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

CITI Credit card offered me a promotional credit card to transfer balances. I applied and was issued the card. CITI has continued to charge me for returned check fees and other fees when they had the incorrect information on file. I called them at least 6 times, and the last person I spoke to was a horrible person, rude and not the least bit interested in resolving this issue. I have tried to contact them and as I explained, they don't care, and they don't have customer service reps that care. All I want to do is cancel the card, pay the balance minus any promotional fees they charged me for the transfers and returned check fees which there were not any. 

I don ; 't want this to affect my crfedit score, which has been excellent for many years, and I hope that CITY pays more attention to their customers. I have had other credit cards for manby years and have never dealt with a company so bad as CITI
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Howard Hanna Mortgage Services regarding their refusal to provide reasonable accommodations during my FHA mortgage refinancing process, in violation of the Fair Housing Act ( FHA ) and Americans with Disabilities Act ( ADA ). Their actions have resulted in financial harm, emotional distress, and significant delays in my refinancing. 

Background : I applied for an FHA mortgage refinance with Howard Hanna Mortgage Services and was informed that some non-structural repairs needed to be completed, including moving excess XXXX pipes and covering a sump pump. Due to my documented XXXX, I am XXXX  unable to perform these tasks myself. As such, I requested reasonable accommodations, specifically asking that funds be held in escrow to hire contractors to complete these non-structural tasks after closing. 

Despite my repeated requests, Howard Hanna failed to engage in a meaningful dialogue or provide any response for over four weeks. Recently, I received a notice that my mortgage application was denied because I refused to complete the repairs prior to closing, despite my requests for accommodations under FHA and ADA regulations. 

Harm Incurred : Howard Hannas refusal to make accommodations has caused significant harm, including but not limited to : Financial Strain : I have faced late payments on other financial obligations due to the delay in refinancing, leading to credit score damage and the inability to pursue refinancing with another lender. 
Emotional Distress : The ongoing uncertainty and lack of communication have caused significant stress for both me and my family. 
Increased Costs : The inability to complete these minor tasks post-closing means I am now facing additional financial burdens as Howard Hanna continues to deny reasonable accommodations.

Violations : Howard Hanna 's actions appear to be in direct violation of : Fair Housing Act ( 42 U.S.C. 3604 ( f ) ( 3 ) ( B ) ), which mandates that housing providers make reasonable accommodations for individuals with disabilities to ensure equal access to housing. 
Americans with Disabilities Act ( ADA ), which requires that no undue burden be placed on individuals with disabilities in accessing services, including mortgage lending. 

Requested Action : I request that the CFPB investigate Howard Hanna Mortgage Services for violations of FHA and XXXX regulations, and enforce corrective actions to ensure that XXXX XXXX complies with federal law. I also seek compensation for the financial and emotional harm caused by their refusal to accommodate my XXXX during the refinancing process. 

Thank you for your time and attention to this matter. I am confident that your office will help ensure that my rights under federal law are respected. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, i notice that i had so many inaccurate information on my report. There isn't no one to blame but your company. You have mislead me to believe that my credit was being investigate after I've sent in several proof and documents that was certified mail. I haven't received any mail back since XX/XX/2019. I am seeking litigation and also compensation for damages and the pain you caused my life. It has been embarrassing and traumatic dealing with this current situation of fraudulent inquiries being placed on my credit report. It isn't factual information at least not something that I've personally done. I am a victim of identity theft and my personal information was leaked in the breach with XXXX, XXXX XXXX and a few others. This message is in regards to this being the final good will letter i am sending to get this matter resolved quickly. I am allowing 3 business days which i want an internal investigation done immediately. The inquiries that are listed fraudulently and inaccurate are 1.  XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX   XXXX, 4. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, On XX/XX/2020 i had sent certified mail with return to XXXX, Experian and XXXX about some of the inaccurate personal information on my consumer report. 
These above named information contain errors so i requested that they be removed from my credit. It's been almost two months now and i haven't received a reply back from the bureaus about my request. Also these erroneous information remain on my consumer file hurting my ability to obtain credit. Please find attached copies that sustain my complaint. i have attached them for your review. 
thank you.
Product: Debt collection

On Wednesday, XX/XX/2022, I sent XXXX XXXX Mail Letter to FlexShopper for the purpose of disputing and validating the debt. There was a problem with their XXXX XXXX Credit Card where the payment was declined and the order needed to be performed again. There is no record that FlexShopper paid for my order using their XXXX XXXX Credit Card, and according to my records I was double billed.
Product: Debt collection

The amount that was sent to me by the company after I turned my lease in early was for {$8000.00} and Ive paid them at least {$2000.00}. My mother was the co signer and she included them in her bankruptcy so there are 5 more years left before I owe them if the statute of limitations are not up on it. They have called and threatened to sue, they placed an illegal lean on my mothers house before her bankruptcy that had to be removed by our lawyers and now they are contact me again and dinged my credit for being late.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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

You are in violation of my rights under the FCRA and FDCPA. Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Please provide in detail the procedures that were used in order to verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, its is not only detrimental to me as a consumer, but an invasion of my privacy and these inaccurate accounts are harmful to my reputation as a consumer. It is unlaw to report any inaccurate information to my consumer report, as unverified information is identity theft and an act of constructive fraud. As written by congress the failure to comply with the removal of these inaccurate accounts makes you liable under section 1692k of title 15 and 1681n of title 15. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX Inquiry : XXXX XXXX, 2019 XXXX , XXXX Inquiry : XXXX XXXX, 2019 XXXX , XXXX Inquiry : XXXX XXXX, 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to have a XXXX card ( XXXX XXXX  XXXX and XXXX went bankrupt.When XXXX went out of buisness my XXXX card was transferred to " XXXX XXXX XXXX '' which I never applied for, asked for etc., ..Also, I never had a option to opt in or out.After filing complaints to XXXX XXXX  XXXX XXXX XXXX is saying that they made a buisness decission and there was no opt out option.According to CFPB, I have the right to opt out of newly changed terms which i never had that option.XXXX XXXX  XXXX XXXX XXXX XXXX  ) closed my account with out any knowledge or paper work sent.Because of XXXX closing my account, it has caused a negative on my credit report
Product: Checking or savings account

I opened a 1 year CD with BBVA and received my notice that my account was expiring. The notice gave me two options : 1 ) Do nothing and the account would auto renew. 2 ) check the box and have the account renew. There was no option to receive my money. I called the bank and they said I had to send a letter. I followed their directions exactly and never received my money. The account rolled over to a new CD. I checked on line and this bank receives very bad ratings for this exact issue. I have never experienced such a runaround with any bank I have dealt with. I left my money in the account for 1 year as we agreed. I should be able to get my money as I requested via phone and via the letter I sent via US mail. The amount of my initial deposit was {$26000.00}. My account value is now {$26000.00}. My CD expired on XX/XX/2020. I called and sent the letter approximately 3 weeks before expiration.
Product: Credit reporting or other personal consumer reports

An item that has resulted from fraud which I never benefitted from still appears on my report, it is already deleted by both XXXX and XXXX yet you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's XXXX me out knowing that my rights are being violated as a consumer. This is already reported to the XXXX XXXX XXXX but nothing is removed.
Product: Debt collection

I received a call today stating that I had paperwork filed against me about a case and I needed to return the call right away. I returned the call and was told it was for a {$400.00} loan that I got in 2011. I told the lady that I do not remember receiving a loan 5 years ago and she immediately became defensive saying that just because I do n't remember it does n't mean that I do n't have to pay for it. I then asked her why I had n't received anything in the past 5 years asking for me to repay this and she said that they had called, emailed and mailed me about this loan and I said that I have n't received anything and she told me that I most certainly had. I then asked her if I returned the 1 phone call to them today, why would n't I have acknowledged this supposed loan and responded to calls and whatnot before now and she just kept on going about how I had to pay this, they were suing me and there would be {$3100.00} in lawyer fees, {$2500.00} in their fees plus the {$700.00} and some odd dollars that I originally owed. I asked her to send me a validation of debt letter and she said it was way too late for that and her company does not send those types of letters. She then became rude and talking over me, so I called her a XXXX next Tuesday and hung up. I then called back to try and talk to someone else but got the same lady again. We tried to talk again and again she became rude, so she got some pretty colorful words from me and hung up. I called back again and asked the woman who answered the phone what the name of her company was and the address, she stuttered around for a minute and finally told me that the company name was ARA. I said ok, what is your address? She would n't answer me and finally told me that she would have to transfer me to the correct department. She transferred me, straight back to the same original lady, I asked for their address, she gave me XXXX XXXX XXXX XXXX, VA XXXX. I said thank you, I know you know who this is and I 'm asking you to send me a letter of validation about this supposed debt that I owe and she refused to send it again, saying it was way too late for that and she had already explained that to me. I was going to send them a letter asking for the validation of debt letter, but I have a sneaking suspicion that this is a fake address that she has given me to contact them.
Product: Payday loan, title loan, or personal loan

I applied, and was approved for an installment loan with Pentagon FCU. I have been paying down on the note for probably more than a year now. In XXXX of 2021, my employer announced potential future layoffs as the result of a bank merger. I work for a bank. I contacted Pentagon FCU and attempted to enroll the installment loan in their debt protection program. Due to a glitch in their online system, however, I was unable to retrieve the documents that I needed to sign. Rather than address the glitch, Pentagon told me that in order to properly add on the protection, they would need to " rebuild '' the loan. I went with it as I really wanted the protection. About a month later, I checked the loan details online. They raised the rate from the initial 8.49 % fixed to 12.99 %. When I contacted the company, they acknowledged the error and changed the rate back to match the terms of the original loan agreement. 
Since then, I have received a total of three requests to sign an official promissory note for their records. The issue with the promissory note is that it contains invalid information - the rate is 12.99 % rather than the original rate. And the monthly payment is therefore also incorrect. When I contacted them ( several times ) to dispute this, their resolution was to send an addendum letter, signed by a loan operations representative along with yet another promissory note for ME to sign containing the same invalid rate, payment and other calculated terms. XX/XX/XXXX, I contacted Penfed again and was told that they requested a corrected promissory note for me to sign but the request was " denied ''. I was also told that if I did not sign the invalid promissory note that they have continued to send me, they would probably raise the interest rate on the loan. 

I refuse to sign a legal document that is not correct and I hope someone at this agency will agree with me. Please address this issue with Pentagon Federal Credit Union. If the promissory note is something that they can not reproduce from the system, I would suggest that they create one manually with the correct information on it and I would be happy to sign it. Something is very wrong with this institution. I have been in banking 20 years and have never seen anything like this.
Product: Credit reporting

Equivalent is displaying information previously deleted and known to be fraud by the XXXX ca I have argued and XXXX said they would remove it. This is Harasment and due to id fraud and welfare fraud. They have also reinserted negative collection accounts eliminated by creditors due to id theft some of these creditors have written themselves on your site the release.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion account : XXXX XXXX As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says you XXXX company are a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
Product: Mortgage

We went binding with sellers on a home XX/XX/XXXX. It is now XX/XX/XXXX and this loan has not closed. An error was made by the loan agent after 2 months of us being told there was an issue with a USDA backlog, when in fact the loan agent made an error that was the cause for the delay and told no one until I uncovered it in early XXXX, 3 months later! They were forced to admit it only after a call was made to an agent with USDA where it was discovered that my name had never appeared in the USDA process system. My employment verification does not appear on my Employment Database Report until XX/XX/XXXX, when the error was discovered, and the file is just now in underwriting. Again, it is XX/XX/XXXX, after 3 months and 3 changed closing dates. Due to trust issues, and now more document requests daily that should have been requested and settled back in XXXX, the seller is now talking moving on to put the house back on market by the end of this week, XX/XX/XXXX. On the first closing date, the seller took a vacation day to travel from out of state. The loan agent waited until the day of closing to notify all parties of status, and even then they had to be asked. The loan agent keeps telling us to hang in there, but that is beyond unprofessional. No allowances have been given to rectify this situation. Their manager simply gave the brush-off when questioned. It is ridiculous. We are living in week-to-week rentals after selling our RV when we were told we would close on XX/XX/XXXX. We are now homeless and are spending exorbitant amounts of our savings for a place to live. We will probably lose this home due to their negligence, lack of communication, and lack of ability to properly process mortgage loans. NEVER use Cross Country Mortgage ANYWHERE as this is not the first and only bad experience that I had with this company.
Product: Credit card or prepaid card

In XX/XX/XXXX, I was eligible for an extension to my unemployment claim due to a new federal law. However, despite repeated efforts to reach CA Employment Development Department ( EDD ), my claim was not extended until XX/XX/XXXX after I contacted my state representative. This delay resulted in months of back-paid benefits being deposited into my Bank of America Pre-Paid Card, which is controlled by EDD. 

Due to Bank of America 's unreasonable restrictions, I have only been able to withdraw {$1000.00} of the funds per day and deposit them into my checking account. I also can not use XXXX or XXXX to transfer the funds, as the card does not work on these platforms, either. 

Therefore, I have been using an ATM to withdraw the funds each day, however my account has been repeatedly flagged for " suspicious '' behavior, preventing me from accessing the funds. Bank of America customer service has been very unhelpful in resolving the issue on more than one occasion, resulting in a significant delay in accessing the funds. 

I believe that the Bank is unreasonably and potentially illegally withholding funds owed to vulnerable Americans in need. There should not be a withdrawal limit on benefits owned by unemployed individuals, and the Bank needs to be responsive to individuals attempting to access their benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights. 
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 a account without my written instructions. 



XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX 
{$750.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX XXXX {$1100.00} Balance updated XXXX XXXX, XXXX  XXXX. XXXX, XXXX Account # XXXX Original creditor : XXXX XXXX {$1000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX {$1300.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX {$2100.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX XXXX XXXX  {$540.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Account # XXXX Original creditor : XXXX {$1200.00} Balance updated XX/XX/2022 XXXX
Product: Student loan

I have been enrolled in IBR for 6 years, paying through FedLoan. On XXXX XXXX, XXXX, I submitted a request through XXXX to be considered for Repaye. On XXXX XXXX, XXXX, I received letter from FedLoan, telling me to recertify my income, and to submit recertification info by XXXX XXXX, XXXX. If I did not recertify, my payment would be switched to standard repayment. On XXXX XXXX, XXXX, I requested an update from FedLoan on my request for new payment plan. I was told, via email, FedLoan had received my request, and that it may take 60 days. On XXXX XXXX, XXXX, I called FedLoan and asked for update. I was told they were " sorry, '' but because I recertified for IBR subsequent to my request for new payment plan, my initial request for new payment plan was ignored. If I want to be considered for new payment plan, I have to start the process over. I have been waiting for approximately 4 months for an answer to my request. No one contacted me about my initial request and the fact that it has been ignored. Additionally, the information I have received from FedLoan has been misleading and untruthful. Finally, no where is there information that I could not apply for a different plan, just because I also needed to recertify my income. 
The email from FedLoan ( my initial question is below the response ) : Thank you for contacting FedLoan Servicing! We received your request for an Income- Driven Repayment ( IDR ) plan on XXXX XXXX, XXXX. Once your request is processed, we will send you a notice with the results. 
If your request is approved, it may take approximately 1-2 billing cycles for your new repayment plan to take effect. You will need to continue to make your regular monthly payments until you receive your first bill with a new payment amount. 
We recommend that you use the " Contact Us '' links on our website, www.MyFedLoan.org, to submit inquiries via a secure email form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX until XXXX ( ET ). 
Sincerely, XXXX FedLoan Servicing -- - Original Message -- - On XXXX XXXX, XXXX at XXXX, wrote : Account : First Name : Last Name : Date of Birth : I have contacted the XXXX. My request for change of repayment plans has been " closed, '' and was been forwarded to you some time ago. What is the status?