23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Between XXXX of XXXX and XXXX of XXXX, I was repeatedly given wrong information, and misled about the status of my account. I tried repeatedly to apply for economic hardship deferments, forbearances and income-based repayment plans, but was constantly denied. The reasons for denial were ridiculous. For example, they would claim that I didn't include information that I most definitely DID include as requested. Other times I was told I wasn't eligible, or that my request " was not an option for me ''. Actual people told me those things even though I was eligible. They lied. 
All this time, they very inconsistently reported information to the credit bureaus regarding the status of the account, which became delinquent ( according to them ) as I tried in vain to seek relief! Some months they reported, others they did not. Even when they did grant me a deferment for a few months, they still reported my account as delinquent to the credit bureaus. After my account was transferred to another loan servicer, I requested that the closed account be deleted from my credit report at all the credit bureaus. They have repeatedly denied this request, even though the payment history is grossly incorrect.
Product: Checking or savings account

On XX/XX/2023, approximately XXXX, at the Capital One XXXX in the XXXX XXXX XXXX XXXX XXXX I attempted to deposit cash ( {$2400.00}, in {$100.00} XXXX ) into the ATM machine ( there were two ATM machines and I used the one on the right ). The ATM machine shut down and returned my debit card but did not deposit my cash into my checking account and did not print out any receipt. 
With the help of the Capital One Bank representative working there ( XXXX XXXX, I spoke to the Capital One claim department and filed a claim of {$2400.00}.
Product: Credit card

I have a credit card with Bank of America and have been a customer for years and have paid my credit card bills on time every month. This past month I made a mistake and the internet system automatically put the payment for the lowest possible amount ( when I had programmed the full amount ) - I do n't know why the amount was changed. I have paid the full amount and the Bank insists on charging me late fees, etc. They then said I had to contact them by phone - I am out of the country and calling is difficult for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute involves XXXX XXXX and an inaccurate reporting of my account status to XXXX, XXXX, and Equifax. After challenging the validity of the account I received feedback from XXXX, XXXX, and Equifax which stated that the account was being reported as verified as accurate and updated. After several attempts to get them to verify this information I went through some olf files and was able to find a settlement letter dated XX/XX/2016 stating that the account had in fact been settled. I also found a cancellation of debt which was provided by the company in XX/XX/2016. After the bureaus continued to report the status of this debt as negative, I sent all of this information to them and reached out directly to XXXX XXXX. Their response was that theyd reported all of the information in question correctly and since the bureaus had already reached out that they would not reinvestigate the matter. After receiving the letters XXXX then changed the account status to paid, but allowed all negative payments to that point to remain with the status being FP or " failed to pay ''. This again impacts my ability to purchase a new home, apply for business credit, etc.
Product: Checking or savings account

For 2 years My brothers XXXX checks have been deposited in my account the same way via Mobile App Not bounced or Anything He is currently incarcerated so I am unable to take him into a bank or have the bank call him Explained this multiple times my account has been frozen since XXXX XXXX XXXX  did not flag the transaction as fraudulent only the bank
Product: Debt collection

I am currently behind in my payments due to being off work. I have explained to the account representatives the reason I am late. I have also advised them the date the amount and method of payment. I continue to receive calls from Flagship financial services asking if I word lime to set up my payment. The account representative XXXX continues to be sarcastic and very abusive. I asked her to read back the previous Noyes several times and she refused. I have also asked that they do not call my references, nor skip trace me when they do have a point of contact with me. I have also asked to only email me. The sarcasm and the back of professionalism has gone too far.
Product: Checking or savings account

Citibank fraudulently debited my account and additional {$2000.00} on XX/XX/XXXX and even when I notified then about it and they admitted that it was their mistake, they flat out refused to do anything about it. 
Citibank put my account in on " Overdrawn '' status because of its own fraudulent debits and denied me access to my own funds for 2 days. 
I use this account as my primary account and losing access to my hard earned money for 2 days caused me lot of hardship. 
Since they put my account in " Overdrawn '' status for 2 days, my XXXX request for pulling money from an external bank ACH 's service were also rejected. I was charged 2 {$35.00} fees for that and Citibank is refusing to do anything about it. 
I lost at least 5 hours trying to reason with their XXXX XXXX  CSR agents who habitually XXXX to customers. 

If all that wasn't bad enough, their customer service is even worse. There is no way to put it, but they are all donkeys, no offense to donkeys. These are some of the XXXX  excuses I was provided - They tried to blame me for their own account mistake, even though debits showed the same id ( XXXX ), they kept blaming me by saying that I initiated 2 transactions. 
- Some were so XXXX that they couldn't even recognize the transaction id as initiated from Citibank itself. Asked me to contact the recipient bank which had nothing to do with Citibank 's stupidity. 
- If you ask for a supervisor, they just hang up on you - Some agents feel it is ok to chat and giggle with their co-workers while they are on call with a client - The worst part, when you ask for some one higher up, they flat out XXXX to you. The excuse is always the same that their manager is in a meeting an they will call me back, Of course, no one ever calls back. 
- They flat out refuse to correct the mistake even after they admit it after hours of arguing. 
- When asked what should a customer do when a XXXX bank like Citibank fraudulently overdraws a customers account, the answer is try borrowing money from a friend. 

To the person who is responding to this, I have proof of everything that I said included the phone calls. So you better not lie like everyone at Citibank habitually does. 
I have attached proof that even on the 2nd day, after spending 5 hours on the phone with these XXXX XXXXs, they hadn't rectified the issue. 

CFPB, will you please also refer this case to DoJ so that they can take appropriate action against the XXXX XXXX who run this bank. The only reason this scam of a bank survived was because of clients and tax payers like that.
Product: Credit card or prepaid card

I signed up for this credit card under a promotion that offered {$200.00} cash back after spending {$500.00} or more within 90 days. I activated the promotion by clicking on a link on their home page which said " click here '' to sign up for this card with this promotion. I reviewed and confirmed I completely fulfilled the legal terms and conditions by spending a little over {$1000.00} within the first month. The issuer closed my card after a month and refuses to pay out per the terms of the agreement. There are no requirements as to how long the card must remain open in the legal terms and conditions so despite the issuer closing the card, they are still obligated to fulfill their end of the agreement. 

I contacted the issuer multiple times and spoke with multiple agents. They gave me all sorts of excuses like A ) " the card has to remain open '', which I quoted the terms on the product page saying nothing about the card needing to remain open. B ) Another agent tried to tell me that I never activated the offer. However, again, I clicked right on the big button right next to the offer which said " click here '' to apply under these terms. 

Also I spoke with the issuer 's customer service agent named XXXX on XX/XX/22, which was within a week of receiving my credit card in the mail, and she confirmed that the offer had been applied and was active on my account, when I called and directly asked her " Is the {$200.00} signup bonus for spending {$500.00} was applied to my account? ". I asked the operator and a supervisor ( XXXX ) to pull the call record and they could confirm that their operator XXXX had told me the promotion was active on my card. but both the agent and the supervisor refused to check the call recording.
Product: Credit reporting or other personal consumer reports

As you may know as a consumer reporting agency there is a need to insure that Transunion excise their grave responsibility with fairness, impartiality and respect for my right to privacy. All of which Transunion has failed to do, they have disregarded my confidentiality, the accuracy, relevancy, and proper utilization of information being reported on my consumer report. Between XXXX I disputed the bankruptcy reporting and everything related to the bankruptcy as it was and still is unverified, inaccurate, irrelevant, unfair and inequitable. I have reached out to the Bankruptcy court myself and received a letter that verifies that no information was provided to the consumer reporting agencies but instead they continue to report and state that the information " is verified '' by the court that is allegedly reporting when no one can verify it as it was not given to them. I further sent a dispute to XXXX XXXX who is the holder of this information ( not the court ) has sent me a letter stating that all the information for the bankruptcy records determinate that the data being reported is " UNVERIFIABLE '' ( See letter from XXXX XXXX ATTACHED ) My reputation and character has been intentionally ruined since XXXX because of the false, misleading, inaccurate, and irrelevant reporting. I have suffered alot from this as I am not able to get into my own place, I am also not able to get anything for my personal, family and household purposes due to their negligence to apply reasonable procedures to properly investigate this matter.
Product: Debt collection

Bull City Financial Solutions, a debt collecting agency, repeatedly contacted me for the debt owed by a previous tenant of the apartment I currently rent. I was called several times, and each time there would be no response when I answered the phone. I was called XX/XX/XXXX ( answered ), XX/XX/XXXX ( answered ), XX/XX/XXXX ( missed ), and XX/XX/XXXX ( answered ). When I finally called them back ( XX/XX/XXXX ) after XXXX   the number, they indicated that they were attempting to reach the previous tenant, who is someone I have never met or had any association with. This seems to indicate that Bull City Financial Solutions contacted the management of my apartment complex and the management gave them my contact information since I live in the same apartment that the person with debt lived in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX aren't complying with my dispute request. I sent them a letter on the 1st and i sent them a letter on the 30th that told them my first inital dispute, its been 30 days and i haven't heard back from them. I sent them a 30 day demand to comply and they still haven't responded.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-off and profit-and-loss write-off reported on my credit file in relation to account number 1.Creditor : Exeter finance Account number XXXX XXXX : XXXX XXXX Account number : XXXX My rights under federal law have been violated, and I demand immediate action to correct this matter.

Violations of My Rights 1. Failure to Provide a 1099-C If a debt is canceled, forgiven, or discharged in an amount of {$600.00} or more, creditors are legally required under the Internal Revenue Code ( 26 U.S. Code 6050P ) to issue IRS Form 1099-C. I have not received such documentation, which is a violation of my rights and obligations under federal tax law. 
2. Inaccurate Reporting & Unjust Damage to My Credit If you have claimed this debt as a loss for tax purposes, then legally, you should no longer be reporting it as an outstanding balance on my credit file. Reporting a balance that has been charged off and counted as a loss violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) and is considered inaccurate and misleading.

3. Lack of Validation & Due Process Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I have the right to request validation of any debt being reported or collected. If these charge-offs are inaccurate, and do not comply with legal reporting Im asking that they be remove immediately.

I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account in question is : Creditor Name : XXXX XXXX Account Number : XXXX This account is being reported inaccurately and is a violation of my rights under the FCRA. It is currently listed as a closed account, but I believe this information is incorrect and negatively impacting my credit profile. I request an immediate investigation into this matter and demand that the inaccurate information be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Data Mortgage Inc XXXX XXXX  continues to report my loan account as delinquent. As a result, my credit score continues to decline. There was an internal autopay issue on the account in XXXX that we were not informed about via mail. Once we seen the delinquency on my account, we immediately paid and called XXXX to confirm in on XX/XX/2022. We even paid the amount up until XXXX. Here are the two confirmation numbers XXXX ( to confirm the status ) and XXXX ( to correct the failed autopay ). Each day after, XXXX continued to report the account as delinquent and my credit score dropped over XXXX points from this discrepancy.
Product: Vehicle loan or lease

Usury interest rates 23.30 % on auto loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting

My student loans are on duplicated on my credit report. They appear twice on all my credit reports. This effects my credit because I have several loans and the are entered twice. can we fix this problem.
Product: Credit card

I applied for a Navy Federal XXXX XXXX Credit Card on XX/XX/2023. Regardless of the reason for denying the extension of credit, I have the right to my securities. As a result of this action any use of the application/ promissory note of value or SSN Estate and Trust to retrieve funds, credits, tender or FRNs other than to extend credit to the principal named would be considered securities fraud pursuant to the Security Exchange Commission rules and regulations and NFCU Indentured Agreement. This is also a violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act. I would like to expressly withdraw my application immediately pursuant to the Consumer Financial Protection Bureau 1002.9 as Im aware that the application is a secured collateral of value.
Product: Credit card

I have American express Blue cash preferred card with cash reward program ( upgraded from my previous blue cash everyday ), and used it heavily in the past XXXX month ( over $ XXXX total, should have ~ {$200.00} reward dollar based on my own calculation ). I am supposed to earn the reward dollar ( for previous statement ) within XXXX business days I pay the current statement. However, the cash reward dollar in my account was never updated for my 2016 expense. I contacted AMEX regarding this issue by online chat three times, phone call XXXX times. Every time, I had to spend half hour explain what happened. I was promised by different customer service guys that investigations were being submitted that I would get the reward dollar I earned, but XXXX months passed, nothing came back. I am not even sure if the customer service lied to me about the investigation or not because once I was told ( also by AMEX customer service ) that there was no investigation submitted. what make it worse is AMEX can not give me a timeline when this problem can be resolved, and they just want me to wait. I can not close the account either because the reward dollar will be forfeited.
Product: Credit card or prepaid card

I have spent over 15 hours on the phone with Best Buy citi bank. They transferred me multiple times to different departments. My identity was stolen and card used to purchase items back in XXXX ( over XXXX worth of items from a XXXX ). I submitted paperwork showing that our entire neighborhood was targeted. They keep saying oh yes, these charges will be removed- it is clear fraud. It is never removed and continues to gain interest. There are notes in multiple of their systems explaining the issue. They just never get it fixed. I have had to call and be re-routed weeks and weeks later. I am at my wits end. This is wholly unacceptable.
Product: Debt collection

Credit Councel Inc sent letter to collect debt that is not our. Refused to provide invoice. Ref a date we did not own this home. Verbally abusive and threatening to ruin credit if I do not pay. I even called the creditor and they have no record of any debt and also mentioned they dont use such services. They are in XXXX FL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are improper inaccuracies on my credit report. I have reached out to XXXX, Equifax and XXXX to have this removed since I did not give consent for this inquiry. 

hard inquiry : XXXX XXXX Bank on XX/XX/22
Product: Mortgage

This complaint is in follow-up to CFPB complaint XXXX. I have filed multiple complaints with the CFPB against my Lender regarding their handling of my escrow account. Please see complaint numbers : XXXX, XXXX, XXXX, and most recently, XXXX. I received notice on XX/XX/2020 informing me that the PMI on our home had been cancelled effective XX/XX/2020. They said at that time a new escrow analysis would be performed to provide me with updated payment information, reflecting the removal of our PMI. When I did not hear anything, I called the office. I was informed I would receive one by XX/XX/2020. XX/XX/2020 came and went and no escrow analysis. So I called again XX/XX/2020 and I was told nobody ever ordered an escrow analysis, despite me being told there was one ordered and a " rush '' was put on it. So the agent ordered a new escrow analysis, and she said she would put a " rush on it as it was the third I had requested. She said it would be ready by XX/XX/2020. Today I received a letter from Shellpoint Mortgage Servicing informing me that they were removing my PMI effective XX/XX/2020, as well as notifying me that the escrow analysis I received in XXXX of 2020 XXXX prior to my PMI being removed ) showed an overestimation in what my payments would be for the following year ( an issue I disputed with NewRez multiple times ). I called NewRex today to find out how the overages I had paid would be returned/refunded to me and they said they would have to pull the new escrow analysis. Once again, the order for a new escrow analysis was not placed. Finally, I spoke with an agent names XXXX XXXX. She placed the XXXX request we have made for an updated escrow analysis today and instructed me to fax a letter to their escalations department at ( XXXX ) XXXX to inform them this is my 4th request, and to request a " rush ''. I am currently in a forbearance plan due to COVID-19 impacts, and I am working to pay my balance by the date my forbearance plan expires ( XX/XX/2020 ). I must know how much I am actually going to owe in order to satisfy repayment. We have never had a straight answer from NewRez regarding our escrow account, despite multiple queries, and CFPB complaints. It took an analysis from Shellpoint to finally find what I had been telling them all along - that my escrow payment was too high. Now, I can't even get them to order an escrow analysis. They are still holding overpayment for PMI that was cancelled 6 months ago. Something has to be done about their inexcuseable practices surrounding their management of escrow accounts. Normal people just want to pay their mortgage. It should not be this difficult to get what we are entitled to ( an accurate escrow analysis ) so we can pay our mortgage. I have been fighting for months now. This is completely inexcuseable.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are  XXXX  inquiries on my credit report that I did not authorize. Before any credit is issue I am suppose to receive a phone call and still have not. I am a victim of identity theft and need these inquiries removed.  XXXX   XXXX / XXXX /  XXXX  ,  XXXX   XXXX   XXXX / XXXX /  XXXX  ,  XXXX   XXXX   XXXX   XXXX / XXXX /  XXXX  ,    XXXX   XXXX   XXXX     XXXX   XXXX ,   XXXX  , &   XXXX   XXXX    XXXX / XXXX /  XXXX   It shows up   XXXX   only suppose to be on there  XXXX .