23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX XXXX, XXXX Genesis loanI was forced to get the Genesis loan just so I could stay in the student dorms, and then halfway through the school year they made me pull more money out because they said there was n't enough to finish out the rest of the year, saying that if I did n't either get the loan or come up with the money I would n't be able to finish my entire XXXX of school, I was also forced to pay my loan while I was in school and they took it from my monthly allotment before they gave me my student loan check each month, there is almost no way to postpone payments without defaulting, they say you can lower your payment but there is no way to have a true forbearance on the loan and to top it all off, after I get out I find out the school has been sued for falsifying employment and strong arming for students into loans
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I had a loan with XXXX  and fell behind because of a family medical emergency. This hurt my credit score and CITI  Bank drastically decreased my limits on two cards I have had with them for years. I called and got an explanation and was also told that if i I resolved the issue with the negative account ( XXXX  ) that they could reinstate my limits. 

Once I resolved the negative account I called CITI to reinstate my limits per instruction from my previous call. Representative said she submitted the request and to call back in a week. After a week, I called to check the status and was told it was denied and they don't perform reinstatements and they could only request a higher limit. I explained my situation and that I have been a loyal CITI customer for years without an issue and it took hard work to earn that credit limit. I was transferred to manager and he still was unwilling to help and only replied with " I can't '' attitude. Representative was a customer service manager with no empathy and made made no recommendations to help me regain my limits. I felt unappreciated as a customer, lied to, and he was frankly very rude. I spend over {$10000.00} to close the account so that I could repair my relationship with CITI and this is how they treated me.
Product: Credit card or prepaid card

I called a fraudulent XXXX XXXX XXXX  XXXX web site. they sent me to XXXX to purchase a American Express prepaid gift card which I paid {$350.00}. I gave them the card number over the phone and never heard from them again. A scam number.
Product: Vehicle loan or lease

I have tried to get a payment deferment for almost half a year with no success. Honda Financial has now applied more late fees even thou I have requested a deferment again. When I had a balance they did not honor my request, so I paid the balance then the denied a deferment because I paid. This process is very difficult to understand and the company has done nothing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my account was fraudulently used an atm withdrawal was done XXXX miles from where i live, i contacted chime i was told to call back when the transaction posted over XXXX to file the dispute on XX/XX/XXXX, i submitted copies of police report that same night chime sends email stating that there was no mistake and they closed the dispute how can this be they didnt even bother contacting the location were it happened, if they check the camaras they will see it wasnt me, hoping chime does the correct thing reimbursing my account.
Product: Credit reporting

They have failed to block accounts resulting from identity theft from my credit report even though I provided my affidavit and police report as well as a letter detailing that my information was stolen and used by another party. In addition, I have paperwork which explicates that another party used my name in a criminal matter therefore I am not responsible for the accounts that do not belong to me. Not only did they fail to block this information, they failed to give me the documentation that proves that these accounts even belong to me. I did receive a letter stating that these accounts were verified as mine and that they are declining my request to block these accounts. To legally verify, Congress states that they must have firsthand knowledge of these accounts and they did NOT! Before I speak with my attorney, I 'm giving a goodwill attempt for the last time to rectify this. 

Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for you to report these accounts in the first place, nor did I give the creditor permission to report these nor did I give permission to the court to report these. # 1 I was a victim of identity theft which means that these items must be removed immediately # 2 you do not have the authorization to report this bankruptcy which is also reporting inaccurately! 

XXXX XXXX Account # XXXX where 's the documentation that proves ownership of this company? I did not open this account nor did I apply for it - remove this immediately! 
XXXX XXXX Account # XXXX where 's the documentation that proves ownership of this company? I did not open this account nor did I apply for it - remove this immediately!
Product: Bank account or service

I have overdraft protection on my bank account, yet my bank does not honor it. I understand that the bank still charges an overdraft fee, buy are n't they supposed to therefore cover the payment that caused the overdraft? All I want from this service is for it to protect me from being charged twice, once by bank, and second from business check or transaction was made out to. Am I wrong, or is n't this what overdraft protection for?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a rport with XXXX XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THESE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. i never receive notification of these debts on my credit reports. This is defamation of character and misrepresentation of my credit worthiness. i recently applied for a loan and was denied to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt, otherwise i will be forced to file a litigation explicitly stating your company 's negligence to abide by the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Product: Credit card or prepaid card

I am disputing the late charge assessment and derogatory payment reporting on my account. A credit monitoring service indicates they have reported the account as delinquent. Below and attached is a history of payments made and credited. 

Due Date Date Paid Date credited Late charge assessed XXXX XXXX XXXX XXXX XXXX XXXX {$29.00} XX/XX/XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX {$42.00} I called the institution in XXXX  questioning the late charge assessment and was informed they would not be waived. Because of this I closed the account and paid off the remaining balance including the unfair lates charges of {$110.00} prior to the due date of the XXXX payment. I was accessed another late charge on that payment and continue to be assessed additional late charges each month. The last bill I received shows a delinquent balance of {$120.00} which is 3 late charges. Furthermore, and more importantly they have reported the account as delinquent due to these unjust charges.
Product: Mortgage

In 2006 I applied for a home equity loan from XXXX XXXX Bank. XXXX XXXX Bank committed fraud in the origination of this loan because it charged me more fees as an XXXX than that of XXXX borrowers. XXXX XXXX was sued by your agency and paid a settlement. RBS Citizen bought the fraudulent loan from XXXX ( XXXX XXXX Bank was acquired by XXXX ) and now is suing me to collect.
Product: Debt collection

I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original WET signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. Also send me all payment that was made on this account from when the account was open up until the account went past due As XXXX! per the law seized in desist all collection activities including credit reporting agencys Please comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Education Services has not validated my debt pursuant to 15 USC 1692g. Your claims are false and your company is in violation of the FCRA and FDCPA, as well as TILA. A statement is not a bill. I continue to assert there are billing errors 15 USC 1666. The credit reporting agencies are right to delete the account because under the FCRA they can only furnish a report in accordance with the consumers request. I request that you immediately stop reporting on my consumer report and my co-signers consumer report until you are able to accurately validate the debt. 
Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 20 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities. 
15 USC 1692j states, 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 such creditor, when in fact such person is not participating AES is causing harm to both consumers, myself and my co-signer by furnishing such forms as described by 15 USC 1692j ( a ) and as such, shall be liable to the same extent and in the same manner as a debt collector is liable under 15 USC 1692k of the FDCPA. and is also liable under the FCRA and TILA.

I am completing and submitting the paperwork to further assert this alleged debt is fraudulent. In the meantime, no late payments may be reported on my consumer report or that of my co-signer or that would be a violation of 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

Experian is not working with customers! Please read all of the complaints. Accounts are being hacked and Experian is doing nothing about it. Customers can not reach a live agent. They are being blocked by an automated system that says they can only transfer 'limited calls ', when they mean they won't transfer any calls! The chat is only virtual. Customers try to create new accounts, only for them to be hacked also. 

I try to reset mine, but it ( not a real person, as that is not possible! ) will tell me that my DOB and my SSN is not correct. It will say it will send me a text, but the first 6 numbers are starred ( *** ) out and I never get the texts ( the starred out numbers have obviously been manipulated by the hackers/thieves, sharing the actual last four numbers that show. 

Experian is not offering any assistance to customers in this situation and the customers are having to fight against ID thieves because Experian is not putting up safe-guards! They are the only credit reporting agency to be having all of these issues. Please look it up and help customers! Please!
Product: Mortgage

On XXXX XXXX, XXXX I mailed in a check for payment of {$1400.00} for my mortgage. The check cleared as expected, and I thought all was good. It was not until the next month, that I noticed my payment balance was twice what it normally was. I thought nothing of it, and proceeded to pay my bill as usual, because any inquiries at such institutions fall on deaf ears. It was n't until XXXX, XXXX that I reached out to DiTech to ask why the payment amount was twice what it normally was, as a missed payment showed up on my credit report ( I have flawless credit, nearing XXXX XXXX. They proceeded to tell me that the payment for the month of XXXX was not received. Ok, how can this be? I ask the lady to investigate further ( she was awesome XXXX XXXX, and discovered the XXXX check was applied to only escrow ... .the entire {$1400.00}. This was done on behalf of DiTech, under NO circumstance did I direct them to do so. Is this a normal practice? No. Whoever received my XXXX payment in the mail applied the payment incorrectly, and not in accordance with procedure. 

I swiftly asked that the payment be corrected ( it was XXXX, and that the missed payment be taken off my credit report i.e., that DiTech draft and send a letter to the credit reporting agencies that this was a MISTAKE ON THEIR BEHALF, and that I ( the consumer ) did in fact not make a late payment. I was told this was completed in late XXXX, XXXX. However, upon recently getting another credit pull on XXXX XXXX, XXXX - I was reluctant to see that the late payment from DiTech was still on my Credit Report. Shame on them. I reached out to DiTech again on XXXX XXXX, XXXX to inquire about the error on their end, and have yet to hear from them XXXX as I mentioned earlier, these requests often fall all deaf ears XXXX. Please inquire about the credit report issues, and the complaint handling at DiTech. In accordance with the Title X of the Dodd-Frank XXXX XXXX Reform and Consumer Protection Act of XXXX XXXX the XXXX XXXX XXXX established the Consumer Financial Protection Bureau ( CFPB ) and authorizes it to supervise certain consumer financial services companies and large depository institutions and their affiliates for consumer protection purposes. I, as a consumer, do believe that the internal policies and procedures at DiTech are not adequate to appropriately address issues or concerns with the FCRA, XXXX XXXX, and TIL acts. Please investigate my issue, and use this complaint to pursue any harmful acts at DiTech.
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XX/XX/ XXXX  XXXX XX/XX/ XXXX XX/XX/XXXX 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 funish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, others than records of convictions of crimes which antedates the report by more than seven years. 15 U.C.S 1681s-2 ( A ) ( 1 ) A person shall not funish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fradulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a fraudlanlent invstigation on XXXX  XXXX account. I called XXXX  XXXX and reported it they stated the account balance is currnet a XXXX. So I report the fruadulant complaint to all creodt bureaus and the credit Bureau of XXXX, XXXX  and Experian chnage the balcnae to maximum XXXX out of a XXXX credit limit because. XXXX  XXXX stated the account balance was XXXX in XX/XX/2020 and {$0.00} Balance since XX/XX/2020. However, XXXX  and XXXX  change the balance from {$0.00} blance to XXXX on XX/XX/XXXX after I requested an investigation. I shouldn't be placed with inacurate balances to decrease my score by XXXX points related to an investigation. I have a balance letter from XXXX  XXXX stating {$0.00} balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Multiple transactions being charged for overdraft fees on XX/XX/XXXX due to a payment and deposit being pulled at the same time. Deposit was under {$100.00} and should have posted overnight. It was held until the debit had posted and until the overdraft fee was processed, then I was charged a second since my deposit was not enough to cover the first fee. Records on my end indicate that money was available prior to two overdraft fees of totaling {$72.00} being posted. After overdraft fees were posted available account balance was - {$59.00}. On XX/XX/XXXX two more overdraft fees posted during my direct deposited paycheck. Had the transaction in question posted with my paycheck there would have been no problem. Funds were held and processed all at the same time, but in an order that would post a negative balance to my account of - {$1.00} prior to my paycheck posting. Called bank and they stated they will hold funds and charge fees based on transactions, not based on the actual balance of the account. So out of the four overdraft fees posted, according to their policy I would get charged {$36.00} for overdrafting, then another {$36.00} because another transaction was moving through the account, regardless if it was a credit or debit. I have no problem with this bank prior and have been a customer for over 6 years. Money was in the account, however the order that they decided to post the transactions caused it to go over so they could milk overdraft fees from me.
Product: Mortgage

XX/XX/2022 CITIZENS LOAN # XXXX CITIZENS Bank Timeline XXXX I sent my Instrument of payment in the amount of {$160000.00} to CITIZENS MORTGAGE Bank CERTIFIED MAIL. XXXX XXXX XXXX XXXX RI XXXX. TRACKING # XXXX. 

XXXXCertified Mail was delivered XXXX I called to verify that CITIZENS has received my INSTRUMENT OF PAYMENT and spoke with XXXX  XXXX  ( ID XXXX ) and was told my INSTRUMENT was refused, I Stated the following below : UCC3-311 : Accord and Satisfaction ( a ) If a person against whom a claim is asserted li.e. 
Us ] proves that ( i ) that person [ i.e. We ] in good faith tendered an instrument to the claimant i.e. Them ] as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( in ) the claimant lie. They ] obtained payment of the instrument. 

..the claim is discharged if the person against whom the claim is asserted i.e. Us proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim. 

UCC3-603 : Tender of Payment ( a ) If a tender of payment of an obligation to pay an-instrument is made to a person entitled to enforce the instrument [ i.e. Them ] and the tender is refused, there is discharge, to the extent of the amount of the tender... 

XXXX I sent a CONDITIONAL AGREEMENT CERTIFIED MAIL TO CEO XXXX XXXX XXXX XXXX TRACKING # XXXX
Product: Checking or savings account

Funds were wrongfully taken from our account due to a fraud claim between XXXX other people prior to us having account
Product: Credit reporting, credit repair services, or other personal consumer reports

Going over my credit report and noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX  XXXX   # XXXX -XXXX  XXXX, XXXX. # XXXX -XXXX  XXXX XXXX # XXXX -XXXX   XXXX  XXXX  XXXX XXXX XXXX -XXXX  # XXXX -XXXX  # XXXX -I.C. SYSTEM, INC # XXXX -I.C. SYSTEM, INC # XXXX -XXXX XXXX # XXXX