23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am a XXXX XXXX and went on a trip to the XXXX in XX/XX/year>. There I opened a PNC bank account. On XX/XX/year> I was in XXXX visiting a friend where somebody took XXXX dollars out of my bank account through cash withdrawals. I was unaware of the transactions and the ATM card was with me throughout the time period during which the withdrawal was made. I blocked my card and reported PNC. They told me to file a claim which was later rejected. By that time I had already left the US for my home country.I was told that it was a chip on chip transaction and nothing can be done. I refiled the claim and asked to be sent any kind of evidence as in any security camera footage or something as a proof. They denied the request and told me that the claim department is not required to give a proof and are not customer facing so can't be reached. It's bank policy and if I don't agree I could file a police complaint which is obviously not feasible considering I am not in the US now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a previous complaint after an unpleasant interaction with Transunion on XX/XX/XXXX. As a result of contacting them to have them remove inquiries not mine I also filed a XXXX complaint. The angrier I got about the lack of professionalism and service the more I started looking at laws for consumers. The last rep I spoke to mentioned an FTC report so I looked into it. Everything about it from the site seemed like what I needed to send over with the police report from having my info stolen. On XX/XX/XXXX I OVERNIGHTED a letter, ftc report, and original police report to Transunion and have confirmation they received it on XX/XX/XXXX. Today I check my email with the same nonsense they were regurgitating over the phone about me contacting the creditors. I AM CONTACTING THE COMPANY THAT HAS THESE THINGS LISTED! I also read around after hours on a XXXX XXXX that under the fair credit, if a person tells the bureaus that things on the report are a result of identity theft they have to remove it in 4 business days. Today is the 4th business day. So my understanding would be that if these things aren't gone by today Transunion is breaking laws and I have reason to sue them. I am tired of this back and forth I do not have the time to spend hours a day getting a company to do their job. I work in insurance and am way too familiar with the games big corporations play and not afraid to defend my rights.
Product: Credit card or prepaid card

I used a promotional balance transfer check from Truist bank and they didn't pay the check when it came through because they said there was a problem with my signature not matching. I was sent a copy of the check and it was my signature. I called them and they said to go in to the bank to get it straightened out. ( was not my fault ) I went into the bank got everything straightened out and they told me to resubmit the check. I resubmitted the check a second time to XXXX XXXX and again Truist did not pay it so I was charged a 2nd bounced check fee. I had the bank manager look into it and he made several calls on my behalf and finally they are telling him it's not being honored because the promotion is over. Originally when I first deposited it was within the timing of the promotion and they said the reason was a problem with the signature. They keep changing the reason and have cost me {$40.00} in bounced check fees.
Product: Debt collection

On   XX/XX/XXXX  I sent a  letter to the address provided on their website in regards to their derogatory information that is being rep orted to all    XXXX   credit bureaus against me.   They failed to respond by mail so I then called them in regards to the letter that asked them to verify the debt.   They stated that the information is valid but I then again asked them to submit the documentation in writing and they have yet to do so however they did submit derogatory information to the credit bureaus once more.
Product: Credit card or prepaid card

The XXXX XXXX  card allows customers to pay their rent by raising a check on their behalf and mailing it to their landlord. 

In order to resolve a dispute with my landlord, I need a copy of both the back and the front of my rent check from XX/XX/2022. The app only provides a copy of the front of the check, but I need to know who cashed it. 

XXXX only provides customer service for this sort of issue over email. I made my request a month ago, but still haven't got a copy of the check. Every time I follow up, I am simply told that they are working on the issue. They do not provide an estimated timeline for resolution.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the failure of the credit reporting agencies XXXX, Equifax and XXXX to properly investigate and remove an account from my credit report that does not belong to me. Despite multiple dispute attempts and my clear assertions that the account is fraudulent, the credit bureaus have failed to take appropriate action and have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Background Information : Account in question : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Current status of dispute : unresolved remains on my credit report FCRA Violations by Credit Bureaus : Under the FCRA, credit bureaus are legally required to conduct a thorough investigation within 30 days of receiving a consumers dispute. However, despite my clear and documented dispute efforts, the credit bureaus have repeatedly failed to : Conduct a proper investigation of the account, as required by Section 611 of the FCRA. 
Remove the account from my credit report, despite the fact that I have provided sufficient evidence that the account does not belong to me. 
Provide a written explanation or proper documentation regarding their findings or any evidence they used to substantiate their conclusions. 
Additionally, I have received either incomplete responses or no responses at all from the credit bureaus, which is a clear violation of my rights under Section 609 of the FCRA to receive an accurate investigation and the results thereof.

My Rights Under the FCRA : Section 607 ( a ) of the FCRA mandates that the credit bureaus ensure the accuracy and completeness of the information reported. The presence of an account that does not belong to me is a clear violation of this requirement.

Section 611 ( a ) requires credit bureaus to investigate disputes thoroughly and within 30 days. Their failure to act properly within this timeframe is unlawful.

Section 609 ( a ) guarantees my right to receive the results of any investigation, including documentation of evidence used in their determination.
Product: Mortgage

I recently closed on the purchase of a home. The Closing Disclosure was generated multiple times in the 24 hours leading up to the close date. There were glaring errors on the CD. The banker admitted that the CD numbers were incorrect. I understand that certain numbers will change slightly, but in this case there were blatant errors to which the banker admitted. He insisted that I sign the CD 3 days in advance of the closing even though he admitted that the numbers were incorrect, telling me that if I did not sign the document we would not be able to close on time. An example : the " Down Payment/Funds from Borrower '' incorrectly listed the purchase price. 
In addition, the Title company told me that they quoted the Title Search amount to be {$500.00} but the banker quoted the Title Search at {$300.00} on the Loan Estimate and on the subsequent CD 's until the very last CD was sent to me just hours before the closing. The final Title Search amount was {$710.00}. That 's a long way from the {$300.00} initially estimated. 
Every time the CD changed the total Cash to Close was higher. 
I highly recommend that people avoid using Branch Banking and Trust Company ( BB & T ), XXXX, FL XXXX - XXXX
Product: Credit reporting

XXXX Bank alleged my Business Account was found on a known cyber criminals XXXX XXXX, so they closed the account and report to chexsystems under my personal social security number instead of the business XXXX " suspected fraud activity ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX : {$5900.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX  {$2600.00} XXXX XXXX XXXX XXXX XXXX {$260.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

I was shopping on XXXX and went to check out. I had already applied the XXXX XXXXXXXX XXXX XXXX XXXX XXXX Upon checkout, there was a promotion that said " Save {$250.00} by signing up for credit card now - Accept '' and I hit accept. I was approved for the card, continued to check out and then it said you could not combine the offer in my cart with the credit card promo savings. I immediately reached out to customer service via chat and phone. Both customer service reps told me that they see this all the time and the website is super misleading and they won't do anything about it because " capitalism at it's finest ''. I was transfered around and not helped. I was told I could cancel the account, but that waould negatively impact my credit score. They poffered me only {$20.00} credit for the misleading website that told me specifcally the amount I would save if I accepted the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a phone call to Citi Bank ( CBNA ) which is shown on my credit report. It is on there because of a XXXXXXXX XXXX XXXXXXXX Card. The card was paid off in XX/XX/XXXX, I have proof of the card having a XXXX   balance. I am trying to get a home mortgage. Due to them having this on my credit report I need a letter from them. I spoke with 5 individuals one being an account manager who all hung up the phone in my face. When I finally spoke with the 6th person I wad told that I could not get a letter regarding the false information they reported on my credit report. These phone calls happened on the morning of XX/XX/XXXX.
Product: Mortgage

Please consider this complaint a notice of error regarding loss mitigation options. Borrower sought loss mitigation options on an FHA loan and was offered an FHA Formal Forbearance for six payments of {$2100.00} for a total of {$12000.00} in payments in order to cure her arrearage on the account. This type of offer is only supposed to be made according to mortgagee letter XXXX if XXXX % of a borrower 's *surplus* income can cure the arrearage within 6 months time. Borrower 's *gross* income was calculated and presented to US Bank as {$2100.00} on her financial worksheet. Essentially, the repayment plan ( forbearance ) that has been offered represents nearly XXXX % of her gross income, which does not comply with FHA guidelines for such plans.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I engaged PenFed Credit union for a mortgage refinance in XX/XX/2020. A property appraisal was paid in full and no response from " underwriting '' has been provided to date XX/XX/2020. They have stopped providing updates to me as a consumer and I have provided all required documentation. 

I have requested a copy of the appraisal and it is yet to be sent bak to me. 

PenFed Credit Union underwriters, staff and management do not provide customer service. 

I have done over XXXX mortgages in my lifetime, this has far been the most unprofessional process I have ever been exposed to as a customer. 

No updates, No Answer, 6 Months later no completed underwriting. 

Stay away from XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX  XXXX.
Product: Student loan

I XXXX from college in XXXX and consolidated my subsidized and unsubsidized student loans for a 20 year term. Since XXXX I have done the following in an attempt to pay off my loan sooner : 1 ) Paid more than my minimum payment for the first 5 years 2 ) Signed up for automatic withdrawal to ( supposedly ) qualify for a 0.25 % interest rate reduction 3 ) The 2 years I was in XXXX school the unsubsidized portion of my loan was ( supposedly ) not accruing interest, however, I was still making MORE than the minimum payment in an attempt to pay off my loan sooner. 

When I logged onto my account this month XXXX XXXX XXXX ) I noticed my payoff date was in XXXX - this would make my loan term 22 years from my date of XXXXon in XXXX. How is this possible when I had a 20 year term AND had done the above XXXX activities in an attempt to REDUCE my loan term? I called Navient to inquire and got different stories from every representative and supervisor I talked to. The supervisor I spoke to indicated he was forwarding my complaint to Navient 's research department to investigate. The next day I received a useless letter from the research department that simply contained my loan amount and the payoff date ( in XXXX. ) I called Navient again and told them I was reporting them. The representative I spoke to this time just kept saying " well, we bought your loan from XXXX. '' I really do n't care who bought or sold my loan as I had no say in this matter at all. I signed an agreement when I consolidated my loan ( to a 20 year term ) and it was obviously broken in some way without my consent. In this situation there is no physically possible way that Navient was not taking money in some sort of unethical manner. This needs to stop. Others need to be protected from this happening to them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

With previous complaint Transunion removed fraudulent accounts but forgot to remove fraudulent inquires that were also listed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have Inaccurate and erroneous information on my credit file. I have notified Notified XXXX XXXX on several times on top of the companies listed below. They continue to say they verified information that I know they have not verified because it is incorrect so there is no possible way they could have verified information that is not true. Because of their negligence in reporting and inaccurate information it is causing me to have difficulty renting or purchasing a car. Covid seems to be the excuse for every Company not to follow the Federal law where credit reporting is concerned.

They have not verified, any of the debt that they are claiming belongs to me. 
I have never done business with any of these companies and none of these companies have contracts from me or assignments that show any proof that I have done business with them.
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XX/XX/XXXX and noticed some things were reported incomplete and inaccurate on ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXX Upon realizing these inaccuracies I sent EXPERIAN a re-investigation dispute letter CERTIFIED MAIL tracking # XXXX XXXX XXXX XXXX XXXX XXXX. EXPERIAN verified this account as accurate. Clearly violating 15 U.S.C. 1681i ( a ) ) EXPERIAN continued reporting. This account is reporting inconsistent payment history along with many other inconsistencies across the XXXX major credit bureaus. According to EXPERIAN this account charged off XX/XX/XXXX, however XXXX states this account charged off XX/XX/XXXX. EXPERIAN is also reporting an inconsistent payment history. EXPERIAN states XX/XX/XXXX as THE DATE OF LAST PAYMENT but also reflects Current / Terms met in the payment history for XX/XX/XXXX. That's clearly impossible. XXXX also states that this account closed XX/XX/XXXX AND EXPERIAN states this account was XXXX  days late XX/XX/XXXX. This account has been closed since XXXX it should not demonstrate an active payment history. EXPERIAN states this account was XXXX  days late XX/XX/XXXX but XXXX XXXX XXXX  days late. CLEARLY inconsistent dates. On XX/XX/XXXX I sent EXPERIAN a Method of Verification Dispute letter CERTIFIED MAIL tracking # XXXX XXXX XXXX XXXX XXXX XXXX requesting the information and documentation used to verify this account as accurate. EXPERIAN failed to provide this information violating 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). On XX/XX/XXXX I sent EXPERIAN another dispute letter CERTIFIED MAIL tracking # XXXX XXXX XXXX XXXX XXXX XXXX. EXPERIAN ONCE again verified the account as accurate despite my numerous attempts to rectify this issue. EXPERIAN has violated 15 U.S.C. 1681e ( b ) ). Despite my several attempts to remove this account for reporting inaccurately EXPERIAN CONTINUES TO REPORT this erroneous incomplete and clearly inaccurate information. XXXX has already DELETED this account from my credit report as a result of not being able to verify its accuracy. In the supporting documentation I am attaching a copy of this documentation.
Product: Credit card or prepaid card

I had a gift card with a {$97.00} balance. American Express sent me a letter asking that I fill out a form in order to get my balance refunded. 

This was over a year ago. Since then, I have tried every which way to get them to reimburse my funds. I have contacted them numerous times. I have filled out the forms they keep sending me ( they've now sent me 4 forms - the first 3 were the same one that I already filled in and the 4th was different ). 

It is clear this financial institution is not complying with the law. They are giving me an endless runaround, with the assumption that I'll get tired from it at some point and will just drop it. 

Please help me hold American Express accountable for their refusal to return my funds. 

Thanks
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a Collection agency and has reported to all Credit reporting agencies false info. Both them and the XXXX have failed to provide the XXXX and or Bases for the Collection. All 3 agencies have reported derogatory information based on this lack of communication. ONly Equifax has motivated them to retract the negative information and or collection. Still the derogatory history remains on my credit. please assist. I can send you the XXXX of Equifax response.
Product: Checking or savings account

I wired {$1000.00} dollars from Marcus by Goldman Sachs on XX/XX/23 and Marcus deleted the wire and never sent it. The bank, XXXX, that was supposed to receive it sent me an email asking why Marcus kept refusing to send money. On XX/XX/23 I then sent an online transfer of {$900.00} dollars to XXXX from Marcus by Goldman Sachs. Instead of send the money this time, Marcus lists it as pending on their end but posted on my end when XXXX never processed the funds and listed them as returned, while Marcus listed them as pending. I then asked for my money to be put in a check and sent to me and they refused my request illegallyXXXX XXXX refused and returned all Marcus by Goldman Sachs Transactions . I am requesting a trace of the {$900.00} and a check be issued to me for those funds when recovered.
Product: Debt collection

XXXX XXXX XXXX is attempting to charge me a fee of XXXX dollars. Which is an unknown charge to me.
Product: Student loan

On XX/XX/XXXX I called Discover Student loans to investigate a payment assistance plan. I end the phone call with my payment being reduced to by 50 % reducing my payments from XXXX to XXXX. On XX/XX/XXXX, I went to purchase gas and my card was declined. I used the app on my phone and found that in addition to taking the XXXX from my account Discover Student Loans also took XXXX from my account for a total amount of XXXX being taken from my account. I explicitly asked them woman on the original call to remove the original auto payment amount from my account and she confirmed it would be removed. This was not the case. 
Ive been going back and for with Discover Student Loans going on eight months receiving first apologizes and promises that a refund would be issued and the loan repayment assistance plan retro actively added to my account, then receiving promises via the electrotonic messaging inter face that my case was being looked over by numerous supervisors. Now and I all I get from them is phone calls and emails saying that my account is seriously in default. I have never stopped making monthly payments of {$230.00} what I was told over the phone my reduced payments would be. Im worried my credit score will take forever to recover for something that numerous people have admitted to me over the phone is definitely not my fault. Please help.