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

I still recall that eperience I had with Bank of the West while I tried depositing money into my account. My balance was negative by less than 100 dollars and the atm acted up. My debit card had not returned to me and the money did not reflect on my account. I called Bank of the West Customer Service and the lady I spoke to stated that they would send a tech person, but wasn't alowed to disclose any info. So I recieved a call from the bank the next day to pick up my card. I asked the manager if he can waive the fee and stated he couldn't because he had done it once. He knew about my curcimstance and did not bother to honor the atm issues.
Product: Mortgage

I set up biweekly payments with an extra amount towards the principle. Reliance First Capital , LLC holds the payment in a " suspense '' mode till the end of the month. I also made several extra payments towards the principle and Reliance First Capital , LLC holds the payment for over 30 days! For example I sent them {$50.00} towards the principle every other week since XXXX and called them in XXXX. They said they were in a suspense hold and did I want the money released? I said it should have been applied toward the principle as soon as it was received. They said that is not their policy and waited until XXXX to " release the funds. '' THIS NEEDS TO BE INVESTIGATED!
Product: Mortgage

We currently have our VA mortgage with Freedom Mortgage. We were contacted to do a streamline refinance to 2.875 %. We went ahead with it, and scheduled a closing. We were later contacted by our mortgage lender, who said that we should be able to get lower. I contacted Freedom Mortgage who had me speak to a mortgage rate negotiator I spoke with XXXX XXXX XXXX NMLS # XXXX ; Corp. NMLS # XXXX. He stated that he could lower us to 2.75 % and it wouldnt affect our closing. He said " I simply have to price out the loan and that's all. Once i do that, i get it approved by my supervisor and update it in the system. '' He told us to go ahead with the closing, and it would be taken care of. I followed up, letting him know that the closing was done, and he asked for my loan number. I provided it to him, and have not heard back. That was XX/XX/2020. Our interest rate has not be reflected to what we were told by this loan advisor. We signed closing documents under false pretenses and he will not respond to emails or provide information for his supervisors information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$680.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; 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 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I had a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC show up as a inquiry on my credit. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts with this bank that are included in a chapter XXXX bankruptcy that has been XXXX. The bankruptcy was under my wife 's name and I was awarded a community discharge as a result. The bank did not show up to the meeting of creditors nor did they respond to the notice with any issues they had. Now that this has been XXXX they are refusing to remove this from my credit report or update the status in any way. They told me on the phone that because of the bankruptcy they would not be able to try and collect the amount due but I was still liable for the account. How can this be? They are not able to take payment for the account but it stays on my credit report forever and there is no way for me to move past it? Per what I was told by my lawyer and also the trustee overseeing the bankruptcy this account should be removed from my credit as of XX/XX/2018. I am submitting this complaint as a last attempt to resolve this matter, my next move will be to re hire my lawyer and move towards more aggressive legal actions. I am asking that both accounts be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following ( Equifax, XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX Date opened XX/XX/2012 XXXX {$1800.00} ).
Product: Debt collection

I saw in my public credit reports that I have a dent of {$180.00} from XXXX XXXX and I did not sign up for that at all. And I'm trying really hard to build my credit and that's definitely not helping and is stressing me out.
Product: Debt collection

I filed chapter XXXX bankruptcy in XXXX. XXXX XXXX XXXX ( " XXXX '' ) Owned the right to collect on my private student loans that I received from the XXXX XXXX SCHOOLS prior to my bankruptcy. American Wducation Services ( " AES '' ) serviced my XXXX loans and XXXX XXXX XXXX was the debt collector hired by AES when I went 180 days past due. XXXX themselves entered bankruptcy in XXXX and was bought out by XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ), only to itself enter receivership in XX/XX/XXXX. Through these bankruptcies and ownership changes I was concerned that AES was not accurately updating me on the status of my loans. The credit reporting agencies listed the debts as closed, not only on my credit report. But on both of my cosigners as well. This took place XX/XX/XXXX. Only to have the debts reappear as open in XX/XX/XXXX. I then began to receive new payment demands from AES. I contacted AES in XXXX asking them to verify the closing of my accounts and to verify the owner of the loans. To which they responded, the loans were open and I still needed to pay, even though XXXX was closed. AES denied that XXXX was closed, and said until they receive notice from XXXX they will continue to request payment and send it to XXXX. AES has still claimed they are sending money to XXXX, even though there is no such company to send money to. As of XX/XX/XXXX through XX/XX/XXXX AES has taken a total of {$5600.00} from me knowing XXXX no longer exists. I want my money refunded and all loans through XXXX to be removed from my name. AES keeps saying they will make a negative remark on my credit report every month that a payment isn't made.
Product: Bank account or service

My husband, XXXX XXXX, and I filed a Chapter XXXX bankruptcy XXXX restructuring of debt ) in Georgia on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we filed to covert our case to Chapter XXXX XXXX total discharge of debt ). In XXXX XXXX, we incurred a debt with Suntrust Bank when our checking account was closed out with an outstanding balance. This occurred before our bankruptcy was converted, and therefore, should have been written off by Suntrust when the bankruptcy was discharged in XXXX XXXX, in accordance with U.S. Bankruptcy Code XXXX Suntrust refuses to write off the debt and report it correctly XXXX. I have provided proof that we converted the bankruptcy after the debt was incurred, and my lawyer has sent them a letter stating that, under U.S. Bankruptcy Code XXXX XXXX b ), debts existing at the time of filing under Chapter XXXX are eligible for discharge. 

Since XXXX XXXX, I have spoken with Suntrust representatives numerous times. XXXX representative told me that their bankruptcy department did not remove the debt because our original case was filed in XXXX, before the debt was incurred, and that you can not add new debt at the time of conversion, which is false. I have also been told XXXX times that they would update their records and report it correctly to XXXX. I have also been told that they received my documentation, as well as the letter from my lawyer. 

Today, XXXX XXXX, XXXX, I was informed that Suntrust had none of this documentation on file, and that all they could do was send the account back to their bankruptcy department for review for a third time. I have spoken to XXXX more representatives from Suntrust today, XXXX from their recovery department, and XXXX from litigation. The woman from recovery told me that she would send an email to her supervisor who was out sick today, and he would call me back. The woman from litigation noticed that my account had been sent to their bankruptcy department XXXX times now and asked to call me back after she could look into my account further. When she called me back, she said that it has been taken out XXXX. This is the XXXX time in XXXX months that I have been told this, and I am skeptical.
Product: Student loan

The following is a summary of my interactions with Navient, my private student loan lender : On XX/XX/XXXX the sum of {$1600.00} was automatically withdrawn from my account. As a graduate student working part time at a XXXX XXXX, this was an extremely large amount of money that brought my balance well below XXXX. When I contacted Navient, I was informed that I had exhausted all of my options for deferment or forbearance. I was not aware that there was a limit to the amount of deferments or forbearances available for private student loans. I asked to be put on a repayment plan. 

On XX/XX/XXXX, I spoke with a represenatative and a member of the management team. After several conversations they had with me, as well as my father and mother, reviewing details of our financial situation, they offered to put us on a repayment reduction plan with the repayment amount of {$810.00}. This was still an extremely high amount for me and my parents, who are both retired. But since they assured us that this amount was the lowest they could offer and since it was significantly lower than the full, original amount, we agreed. The contract was for a year, after which, our financial situation would be reviewed once again. We hoped that if we kept making payments for a year, without hassle, we would be rewarded with a chance to renew our contract with a lower monthly payment. At that time my parents had ample savings. 

However, early last year, around XXXX of XXXX, my uncle decided to sue my father over an inheritance dispute. This lawsuit has cost him nearly {$60000.00} - so far, since it is still on-going. The savings is being drained, nearly gone. They can not afford to help me with my student loans. 

On XX/XX/XXXX, I was given notice that my repayment reduction plan would expire in XXXX. I called Navient on XX/XX/XXXX and XXXX and asked for the plan to be extended. I had to provide details overviewing my financial situation. ( I am employed hourly, making an average of {$1000.00} a month, my rent and bills not including food or day-to-day expenses total about {$500.00} a month. ) So did my father, who explained his legal as well as financial situation. ( My father and mother have a combined income of roughly {$2000.00} from social security. ) At first, we were offerred a repayment of {$850.00}. After much protest, that amount was lowered to {$780.00}, starting in XXXX, but that was as low as they would go. I called again on XX/XX/XXXX to make sure but still the amount wouldn't budge. 

Furthermore, the amount of my total payment due listed on the home page of my online account fluctuates a great deal, sometimes as low as {$650.00}. However, since we agreed to the fixed payment amount of {$780.00} ( currently still {$810.00} ) that's the amount that gets withdrawn from my account each month, no matter what I owe. 

I don't understand why payments can't be lowered. We are willing to pay but we simply can't afford that much.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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: Mortgage

Dear Consumer Financial Protection Bureau : Wells Fargo has been mismanaging my mortgage for the past year and a half. On top of this, they have assessed additional fees and interests without any notifications or approval on my end. These faulty errors are causing me a loss in the excess of {$50000.00}. I am surprised that they have sent letters about escrow shortages, even though I have constantly been consistent. I am also on a fixed rate mortgage, therefore the interest should not be fluctuating as it has. My bill from when my mortgage started to how it is will serve proof as to how my mortgage is being handled. I am saddened that XXXX XXXX  gave them my account and I could not choose what lender bought it, otherwise, I would not be having to face the mismanaging. I work too hard to be cheated. 

Not to mention, much of my states assistance funds I received during XXXX in XXXX were not been allocated and disbursed correctly. Rather than correct these issues as well, all of the agents did not understand any of what was going on with my account. In an effort to maintain my mortgage they forced me to pay an escrow shortage over the phone and they had me disclose my routing and account number over the phone. They stated that it was necessary or I would be at risk of foreclosing. Something illegal seems to be going on. Whether it is an automated issue that is going on or intentional harm, I ask that these damages be recompensed by applying these considerations back into my mortgage account. 

Attentively, XXXX XXXX
Product: Credit card

During three phone conversations, agent promised that the annual fee would be waived, first after spending at least {$1000.00} in three billing cylcles, which was done, second, that a credit would be on a future statement, third, the credit would appear on the next statement. In the fourth phone call, agent said, I was required to respond to an offer, but no offer was given via email. She would not credit the annual fee that was paid last XXXX.
Product: Student loan

Fed Loan Servicing has my loans split into three separate loans. All of my payments made have been with one check that covers all three of the loan payments, yet Fed Loan Servicing has three different certified payment amounts for me for the XXXX XXXX XXXX XXXX XXXX. I have tried to rectify this by speaking with them, but nothing has been corrected in the two years I have been trying to fix it. There are incorrect " ineligible payments '' listed. Below are the dates for the " ineligible payments '' that should be counted as correct : XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX All of these are listed as either " payment received outside of the payment period window '' or " You do not have a bill due for this payment period '' For one of my loans, they are counting them, but then not counting them for the other two. They should count for all three as I only ever send in one check per month to cover all three. 

This is costing me money as I should already qualify for loan forgiveness under the public service loan forgivenes program.
Product: Checking or savings account

I am writing to complain that Citi doesn't make prompt payment and negotiation for the opening bonus as stated in their promotion package. I opened an account package in XXXX, XXXX ( with told by the banker for the {$400.00} opening bonus if meet the requirement for maintaining XXXX deposit for at least 60 days ). I met the requirements on XXXX, XXXX and was told that I would be paid within 90 days. After 90 days, I have not received any bonus so I followed up with Citi. They opened an investigation case on XXXX, XXXX and confirmed that I was eligible for the bonus ( See attachments attached ). I communicated with Citi with this investigation result, but up till now I have not received the opening bonus yet. Now, I am writing to claim for my rights : The opening bonus {$400.00} as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXXI was informed that Equifax experienced a large data breach, and was able to confirm that my data was included in the breach.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account venerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I purchased a Cashiers Check ( check # XXXX AMOUNT {$3200.00} ) on XX/XX/19, but the Payee lost the check. I immediately contacted US Bank and requested a stop payment be placed on the cashiers check to prevent any one finding it & cashing it. US Bank advised me that it is their policy to wait 90 days before putting a stop payment. I am very worried that someone will find the check and I will be a victim of fraud. I believe that US Bank should immediately stop payment to prevent that from happening. I do not know why they would risk a check being cashed by the wrong person for 90 days. They also said that they would not be able to reissue the check for 90 days. This causes a financial hardship bc I need that money sooner than 3 months.
Product: Money transfer, virtual currency, or money service

Too Whom this May Concern On XXXX XXXX XXXX PayPal Inc contacted me via phone and email stating that as of that day a hold of 5 % of all transactions would be held for 90 business days, also a minimum of {$10000.00} would be held from my account for 180 business days. PayPal is licensed in the State of Florida as a Money Transmitter Service with License number XXXX expiring XX/XX/XXXX. Florida Statute 560.208 Section 5 states Shall, in the normal course of business, ensure that money transmitted is available to the designated recipient within 10 business days after receipt. I have sent several emails to PayPal and PayPal executives/supervisors/customer service requesting my funds to be released and did not receive a response. I finally received a phone call today XX/XX/XXXX in response to my request and complaints. The customer service agent I spoke to denied my request and specifically stated PayPal operates out of California and does not recognize Florida state law. I disagree. As a licensed business/service in the State of Florida, Paypal should be held to the same standards and laws which accompany their Money Transmitter License and their privilege to conduct business in Florida. I feel that any reasonable person would conclude that holding such a high balance for 180 days is excessive. and may be viewed by some as punitive or as already stated, an unnecessary abuse of power. This is also contrary to the laws set forth by the Florida Office of Financial Regulation. I have been very patient in this process and have requested on numerous occasions for the return of funds. I am simply seeking a resolution that is fair and in accordance with Florida State Law, the State I live and conduct business in. Thank you for your time reviewing my case.