was an overage of my escrow account, the co borrower is no where to be found, I do have a quit claim deed to the property when she disappeared. They lender first told me they would send check in my name, that didn't happen. It was sent in both names. I called them and they stated they couldn't do that, but they wanted me to do an assumption on my loan to remove the other party. I am not able to do that as she can't be found. I would need her signature. If I can't find her to sign a check how can I find her to do an assumption ( of which they wanted closing costs, far more than the value of the check ). I asked a supervisor to apply the overage towards a payment, she stated she couldn't do that, and they would just keep the overage of the escrow account. 
The lender is Roundpoint Servicing LLC
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have about XXXX XXXX in my account I cant do anything with because juno bank/ trust has all types of problem. Which include no ach payments no money in or out as well as Crypto. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX get canceled and never return to my bank account. I called XXXX XXXXXXXX XXXX XXXX  and they said they returned the payment abd any problems I have are with my bank.juno.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was using XXXX, and I sent a {$500.00} payment to my husband 's XXXX  account. 
My husband tried to transfer the funds to his bank account but had issues with it ( due to XXXX  showing different errors ). After being unable to do it, he decided to send the money back while we look for other way of transferring it. I tried transferring it back to my bank account using standard transfer which takes from XXXX business days and tried closing my account since XXXX  for me never worked properly and I did not tend on using it going forward. They sent me a final statement which showed {$500.00} transfer as issued. 

On XX/XX/year>, I discovered that the money still has not been transferred so I decided to contact XXXX. They informed me that my account was open even though I closed it and that the funds were still there due to XXXX  reviewing the transfer and cancelling it without any explanation, without notifying me or asking for any information if they needed it. They informed me that they would need my ID uploaded which I did right away. My ID is valid and unexpired. 

On XX/XX/year>, I received this email You have a new message from XXXX  regarding request # XXXX. To respond, simply reply to this email. 


Hello, Thank you for contacting us. 

After reviewing your account, we have determined that it is not eligible for reactivation due to concerns regarding your activity. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the XXXX service. We do not make these decisions lightly, and when we do it is to help improve the safety of the XXXX  community. 

If you are reaching out to inquire about a remaining balance in your account, please know that the funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your XXXX  account should these funds be available for transfer in the future. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Thank you for your understanding. 

Team XXXX  After this I have not contacted XXXX. I would like your assistance if possible with this matter as this is almost unprecedented. I have never, done anything against any of the terms or rules of XXXX, as I mentioned it was a simple transfer between me and my husband that was unsuccessful due to XXXX XXXX fault and it is unbelievable to me how inconvenient XXXX  has made this for me just getting my own money back that I sent 10 minutes prior to this transfer. I would like my funds released as soon as possible otherwise I will be forced to take other legal actions against a company with highly questionable and unethical business practices
Product: Credit reporting

I Received Notification That Experian Concluded My Request For Investigation In Regards To My Zero Balance Accounts With XXXX And XXXX XXXX. The Credit Reporting Agency Has Not Corrected My Credit Report In Regards To XXXX, And XXXX. XXXX These Accounts Are Paid In Full, And Should Reflect A Zero Balance. Please Update My Credit Report, As It Is Negatively Affecting My Credit Score, And My Credit To Debt Ratio. As of Today, My Experian Credit Report Is Still Showing My Debt As {$4800.00} And This Is Not Correct. And The Credit Reporting Agency Should Know, That The Balance is Zero.
Product: Vehicle loan or lease

On XX/XX/year>, a letter was received from XXXXXXXX XXXX indicating that CARMAX Auto XXXX XXXX XXXX, located at XXXX XXXX XXXX. XXXX XXXX, TX, was contemplating extending to the recipient a credit sale or lease of an automobile or another product. The letter requested that XXXX XXXX  accept the obligation. The recipient, having no prior knowledge of the letter 's contents, contacted XXXXXXXX XXXX  on XX/XX/year>, inquiring about its origin. It was established that the recipient had not applied for anything with CARMAX XXXX XXXX, nor had they visited the local store. Following the inquiry, XXXXXXXX XXXX sent a letter dated XX/XX/year>, responding to the recipient 's request for the removal of an XXXX XXXX credit inquiry from their credit report. The bank suggested that the recipient contact the Finance Manager at XXXX XXXX XXXX XXXX TX at ( XXXX ) XXXX, as well as all Credit Reporting Agencies , to report potential 'fraud ' or 'identity theft '. Additionally, the recipient reported the incident to local law enforcement and submitted an Identity Theft Report to the Federal Trade Commission. Two weeks ago, the recipient visited CARMAX but has not received any updates or further information. Despite their attempts to contact the company, they have been ignored.
Product: Credit reporting or other personal consumer reports

Collection agency name : XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX Account number : XXXX Your NAME : XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

Paramount Recovery has repeatedly placed collections accounts on my credit report. The first time around, I sent them a request for debt validation. They did not respond ; however, they deleted the inaccurate accounts from my credit report ( and proceeded to sell them to another collector. ) They now have an account listed for {$1600.00} for me from XXXX XXXX XXXX. I sent a request for debt validation to them via certified mail. They received it, however, they have not complied. Furthermore, another collection agency ( XXXX XXXX ) is attempting to collect the same debt. They also can not validate.
Product: Credit card or prepaid card

Was cut off my credit cards and was reported my capital one that I was deceased so wasnt able to do anything with my account for years
Product: Student loan

Nelnet is erroneously and arbitrarily charging my interest on my student loans that were in save and now in forbearance. 

From nelnetsnown admission, they have no idea what they are doing. They claimed I had {$81.00} in unpaid interest, which is mathematically impossible, as over {$100.00} of interest was paid on XX/XX/XXXX, and somehow {$81.00} accrued in 2 days. 

They also claim they have applied interest to my account after XXXX XXXX XXXXXXXX and also said that under the save program no interest accrues month to month, they also said the save program ruling forbearance went into effect XX/XX/XXXX. 

My interest was increased since XX/XX/XXXX, and interest has been paid, that should now have been paid according to the XXXX. 

Ive sent a complaint in, and nelnets response was not logical, and I dont know how it was closed. They contradict themselves and actually agree with my in their response. 

CFPB is admitting to charging interest to accounts and then lying about it multiple ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX.
Product: Vehicle loan or lease

I voluntarily gave them the car back, they sold the car for more what they are trying to get from me.. They broke even on the car to what I owed and they got back from the sale and then they tried to harass me by sending fake people to a past address trying to sue me
Product: Credit reporting, credit repair services, or other personal consumer reports

I finished my loan installment with XXXX XXXX XXXX  in XXXX of XXXX.I never had a late payment during this time. It has been brought to my attention that after the account was closed due to me finishing the loan installment plan theyre still reporting to the credit bureau that I have late payments on my report and it is extremely impacting my credit score and me being able to purchase a house. This is inaccurate information being reported to the credit bureau I finished my loan in XXXX with no missed payments and this is very frustrating to see.
Product: Credit card

On XX/XX/XXXX, I booked a trip on XXXX XXXX XXXX XXXX, XXXX XXXX, but right after I paid, I realized that Ive put the wrong dates by mistake I was very worried because I did see the non-refundable policy from this property on the detail page. And I also checked the correct dates were actually not available to book, so there was no way to ask for a modification of my booking. Since it was midnight and no XXXX customer agents were available at that time, I only had to contact XXXX  credit card customer service to ask if there was anything they could do to help me with this case. 

The agent on the call, the agent assured me that in this case, I could wait a few days for the pending charge to be posted, and cancel the service and submit a dispute, and eventually get money back with XXXX help. I was hopeful from what the agent told me, so I did what she told me to do, saw the pending charge posted on XX/XX/XXXX, canceled the stay with XXXX the same day, tried to work with them to get the dates modified or get the full refund but all failed. So I submitted a dispute, hoping to get my money back through my bank. After waiting for a few months, I got a rejection from XXXX for my dispute. I called XXXX customer service again to explain what happened and what the previous agent promised me. The new agent asked me to re-open the dispute by submitting supporting documents, which I did what she said. The case was re-opened but I was not being contacted or notified for the final results. I have been tracking the dispute process on my app though for a few months, and no updates until recently, the case was closed quietly. No notification, no contact from the bank, it secretly closed. And of course, I did not get my money back or even get an explanation. 

Since I did not actually stay at the property, I believe they did not have any losses due to this however, I lost {$XXXX} for nothing. XXXX it was caused by my own mistake in the first place, but I acted very quickly to try to correct the mistake, although the policy was too strict for me to do so. Moreover, what the first agent told me made me feel confident to get my money back with XXXX help, which turned out to be not, which is very frustrating : (. And the fact that no communication afterward is also frustrating. I hope XXXX  can help me get my money back as I indeed did not use the service at all. 

Also I was unfortunately impacted by a mass layoff in XX/XX/XXXX, and not yet found a job due to the harsh market. {$XXXX} bucks would really mean a lot to me at this challenging time. I sincerely appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account XXXX Date open XX/XX/2019 balance XXXX and loan by phone/ XXXX XXXX XXXX acct XXXX XX/XX/2019 balance XXXX both this debt was settled with collections and XXXX XXXX and Experian will not fix after multiple disputes and have sent settlement papers and keep coming back verify without stating how they verify that debt was validated
Product: Credit reporting, credit repair services, or other personal consumer reports

someone stole my credit card and used it, it was a XXXX XXXX XXXX XXXX. XXXX XXXX took care of that immediately, but then on XX/XX/XXXX I got a XXXX XXXX hard inquiry on my experian that I did not inquire about, I called to get that taken care of but they told me the inquiry wouldn't come off for over 100 days. 

on XX/XX/XXXX I got a hard inquiry on my XXXX from XXXX XXXXXXXX XXXX, I called them to get it taken care of and got told the same thing and that they will be placing a fraud alert on my credit. 

XX/XX/XXXX I received a fraud alert from XXXX  a credit pull was attempted by a bank named XXXX XXXX 

back in XXXX XXXX I received a letter in the mail letting me know my information had been apart of the XXXX data breach, so I'm afraid this could have something to do with this unfortunately. 

I have since then locked all 3 credit bureaus but whoever is trying to steal my identity is calling these companies claiming to be me, trying to log into my Experian account I'm assuming to unlock my credit, and going as far as posing as the department of real estate sending me a letter claiming they need my finger prints, I called the DRE to confirm this letter and they confirmed it was NOT them and to please disregard the letter they never sent that to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Reporting Agencies to remove the disputed fraudulent items reporting on my Credit file. Again, I was a victim of identity theft and this is yet another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Reporting Agencies are required to remove any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Once again, please remove the following items completely from my Credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 The Credit Bureaus have also failed to send me copies of proof of verification from their investigation, if they really did conducted any investigation at all.
Product: Checking or savings account

I am filing this complaint against Citibank regarding the improper handling of my account closure and their failure to provide access to my funds. 

Timeline of events : My debit card became unusable After verifying my information with Citibank, I was told I would receive a letter within 6 days No letter arrived On XX/XX/year>2025, I received an email stating my account was pending closure and to call the number on my card for early access to funds I have made multiple attempts to resolve this situation through customer service, encountering several concerning issues : Inconsistent Information : One representative claimed my account was being closed because my mother allegedly opened an account using my information. This is categorically false, as my mother is financially secure and has no reason to misuse my identity.

Contradictory Account Status : During a single call, after verifying extensive personal information ( including account numbers, SSN, address, and birth date ), a representative first stated they would remove the account lock, then suddenly claimed the account was in " foreclosure '' with no possible resolution.

Poor Customer Service : When following the email 's instructions to call for early fund access : Extension 4 redirected me to Extension 7 The Extension 7 representative appeared to be impaired, slurring words and falling asleep After requesting a supervisor, they abruptly hung up Subsequent calls resulted in representatives claiming I must wait 60 days, contradicting the email about early access Current Status : I continue to receive app notifications and emails about account transactions, indicating the account remains active, yet I can not access it. I have documentation of : The email instructing me to call for early fund access Recent transaction notifications Proof of ongoing account activity
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
XXXX following inquiries are unauthorized : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is my 3rd time sending this complaint they said that my ID was not clear i need this resolved
Product: Mortgage

My insurance company paid out a claim for damage to my home earlier this year, but due to the payout amount, {$43000.00}, the check needed to be held by my Mortgage Lender, BSI Financial Services. The main issue is with their 'Loss Draft ' Department which evidently handles payments from the insurance company and responsible for issuing the funds from the insurance company for repairs. I've followed the required process and submitted all required documentation with regard to our Contractor, this was submitted via the " Loss Draft Portal '' near the end of XXXX and again at the beginning of XXXX, due to a technical difficulty with their system. After a month and a half and as of today, BSI has failed to issue any funds in which to pay my contractor for work performed so far. I've called multiple times over the past 2 months to inquire about the payment delay, and even spoken with supervisors, but have yet to receive any meaningful answer or solution to the issue. We need our funds issued IMMEDIATELY so we can pay our contractor and need to your help. Is there something you can do to expidie the process?