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

Applied for Citi AAdvantage Card for the mileage promotion online. I never agreed to online only statements. I never received a paper statement and never rec vied any notification of any statements until apparently my account was in a past due state. I called the bank to resolve the situation and was told there system would not allow them to reverse late fees. I paid the balance in full once I was informed WHAT THE BALANCE was. Confirmed that they should be sending paper statements going forward. But it was obvious that the workflow was designed to make it impossible to to " opt-in '' to paper statements a practice which appears to be purposeful to create late fee charges and punitive interest charges. Amazing that this is still allowed after massive bank bailouts ( especially Citi ) and passage of legislation creating the CFPB. Do your jobs regulators.
Product: Checking or savings account

Today, XX/XX/2020 at approximately XXXX I received a notification from Chase Bank of a XXXX transaction to the XXXX for membership. I realized that I selected the wrong tab and immediately called Chase Bank ( XXXX & XXXX ) to cancel the transaction so that I can pay the intended amount of XXXX. I called and bank multiple times ( XXXX & XXXX ) and spoke to different representations plus a supervisor after my original conversation to try and stop this transaction but each time the bank refused to stop the transaction and informed me that this matter needs to be resolved with the merchant. I have called the merchant multiple times but no one answered the phone and it was communicated to each representative that I spoke with. The only resolution that was communicated with me is that this is a matter for you and the merchant to resolve.
Product: Student loan

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Emailed the XXXX / XXXX XXXX XXXX XXXX XXXX through their online contact system to inquire as to why they continually underreport my loan payments and qualified non-profit employment for XXXX XXXX XXXX XXXX ( XXXX ) program. Was told they would reply in 70-90 days - never heard back and it is now XX/XX/XXXX. The XXXX continues to say that they've received my request, but never gets back to me to request documents or even say what the status of my XXXX program is. 

Here is the contents of the email ( sent twice ) : I sent the below info to you a week ago and have not heard back. When will you contact me back? This problem has been outstanding for over a year and I need assurances that this will be fixed. Please email me back, or at minimum, acknowledge that you received this communication. It's like sending something into a black hole! 
-- -- My XXXX number of qualifying payments are not calculated correctly. 

For Loan Sequence XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 49 qualifying payments. 
Employer XXXX Employment Date XXXX you list 9 qualifying payments when it should be 24. 
Employer XXXX, Employment Date XXXX the qualifying payments should be 25. 

For Loan Sequence XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 49  qualifying payments. 
Employer XXXX, Employment Date XXXX you list XXXX qualifying payments when it should be 24. 
Employer XXXX, Employment Date XXXX the qualifying payments should be 25. 

For Loan Sequence  XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 49 qualifying payments.

Employer XXXX, Employment Date XXXX you list 9 qualifying payments when it should be 24. 
Employer FXXXX Employment Date XXXX the qualifying payments should be 25. 

For Loan Sequence XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 49 qualifying payments. 
Employer XXXX, Employment Date XXXX you list 9 qualifying payments when it should be 24. 
Employer XXXX, Employment Date XXXX the qualifying payments should be 25. 

For Loan Sequence XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 67 qualifying payments. 
Employer XXXXr, Employment Date XXXX you list 2 qualifying payments when it should be 42. 
Employer XXXX, Employment Date XXXX the qualifying payments should be 25. 

I have the statements from the loan payment programs to support this claim. What is the best way to provide this info to you and get my account updated? I have requested this be done every year, and every year the info is grossly incorrect. Please advise as soon as possible.
Product: Debt collection

I recently served notice to the company to validate a questionable account they had reported on my credit report. The company not only failed to provide me with the proof I had requested but also verified the account with the 3 credit bureaus and persevered with reporting it.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following inquiries and accounts from my credit report, immediately : Inquiry removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I contacted experian on Tuesday XX/XX/XXXX 2017. Regarding incorrect information on my credit report and was told they could not remove address that were not mine nor names. Experian credit file does not match the other 2 reporting agencies.
Product: Student loan

nelnet my current federal loan service claimed on their website that we could contact them to find out the payment history of the previous loan service if we could not find the history of payments in their documents tab. I emailed them almost a month ago and have yet to receive an answer! I also asked nelnet to provide the terms of my loan ( consolidated ) so I can find out when would the loan be automatically forgiven based on a 20 year or 25 year repayment ; nelenet never bothered to respond!
Product: Student loan

Dating back 3 years when i stopped attending the University XXXX XXXX because trouble of funding to actually attend their classes. It wasn't until earlier this year I found out XXXX was found guilty by the department of educations of fraudulent loans. My question here today is I get emails about still making payments when i keep delaying because i am currently not enrolled in school.
Product: Checking or savings account

Incorrect overdraft fees Unfairly frozen deposits Incorrectly applied payments that led to higher interest charges and fees
Product: Debt collection

THE CREDIT BUREAUS NEVER DID A PROPER " INVESTIGATION '' ACCORDING TO FCRA. 

The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general, reputation, personal characteristics, or mode of living obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others whom she is acquainted with or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they violated my rights even more. 

In accordance with the Fair Credit Reporting Act EVERYTHING has to be 100 % accurate on my credit report. 

The Credit Bureaus 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 alone is grounds for removal.

They also violated the law because according to 15 U.S.C. 1682 section 602.A States I have the right to privacy.

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction XXXX XXXX XXXX, XXXX
Product: Debt collection

Someone gave them my phone number, I do not have an account from this place and they continue to call and harrass me and I am not even the person they are looking for Midland Credit Management
Product: Mortgage

On XX/XX/XXXX I was given a pre-approval letter from XXXX XXXX with Rocket Mortgage for a property purchase for XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Florida, XXXX. In speaking with him on this day he said there was absolutely no problem getting me a loan as far as my qualifications and that they were very familiar with the association for the condo complex we were buying and could waive the appraisal as it was all good to go. In fact, the pre-approval letter says " Since we have verified your information, you can be confident we'll close your loan. In fact, we're so certain you'll make it to closing, we'll pay you {$1000.00} if you don't. '' On XX/XX/XXXX he locked in our rate and we agreed to pay for a 90 day lock at 6.99 %. We sent {$500.00} to them for credit reports and loan costs. We continued to provide documentation that was required and were continually told everything was proceeding as it should. We never heard anything different until on XX/XX/XXXX we received an email from the title XXXX saying that she had received an email saying Rocket Mortgage was not proceeding with our loan. We then looked on the Rocket Mortgage portal and sure enough there was a statement saying they couldn't complete the loan on that property at this time. We called the mortgage broker and when he returned our call he assured me that they hadn't communicated with me because they were trying to resolve a glitch that he felt would be resolved having to do with a recreational lease on the property. My XXXX XXXX agent, XXXX XXXX, had already sent him proof that there was no recreational lease on the property. So we continued pursuing this with XXXX and his superiors, in fact a total of XXXX people were part of the email chain I was communication with via email. No one other than XXXX ever returned promised communications or calls to me to update. They explained that they couldn't do the loan because XXXX  XXXX  wouldn't back the loan because of this recreational lease that hadn't existed since the XXXX 's. They tried to blame it on the association management for not responding to their request for a condo questionnaire which they never requested and we have email proof of that. On XX/XX/XXXX XXXX XXXX and a woman named XXXX called my agent XXXX XXXX and said the loan was dead as far as they were concerned. They never communicated with me, despite all my emails to them. They told XXXX they would call me but they never did. I was their client and they didn't have the decency to let me know that. I began working with another mortgage broker and am closing today. That person had absolutely no problems with our loan or with Fannie Mae. We are now paying a XXXX  % interest which over the course of 30 years comes to {$18000.00}. It is clear to me that the reason they did not complete my loan had to do with interest rates going up and nothing else. The mortgage broker that closed my loan believes that someone at Rocket Mortgage dropped the ball and neglected to lock in with a financial institution that would back their loan.
Product: Debt collection

I was a victim of Identity Theft. I filed the proper information, printed out the entire FTC Identity Theft Report with affidavit. Everything was removed from my credit report of all 3 bureaus except one item on XXXX from Progressive Management Systems. They intentionally falsified the paperwork they sent in regards to my immediate reply to their request for the FTC report & copies of ID/SSN card. I called, they apologized and sid they'd remove it immediately and still haven't sent the removal request to XXXX. Their paperwork also states their license is still pending. Is there a legal time limit they're allowed after it's been proven and sent certified to them -- that they're responsible for submitting immediate removal from my credit report?
Product: Checking or savings account

I have been a Suntrust customer for over 15 years. I have over {$140000.00} in my checking and savings accounts. I have never had a returned check or and overdraft item. My credit is perfect with a score of XXXX. I rarely use the branch for any transactions I use direct deposit and online banking. I just received a letter informing me that Suntrust is closing my accounts. There is no reason for this action in the letter. I called Suntrust and they would not tell me why they are closing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE XXXX NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 
My current address is : XXXX XXXX XXXX XXXX NC XXXX Previous address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Wyoming Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have included proof of my current address, and proof of my social security number for your review. I will await an updated copy of my credit report to reflect these changes. 
Thanking you in advance.
Product: Mortgage

I need your assistance in investigating my mortgage company, SPS. They claimed that I defaulted on the HAMP. Reason being was that they said after placing me on the HAMP, they realized that I was unemployed when they, XXXX XXXX placed me on the HAMP and after realizing that I was getting unemployment checks ( which they received copies of in the modification packet ; they kicked me off the program. I made three trail payments them they sent me the permanent payment plan but then re-sended, claiming that because I was unemployed I did n't qualify for the program. Then they went into my husband account and took out a payment and he is not even on my loan.
Product: Mortgage

On XX/XX/2024, Santander Bank attempted an auto-withdrawal from my checking account to pay for accrued interest on a HELOC. I was notified via email that there were not sufficient funds in the account to make the payment. On XX/XX/2024, I called Santander Bank  customer service to manually make the payment and was given reference number XXXX. Santander Bank mistakenly applied the payment to outstanding principal instead of accrued interest. When I became aware of the mistake on XX/XX/XXXX, I called Santander Bank and explained the situation. I was given a case number of XXXX by a representative by the name of XXXX. He promised that the payment posting would be corrected in 5-7 business days. On XXXX XXXX, I received a delinquency notice by mail which indicated I now not only was delinquent on the payment of the interest, but {$300.00} had been added in late charges, because, the bank is claiming, I had not made an interest payment within the 10-day grace period. Additionally, the letter indicated the late payment could be reported to the credit bureaus. I called Santander Bank again on XX/XX/XXXX and the representative indicated that the account would be corrected by XXXX that afternoon. On XX/XX/XXXX, with the account still showing as delinquent, I called Santander Bank and spoke to a representative by the name of XXXX, who indicated there was now a Care Case number of XXXX that was issued on XX/XX/XXXX. She indicated that the correction of the misapplied payment had an XXXX ( XXXX XXXX XXXX ) completion date of XX/XX/2024. She also added my request that the late fees be removed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding the reporting of several accounts on my credit report. Despite disputing these accounts and requesting proper validation over 60 days ago, Experian has failed to verify or validate the disputed accounts within the legally required 30-day period. This continued inaccurate reporting has damaged my creditworthiness and caused financial and emotional distress. 

Accounts in Question XXXX  XXXX Account Numbers : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Numbers : XXXX XXXX XXXX Account Numbers : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Specific Violations Failure to Investigate Disputes within 30 Days Violation : FCRA 611 ( a ) ( 1 ) ( A ) requires Experian to investigate and resolve disputes within 30 days. Experian has failed to complete the verification process within this period.

Impact : This failure has allowed inaccurate information to remain on my credit report, damaging my credit score.

Failure to Delete Unverified Accounts Violation : FCRA 611 ( a ) ( 5 ) ( A ) mandates that if disputed information can not be verified within 30 days, it must be deleted. Experian has not removed these accounts, even though more than 60 days have passed since my dispute.

Impact : Continued reporting of these unverified accounts has negatively impacted my ability to access credit.

Inaccurate and Misleading Reporting Violation : FCRA 607 ( b ) requires Experian to ensure maximum possible accuracy in reporting. The failure to validate these accounts and the continued reporting of potentially inaccurate information violates this requirement. 
Impact : This misleading information has resulted in higher interest rates, credit denials, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Bankruptcy XX/XX/XXXX XXXX Docket ID : 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 furnish without my written instructions.
Product: Consumer Loan

I financed a car through PNC bank. I was required to open a PNC bank account when opening the loan account and keep a minimal balance there to cover the loan payments. As a responsible consumer I also singed up for automatic transfers from the bank account to the loan account on the payment date. 
After the first month, I noticed that there were XXXX transfers out of the bank account. This also caused me bank fees for the overdraft. I contacted PNC bank to complain. I was advised that I probably made the payment twice. I said that this was not correct, as I had only scheduled it once. They said that they would reverse the extra payment and fees. 
The next month, PNC again withdrew the payment twice. This time they also charged me a {$30.00} fee on the loan ( I assume because of the reversal ). 
I contacted PNC again. This time they told me that PNC automatically withdraws money from my bank account. I told them that without my permission it is fraudulent to do so. They said that it was in the contract. I said that they never advised me about the automatic transfer ( without my permission ) the first month and had they done so, I would have cancelled the auto pay that I set up. In addition, right after receiving the car, I had contacted PNC for a copy of the contract as I wanted to make sure I had the full copy, and there was no mention of an autopay in the contract that they mailed me. 
PNC said that they would look into it and reverse the charges. I have not heard back since. In addition, in order to reach them, I have had to call many times, send many email, and they rarely reply. What they are doing is Fraud and illegal.
Product: Bank account or service

I left my chase atm card in a chase atm during normal banking hours earlier this week. when i try to call that chase bank branch XXXX the phone rings over 8 times and then i get a recording that tells me they are busy providing wonderful support to a different customer and i should call back in a few moments. I got this same recording for over 20 minutes. when i finally gave up and XXXX chase hq number XXXX and spoke with the nice lady ( XXXX at HQ in XXXX ) who answered the phone and explained everything to her she said she would try the branch and put me on hold. she then came back to the line with XXXX from the branch at XXXX XXXX fl who told me the following1. that they do not log atm cards that are turned into the branch2. that they shread said cards without bothering to notify there own customers that the card was turned in and shreaded. 
3 he then stated in a very condescending tone that i was the one who left my card. 
at that point i ask XXXX to remove him from the call and asked her to transfer me to the presidents office. she sent me to person named XXXX who was helpful regarding canceling my card and getting me a new card but said he really could not help other then waiving the replacement card fee. 

you should note that i have had repeated issues with chase and when i complain to them at best i get a follow up voicemail message from a branch manager who then hides behind his voice mail when i call back. I have even been lied to by the regional vp admin at there regional office XXXX and then they alo hide behind there voice mail.