23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX Citizen 's drafted my XXXX XXXX checking account not only for my mortgage but for a second loan, with a different loan number and different name on the account. So they drafted my account for my correct loan amount of {$3100.00} AND they drafted my account for an additional {$290.00} for a loan belonging to Mr. & Mrs. XXXXXXXX ( not me ). 

On XX/XX/21 Citizens did the same thing, with the exception of this time Mr. & Mrs. XXXX XXXX loan was drafted for {$230.00}. 

On XX/XX/21 I contacted Citizens XXXX to explain to them what they were doing and to the get it corrected. After explaining the situation to 4 different customer services representatives, telling the last one who seemed to understand the problem, the name and account number of the incorrect loan draft, which got her to take me seriously. Prior to that everyone thought I misunderstood what was happening or that XXXX XXXX made the mistake. I was told a " Supervisor would investigate and call me back with in 24 hours ''.

72 hours later I had not heard anything from the mystery supervisor, so I called back, explained the story yet again. Gave the account number, account name dates an amount of the drafts of the incorrect loan draft yet again, and the customer service rep said I needed to provide a XXXX XXXX statement showing proof of the drafts coming out of my XXXX XXXX account. Despite questioning why Citizens could not look at the drafts in question and see where they were coming from, I obliged and send in my XXXX statement showing the requested information. Later that day XXXX received a call back from Citizen Customer Service thanking me for sending my statement over and then asking me for my XXXX account number and the XXXX ABA number. Again, Citizens already has this information as I provided them with a voided check originally to set up the auto draft payment for my mortgage. I was driving in the car when I received this call and told the CS Rep that didn't not know the XXXX XXXX ABA number off top of my head. This seemed to fluster her. I asked when I could expect a refund of the {$520.00} that Citizens has mistakenly taken from my XXXX XXXX account that was used to pay someone else 's loan. I was told they would be back in touch with me. 

XX/XX/21 Still no resolution on this problem. So I emailed Citizens XXXX XXXX  Customer Service where I had sent my account statement to previously and I got a response that I should call customer service. I don't have the patience to speak to another Citizens customer service representative. I have spent over 1 hour on the phone with there Customer Service department and given my Name, address and SS # at least a dozen times, yet not once has Citizens acknowledge, forget apologized, for their mistake, for my hassle and aggravation to fixed a problem that their internal controls/audits show have never allowed to happen in the first place.
Product: Checking or savings account

XXXX - XXXX XXXX  is great. The people there helped me resolve the problem. Please don't go after my bank. The problem is with the Bill Payer service  which I believe I have tracked to fiserv.com. 

The bill payer company unilaterally decided to Stop Payment on my bill pay for my rent. I had more than enough money in my checking account to cover the {$450.00}. There had been one stop payment a few months prior and it was over and done with. That stop payment was because a hurricane blew away my landlord 's mailbox. 

The bill payer did not notify me. I found out about the problem when I tried to log in on XXXX XXXX to pay XXXX bills but I was locked out of the system. I called XXXX XXXX  on XX/XX/XXXX. Again, they're the greatest. They diagnosed the problem and got me re-enabled for Bill Payer. But I had to go to an ATM to withdraw cash to pay my rent before it was overdue ( and before I got charged late fees by the landlord. ) On XX/XX/XXXX I received a letter. They hide behind " XXXX XXXX XXXX/ XXXX XXXX XXXX/ XXXX OH XXXX and provided a useless phone number XXXX. The letter was postmarked XX/XX/XXXX. The letter was dated XX/XX/year>. So they waited 12 days to mail it. 

The letter says " our item was returned by your financial institution for payment stopped '' - LIE! XXXX XXXX  did not do that. That was a different check back in XXXX that I had to replace because a hurricane blew away my landlord 's mailbox. Since then, XXXX and XXXX had been paid by Bill Payer. Now they unilaterally decided to stop my XXXX check. 

" Please contact us at XXXX to review your account status. '' It's nothing but recorded phone menus, at least on the Saturday when I called. 

It closed with " Thank you, XXXX XXXX. '' with no signature.
Product: Credit reporting or other personal consumer reports

Hello and XXXX XXXX XXXX. I have reached out to the credit bureaus several times at this point to dispute several collections that do not belong to me. Each time it comes back as verified. I sent a certified letter requesting them to validate/ verify the debt and I also asked them to provide the method in which they verified the debt. Additionally, I asked for any and all signed contracts and or any valid documentation that proves I owe the debt which is their fiduciary duty. The credit bureau 's however did not send me ANY of the requested information and just instead sent me an itemized letter once again stating the debts had been verified. They however, did not provide method of verification as I requested nor did they provide even a single piece of documentation proving I owe any debt to any creditor. This is unlawful violation. 15 U.S.C 1681G. Please see the attached dispute letter that was sent to the credit bureau 's and their response. 

Attached : Driver 's License, Dispute letter, Response to Dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

On some of the charges the name and other information is inaccurate, while some charges are not possibly mine due to the time they occurred and the amount. In XXXX I had all of my personal information with my ID, Social security card and some other things stolen along with my moms purse. And XX/XX/XXXX I was mugged and they took my wallet which had my ID, passport and Debit cards in it. I want to enroll in a monitoring service because my credit score is frighteningly low due to accounts that were either fraudulently opened or mistakenly charged.
Product: Debt collection

I filed a complaint. XXXX XXXX did and 'Investigation ''. They came back with " Verified as Accurate, but updated as Payment Received ''. THIS CAN NOT BE. The Payment was made to the ORIGINAL and ONLY creditor XXXX XXXX, as shown in the provided document, LONG before this so called company is trying to " collect ''. It was paid in XXXX of XXXX and it says they obtained in in XXXX of XXXX, so how can they mark it as PAID to a company I NEVER OWED??? THIS IS FRAUD! I want this removed NOW! Is is NOT ACCURATE. You can not pay off an " original creditor '' and ADMIT THAT, then mark it on someone's report as PAID to a FRAUDULENT DEBT COLLECTOR! REMOVE THIS COMPANY IMMEDIATELY!
Product: Credit card or prepaid card

I applied for a bank of the west platinum credit card based on promotions I received and saw online ( 6 months no interest on purchases ). I  received some other promotion ( 15 months no interest on balance transfers ), but this change was not disclosed to me. I inquired about the promotion and the company took a long time to respond and I incurred hundred of dollars in interest waiting for their response. Nowhere on the account, settings, or statements were the promotions listed or identified. When I called they said they absolutely would not reduce the interest charge under any circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly late payments on the XXXX XXXX partial account number XXXX. This loan was sold ; paid in full and settled. XXXX XXXX is still reporting incorrectly late to all three ( 3 ) bureaus. ( Please see pages 8 and 9 of the attached credit report. ) This incorrect reporting is harming my credit score. Please remove these line items from my credit report.
Product: Student loan

Yes I have worked in public service for over 10 years, submitting paperwork last year in XXXX. I have been either deferred or forbearance status for XXXX years with no knowledge from the stdt loan center that i could have this work counted towards my balance which has since ballooned from XXXX to XXXX. This is pure fraud on the dept of education. I applied as mentioned before for pslf and to this date they gave me no relief for my service in the public.
Product: Debt collection

Medical Revenue Service posted multiple collections on my credit report around XXXX of XXXX. I disputed these items with the credit bureaus and some items were not removed. Since I was in the process of building a home ; I felt I had no other option but to pay these false claims. I never received proof that the alleged debts belonged to me. I only received a statement that the debt was paid by Medical Revenue Service. Furthermore, during the time that they alleged that I owed them this debt, they were not licensed to collect debt by the state of Florida. This company was able to enforce such charges only because the Credit bureaus did not validate their claims. I never received proof that the debt was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying a house, everything was fine until we needed a credit report from Experian. We did not have any issues from XXXX or XXXX, only with Experian. I have an account at XXXX XXXX since XX/XX/XXXX. The people of Experian said that they have not received any report about me from XXXX XXXX in years, that the last one was with an address from Arizona where I lived from XX/XX/XXXX to XX/XX/XXXX.  So, I called XXXX XXXX bank about this issue and explained my problem to them telling that I was in a hurry, that I am in the middle of an escrow and that the only thing that we needed to move forward was to get that credit report from Experian, and that the guys from Experian needed the information about me from the XXXX XXXX. The person at XXXX XXXX checked and said that they have been always reporting to Experian. I called back Experian, and that was the main issue here, Experian and XXXX XXXX have been blaming each other and the problem is not yet solved. 
My realtor and the guy from the financial services have been helping me and my wife with this. I added my wife to my credit card months ago, she is the co-borrower for the credit that we need to buy this house. The guy from the financial services discovered that the XXXX XXXX had frozen my credit reporting, we were totally unaware of that fact. We called again XXXX XXXX now about this issue, XXXX XXXX ( the  guy from the financial services ) was on the line, he proposed the conference call. We called XXXX XXXX and he explained the situation, and we were put on hold, with the new person on the phone he had to explain everything again, I passed the phone to my wife and I told them that I authorized my wife to do on my behalf whatever that needs to be done. I had to leave because I have a job to attend. XXXX and my wife were about two hours on the conference call with XXXX XXXX, being jumped from one person to another, waiting in between and having to explain all over again every time. The last person to who they have to talk was the one from the dispute department, it happens that they put a dispute about my data regarding the Experian case, all my information was frozen and that has caused a even further delay because the administrative process to unfrozen it takes several weeks. 
Now we lost that house, the seller can not wait any longer and now they are selling it to another buyer. This has caused us too much stress and we have lost a lot of time and also money, the direct expenses in which we lost money were for the inspection of the house ( {$370.00} ) and for the rapid rescore agreement ( {$240.00} ) with the XXXX XXXX XXXX. Other expenses were the fees for the rescheduling of our summer trip and the extra cost of our current rented apartment because the contract is over and we are in a monthly base arrangement.
Product: Credit reporting or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Discover card increased my interest rate in my latest statement by .25 %. They have done this 3 times in the last 18 months. In XX/XX/2018 I closed my account with a balance so the increases would stop.

I did ask them to reduce the interest rate before closing the account but was denied.

Can they keep increasing on a closed account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged {$26.00} by Experian on my XXXX XXXX card. I have a credit freeze on my accounts but never signed up for a fee-based services. I called the number listed for Experian on my XXXX XXXX bill which you can not speak with a Customer Service Rep. It is not an option. The company 's website doesnt allow you to cancel or dispute charges online.
Product: Mortgage

XXXX XXXX works at XXXX denied XXXX XXXX Never got approved Tomo Boost Never received card with steady payments XXXX XXXX Can shop at store XXXX can get XXXX change the application XXXX offered XXXX to support me never received many more I don't believe anything is going to help But I am trying to walk away from this situation without a on going failed attempt I have filed for the best mortage for my specific need. I have a XXXX with a lot expertise as a XXXX  my class is at 100 percent I have clients looking to buy from XXXX XXXX and other companies I create of XXXX XXXX that taught me how. The main problem is its often a issue that I don't qualify due to not want to share information with people that think I don't fit the nor that people with bad credit don't qualify. I also applied for basic credit with Tomo they will not realize my credit hoping Ill keep waiting no card in the mail since XXXX with more and more work pulling up
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting on my consumer reports at Experian, XXXX and XXXX. As a debt collector they do not have permissible purpose ( which is my consent ) to furnish this information on my consumer report. I never gave permission for them to share my personal information.
Product: Student loan

Last year 2017 XXXX did not contact me about the need recertify my PAYE plan. They literally put in every single bill they send that the payment is an estimate and the the plan " Since you are currently on the Revised Pay As You Earn ( REPAYE ) plan, you are required to recertify your income and family size annually. Your next payment due above is an estimated amount if you do not successfully recertify. '' They do not say WHEN I need to recertify. This year I still don't know if and when I should recertify so I just went to the XXXX and filled out the form myself when I was able to. This is completely ridiculous. Neither student.ed.gov or XXXX bothered to notify my of WHEN to recertify by. When I did recertify last year after the deadline I had to resubmit the SAME EXACT FORM 5 times because they kept denying it. Clearly this is a tactic to squeeze money out of students by causing all the interest to capitalize. Having this company run this is a complete disgrace.
Product: Credit card or prepaid card

Citibank charged me an annual fee for a card I do not have any more because I downgraded to a lower tier card. 

Now I've called multiple times, and what bothers me is both representatives I've called I've been hung up on. This is unacceptable. The kicker is the clear attempt to sway me away from an actual representative by making me go through XXXX   automated dialers. Then when I get on the phone I hardly hear the representative, they hardly hear me. 

This is just XXXX customer service, and I want to drag this company down however I can. I get that COVID-19 is an issue right now.
Product: Credit reporting or other personal consumer reports

I recently review copy of my credit report and notice i had fraudulents account on my credit report.Please remove these accounts from my credit report. they are hurting my ability obtain credit. 

XXXX requests at different times. 

CITIBANK NA., BEST B CITI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX  CITIBANK NA., BEST B CITI XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XX/XX/year> XXXX
Product: Debt collection

Some years ago, I had my purse stolen. I reported it to the police department when I resided in Florida but  whomever the  person was still open things in my name and I did n't find out until later. At that time when I got phone calls, I advised on the issue and sent a copy of the police report to whoever called back then. I have relocated and have no clue where the report is. It appears whatever creditor it was could n't collect so they made money by selling the unauthorized debt and I was never sent anything before hand or before this was placed on my report per FCBA guidelines.
Product: Student loan

As of XX/XX/year>, my school announced its closure. XXXX XXXX is the school I attended and where I applied and received financial aid. Im uncertain if Im obligated to repay the loans back due to I was out of college for some of my XXXX year at the XXXX year institution. I were dealing with complication with XXXX personal life at home and eventually became XXXX. My college was made aware of my living conditions and decided to place me on leave for the remainder of the semester until Ive manage to solve my personal troubles. I decided to come back but when I did I was made aware of its closure and was really worried about my academic standing and FASFA deadlines and status of loans.
Product: Debt collection

I submitted a letter asking XXXX/ DNF Associates to validate the debt. Neither XXXX/DNF Associates sent any information showing my signature on any contract that was sign with either of them. DNF Associated mail me a letter asking for a payment in the amount of {$150.00} as of this day I have n't received anything. I even sent a dispute to the XXXX credit bureaus asking for the same information and I have yet to receive it. XXXX said it was verified I asked how what documents were produce. NONE! so how was this account verified.
Product: Credit reporting or other personal consumer reports

Late last week I tried to login to get my updated XXXX XXXX. I was unabled to do so. I was transferred, and the next thing, I know my account was cancelled and I had to start a new account. Instead of {$16.00} per month ( my last charge, ) the new account was $ XXXX taxes or {$32.00}. I tried multiple times to get my new account activated, and several people could not do it. In frustration, I told them to cancel everything and went to XXXX. There is a pending charge on my XXXX bill that when posted, I will fully dispute and send to XXXX fraud. 

My wife saw the article on the CFPB XXXX XXXX XXXX TransUnion and said this is exactly what happened to XXXX is either gross negligence on Transunion 's part or part of a larger scam. 

Please advise, XXXX XXXX
Product: Consumer Loan

We had a loan with Ally. While my husband was XXXX XXXX military and XXXX Ally illegally repossessed our vehicle without trying to assist us with making payments. They violated federal laws that protect service members while XXXX.
Product: Debt collection

Complaint XXXX  and XXXX  to XXXX and PennyMac XXXX XXXX XXXX On XX/XX/2016 I entered into securities transaction with undisclosed to me XXXX XXXX  who was acting via chain of sham XXXX XXXX XXXX XXXX who acted under name of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX which was renamed by XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX registered by XXXX XXXX as a single member LLC Another undisclosed to me part was originator XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX whom actor for hire XXXX XXXX, XXXX forwarded my information via secured website MSP I did not know anything about XXXX involvement as a services or its fictitious company XXXX or originator XXXX XXXX  As the result of this deception I signed promise to pay XXXX and mortgage to give XXXX access to my property as a collateral On XX/XX/2016 XXXX servicing hired XXXX XXXX XXXX XXXX XXXX to send me letter on XXXX  letterhead informing that XXXX dab XXXX  is my new serviced and directed me to send money to XXXX XXXX in XXXX TX XXXX XXXX where my money were collected and processed by XXXX, XXXX owned by XXXX XXXX, XXXX who deposited my money with XXXX  XXXX XXXX, owner of XXXX XXXX XXXX and XXXX XXXX who is a the 100 % owner of fictitious corporation PennyMac XXXX XXXX, XXXX incorporated as a separate entity by XXXX XXXX as a single member LLC On XXXX XXXX XXXX sent me a letter that my loan was transferred to XXXX XXXX dba PennyMac XXXX XXXX XXXX I started receiving letters and billing statements from XXXX, XXXX on XXXX XXXX company letterheads directing me to mail payments to the same post office in XXXX Tx where my money were collected and processed by XXXX without any references to XXXX XXXX XXXX XXXX to mention, PennyMac XXXX XXXX  XXXX co XXXX who fully own XXXX XXXX PennyMac is owned by hedge funds XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX died, but XXXX continued to demand from me money on his behalf On XXXX XXXX XXXX XXXX managed to initiate foreclosure in my home When I offereda total payoff for my alleged loan, XXXX XXXX directed me to send my full payment to XXXX XXXX XXXX in the account which routing number belongs to XXXX XXXX  XXXX XXXX, and without any return address to PennyMac XXXX services XXXX except a XXXX  XXXX rented by XXXX In XXXX XXXX XXXX XXXX hired lawyer XXXX XXXX who submitted claim in his behalf I want to clarify how XXXX XXXX XXXX issued directions to chase and how lawyer XXXX is going to deliver him my money? 

I found an alternative financing and want to pay my alleged debt in full if XXXX XXXX will provide me warranty of ownership of my alleged debt signed by an individual officer who can verify this ownership and give me a copy of account receivable from PennyMac loan services , LLC