23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since XXXX of XXXX I have been trying to get my XXXX Mortgage Interest Statement from Citizens Bank. Automatic phone service states, Statement were mailed on XX/XX/XXXX. Unable to log into my online account. When placing a call, the automatic phone service will ask for every information imaginable- all I get is the run around. I've written XXXX letters to the company asking for my statement. 

On XX/XX/XXXX, I received a letter from Citizens saying they would look into my request. 
and get back to me in 30 days. What is there to look into?? They have all of my personal information. I need my Mortgage Interest Statement to have my taxes completed. 

Taxes are soon due. I'm going to be late sending in my tax forms because of these imbeciles. I'm XXXX XXXX XXXX and have been dealing with mortgage companies most of my adult life. Never any problems until dealing with Citizens.
Product: Money transfer, virtual currency, or money service

Business identification Merchant identification ( MID ) XXXX HELLO MY NAME IS XXXX XXXX, AND MY BUSINESS NAME IS ALSO CALLED XXXX XXXX, I AM WRITING THIS CLAIM BECAUSE I AM TRYING TO RECOVER MONEY THAT IS FROZEN FOR MORE THAN A YEAR, WITH NO REASON TO EXPLAIN WHY I WAS NOT GIVEN I HAVE DELIVERED MY FUNDS, PLEASE DEMAND TO SEND A CHECK WITH MY FUNDS TO MY CURRENT MAILING ADDRESS, XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, IT IS THE SAME ADDRESS WHICH I HAD MY ACCOUNT WITH THE XXXX COMPANY, PREVIOUSLY I WAS TOLD THAT I HAD TO WAIT 3 MONTHS IN CASE ANY TRANSACTION WAS RETURNED, THEN I DECIDED TO WAIT, BUT I HAVE MORE THAN A YEAR AND I HAVE NOT BEEN DELIVERED OR MONEY YET..
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX, XXXX, XXXX XXXX, XXXX, LA XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$660.00} XXXXT XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports. 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 

account name : khol's/capone account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX experian and XXXX all have my concerns about identity theft i have no knowledge of the following accounts including XXXX XXXX and XXXX XXXX. i have asked them to either perform a proper investigation and to remove these things from my consumer file for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying for the Credit monitoring service with XXXX since XX/XX/2020, and I havent been able to update my report when XXXX. I called them they tell me to call them back because the system has to make the correction and update, but theres no correction it still doesnt work .There are accounts on TransUnion and XXXX that are not showing on my credit.
Product: Debt collection

I was issued a civil suit from XXXX. I XXXX and made payment before hearing. They didnt contact the court house like they said i would. I payed the debt off, but on my credit score they still say i owe money and they payment amounts are wrong. I contacted them and they give me a number where i dont get any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted my police reports my fraud affidavits all the proof needed and the credit agencies keep coming back saying the information has been validated and thats impossible because I did not authorize any such transaction some one has taken and assumed my identity and its nothing i can do so Ive come to cfpb to get some help removing these forclosure and tax leins that dont belong to me according to 609A these items should be blocked from my credit report
Product: Mortgage

On XXXX XXXX, XXXX I filed a complaint with this Agency against Bank of America. See Case No. XXXX. 

Bank of America responded to that Complaint stating it was no longer the service of the Mortgage Loan effective XXXX XXXX, XXXX, further stating those servicing rights had been transferred to XXXX Loan Servicing, ( " XXXX '' ). The problem is Bank of America filed a foreclosure case against me on XXXX XXXX, XXXX, months after it sold its servicing rights to the loan at issue to XXXX. 

I know this because on XXXX XXXX, XXXX, I filed a complaint against XXXX asking if and when it filed the foreclosure case, and three ( 3 ) times XXXX refused to respond to that question. See Case No. XXXX. Further, XXXX sent a representative to my home on XXXX XXXX, XXXX because XXXX had not heard from me. That representative informed me that XXXX had no knowledge of any pending foreclosure matter. XXXX sending a representative to my home was a clear indication in and of itself that XXXX had no knowledge of the foreclosure proceeding. 

XXXX stated it halted the foreclosure process on XXXX XXXX, XXXX. See XXXX, XXXX Response at p. XXXX. However the foreclosure attorney continues to proceed in court even after XXXX halted the process indicating Bank of America is still controlling the process, not XXXX. 

This is outright fraud. I demand an investigation as to why and how Bank of America filed a foreclosure case against me long after it sold its right to do so to another servicer. 
Thank you in advance for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need these reports to go to all three credit bureaus. XXXX, Experian, and XXXX. The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate. The date last active is inaccurate and date last reported is not accurate. This is grounds for removal also violated my rights under 1581.

15 USC 1581 Section 694 A It so states the right to privacy.

15 USC 1581 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

I am the primary account holder of a checking account at Huntington National Bank. About three weeks ago I noticed a withdrawal of {$34.00} from my bank account and had not made any such withdrawal myself. Being curious, I called the Bank and asked what the withdrawal was. I was told that an account linked to mine had been negative and they were offsetting. After finally getting more information I found out that because my Mother is the secondary account holder of my account and the secondary account holder of my sisters account ( which at the time was negative ), huntington had pulled the amount from my account to fix my sisters account. However, It was n't til long after the complaint that I found this out. I had called on XXXX XXXX, and asked for a return phone call which never came, so on XXXX XXXX, I called them back and explained the situation again and after sitting on hold for a very long time was told that even though the other account was now positive, that the bank was keeping the money. After asking to speak to a manager/supervisor I was told all managers and supervisors were in meetings and I 'd have to leave a voicemail and they would get back to me the very same day. Of course I have not heard back from them. I understand that a bank is in business to make money and part of the way they do that is by collecting fees, however, taking from XXXX to give to another and then keeping for yourself is very questionable. I 'm a student who pays tuition and is on student loans trying to make it on my own, and {$34.00} is a lot of money to someone who on good days struggles to keep a positive balance. I 'm not asking for anything, but my money back. I 've been a Huntington Customer for many years, more than 10 years to be honest, and I have never been more upset with a financial institution than I am right now.
Product: Credit card

I have tried to close my credit card account I applied for in case I needed to take advantage of a 0 % interest balance transfer from another account. I didnt need to take advantage of that special offer from Citibank , so I never activated the card. I called customer service last week, XX/XX/year>, to close the account. 

I was told that I would receive a letter in the mail that would give me the final step to close the account which was to call the number provided for verification. I received the letter yesterday, XX/XX/year>. 

This morning, XX/XX/year>, I called that number and had to give more information to verify my identity. When the rep started asking me for numbers and bank names for other credit cards I had, I stopped. Theres no way Citibank has any business knowing the numbers of my accounts with other banks. 

I am quite angry that Citibank will not close an account for a credit card Citi Diamond Preferred that I have not activated. In fact, I am angry enough to want to get rid of my Citi Simplicity card account, too!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding the reporting of a collection account on my credit file. According to consumer protection laws, specifically 15 USC 1692c, 15 USC 1692 ( g ), and 15 USC 1681i ( 5 ), I have the right to accurate and fair credit reporting, free from any misleading or incorrect information.

It has come to my notice that a collection account has been inaccurately reported on my credit file, which violates my rights as a consumer under the aforementioned consumer laws. This misinformation not only impacts my credit score but also undermines my financial credibility and reputation. 



Furthermore, it is disappointing to learn that Equifax is facing a lawsuit from the Consumer Financial Protection Bureau ( CFPB ) for failing to report accurate information. This legal action highlights the importance of adhering to the law and ensuring the integrity of credit reporting processes.
Product: Vehicle loan or lease

My car was reposted and has been in their custody. I have been trying to find the money and resources to get my car back even trying to call them on a regular to see what my options were. I called Santander on XXXX XXXX, 2017 to see what my best option was as I could not come up with the full amount. I was told that if I made a payment of XXXX which is the monthly payment of the car, I would get an additional 10 days to come up with the rest. I accepted the offer. The representative then asked me if I would be making that payment that day, I told him if I received the funds from my mom who was aiding me I will as I was waiting for a check. The representative then said ok. He did not notify me that he had already given me the 10 days extension. In my mind and from what he told me I had to make the payment first before receiving the extension. He went ahead and gave me an extension without my knowledge. So when I called back on Friday XX/XX/XXXX with two months worth of my payment, I was told the extension was already given. The problem with that is, I needed that extension so come up with the rest of the money. Without him telling me that and informing me, it messed up my whole plan towards insuring I get my car back. I called back and tried to work with them and speak to a manager and I was told I had to make a payment by XX/XX/XXXX or the cost would go up. I have struggled to come up with what was needed and what I was told only to be told something else. It 's been like that the past month. With this company. It 's not fair that the representative did not communicate that with me. He should have told me he had given me an extension already, so I know the days and the time I needed to make my payment by. It 's not my fault that he did not communicate that with me, it would have made things easier for me knowing my options.
Product: Credit card or prepaid card

I was issued a debit card from my employer in payment of wages. The card was issued b y Money Network on b ehalf of  XXXX . I tried to use the card and access was deni ed on 3 occasions even though there were more than enough funds on the card to cover these transactions. I was charged {$2.00} for each denial and am charged a monthly maintenance fee. I called to inquire about the reasons for denial of access to the funds on the card and was not given any intelligible answer. I called the customer service number and inquired about closing the account and receiving a check for the balance remaining on the card. I was told I could do that by faxing a letter requesting the account be closed along with the account number and mailing address. I was told it would take 2 weeks to process this request and that a check would be sent to me for the balance.I faxed th e letter, and receipt of the fax was confirmed. I did not receive a check, so I called customer service to inquire about why I had not received the funds. The person I spoke to confirmed receipt of the fax and my request, but could not give me an intelligible answer as to why I have not received the check. When I requested to speak to a supervisor, I was placed on hold and ultimately disconnected. This all occurred in  XXXX  and  XXXX ,   XXXX  . Instead of a check to close the account, the monthly maintenance fee was increased from {$2.00} per month to {$5.00} per month.
Product: Checking or savings account

I disputed transactions from XXXX that I did not authorize and my bank denied my claim
Product: Student loan

XXXX XXXX did not handle my automatic payment known as Direct Debts as described. XXXX XXXX also gave me misinformation about the loan payoff. 

I signed up for a direct debt to automatically pay on the XXXX of every month, but that it never posted on that day. Instead it would post 2-14 days later. The delay in payment meant more interested would grow within those days. 

Additionally when I went to make my final payment and requested for a loan payoff amount, XXXX   XXXX gave me the wrong amount. It gave me a calculated pay off at {$990.00}, but as per a costumer service representative, it was {$1.00} under the " actual amount ''. The website has a loan payoff calculator in which you provide a date and they calculate the payoff for that date. Whenever you use it, it is wrong. When I spoke to the customer service representative about this, she said me that this happens frequently and people end up having a balance even though it shows that the account balance is at {$0.00}. This happened to me twice with two different loans. The first time I paid a random amount extra, any extra funds over the " actual payment of payoff '' was not refunded to me, nor was it applied to another loan. The second time I called in and they customer service representative gave me an amount. For some reason she can see if in get system, but the online user accessible system did not have that amount. 

Both these practices are misleading and make the student loaner pay more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol One credit card opened XX/XX/2004 - I would not use this card as primary and have called capitol one multiple times. Originally from XXXX I called to close card and was persuaded by reps to not close since this was oldest opened line ( baited during college since was purple colored card ). I kept open upon their advice ( mind you was not able to upgrade card but was able to get $ XXXX credit line with rewards approved elsewhere in recent years ). 

So, I kept it opened being reassured there was no annual fee or minimum purchases required. 

I got an alert from XXXX XXXX this week that the account was closed. This WAS my oldest trade line on credit and as a result by closing made my score decrease. 

I called and spoke with supervisor XXXX who could be heard chuckling on the line while I shared my situation. He advised based on the terms and conditions received when I was in college this was ok - I NEVER received notification this would occur. If so, I would have charged {$1.00} annually however was told multiple time by CSRs at Cap 1 no need to do so!! 

Where was the notification to advise account would be closed prior to closing? Again, I would have been more than happy to charge {$1.00} to stay open. 

I want my account re-opened and re-aged to previous status - I will charge {$1.00} per year to cut thru red tape to keep. 

Also, when I attempted to contact and spoke me with supervisor XXXX I was told yes your complaint is heard and captured but there is no formal follow up procedure to which I asked so you just type it to go somewhere with no clue and he said yes- translated to me ; yes I will type your complaint so you hear key clicks but it really goes into Word doc that is deleted,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND  A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. # XXXX XXXX
Product: Student loan

( 1 ) Navient page 5 under Governing law and Notice last paragraph state No provision of this Note may be modified or waived expect in writing by the lender of the Note what does that mean?

( 2 ) Why does the Lender of the Note state my IDs?
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNT : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates XXXX to XX/XX/2018 XXXX  XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX XXXX : XXXX : Letter sent out haven't got back to me. 
XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX XXXX : Letter sent out got back with me on XX/XX/2018 with documentation with all my information stating I requested a car loan. None of those documents had my authorized signature on them. 
XXXX XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX XXXXXXXX via XXXX : Letter sent out haven't got back to me.
Product: Money transfer, virtual currency, or money service

My new tenant paid with a US Bank ck ... I took it to US Bank ... I was asked for two forms of ID which I presented ... I was told I would have to pay {$7.00} ... and then they requested a right thumb print ... when I asked for a receipt they refused to give me one ... I have rights ... I have to account for my expenses with the IRS ... I have a right to off-set my income with expenses and need a receipt for the expenses to do this ...

I believe the bank in charging me {$7.00} to cash one of their customers checks owes me a legal receipt ... otherwise what expense is the {$7.00} charge covering ... and how are they accounting for the income ...

personally I do n't understand why I have to pay to collect funds from their customer who wrote me a ( promised ) check ... my relationship is not with their bank I think all this ID is overkill and an infringement on my privacy but when they charge $ to cash a check they 're not just a bank they are a 'check cashing service I go to the tenants ' bank to avoid insufficient funds charges and avoid a bad relationship with my bank ...

I believe I have either a right to a receipt or better yet a refund.
Product: Credit reporting

There are numerous accounts in my credit file that are misleading by labeling information as " charged off '' and others that include past due amounts when in fact they were in XXXX. Such a designation would be inaccurate because it would indicate that this account a responsibility to the debt and the creditor had written off the account at the time of bankruptcy when it had not.