23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

When I signed up I was told that the balance would be paid off within 12 months. However I was recently told that I would have to pay the full balance in one lump sum. Therefore the monthly payments I've made for the past 11 months has not effected what I owe. That I'm also stuck paying on this account. I can not afford to pay the balance in full. now my credit score and reports are down and negative therefore making it harder for me to leave a place that is not safe for me. ( There are people who live around my neighborhood who are watching me ).
Product: Credit card or prepaid card

My name XXXX XXXX. I had an item i wanted to buy from XXXX XXXX, XXXX XX/XX/2021, Amount {$3800.00}. So i was advice by the store associate to apply for their store credit card that carries 0 % APR for 18 months, since i have an " Excellent '' credit score with a FICO score of XXXX & above depending on the credit bureau. XXXX credit card is operate by " Synchrony Bank ''. I was hoping there won't be any problem since i have an excellent credit with a FICO score XXXX & above depending on the credit bureau, so i applied. After my application, Synchrony bank run my credit history but there was no issue as well & i was instructed by the bank to send my ID & take a picture of myself and submit it to the link that the bank sent to me to verified my identity. Immediately after i submit my ID & take a picture of myself they saw my picture & realized the applicant was an XXXX, then they started coming up with all kinds of issues just to denied the applications because in their widest dreams they could not believe at a time like this a XXXX man can have such a great credit history. This is unbelievable & unacceptable that having a good credit history is not good enough to get a store credit card for an amount a low as {$4000.00} even though it's clear through my credit history i am above & beyond qualified. They were unable to provide a cogent reason for the denial because i ask them for the reason, THEY ONLY JUST GAVE ME A GENERIC RESPONSE. I HAVE A GOOD JOB, GOOD INCOME & FICO score of XXXX & ABOVE depending on the bureau, i've been on the job for more than XXXX. WHAT A HELL IS THE REASON FOR THE DENIAL I want to make this compliant here as " Synchrony bank '' has racially profile me & i felt been discriminating against cuz this is an act of discrimination even though i met above & beyond all the qualifications for this credit card, they could not provide me with a cogent reason for the denial. Synchrony bank need to be exposed because i'm sure they have done this to some other applicant of XXXX. THIS CAN NOT CONTINUE!! This is perhaps the most humiliating i've felt in a long time.
Product: Mortgage

On XX/XX/2018, my intent was to pay off my mortgage with PHH Mortgage. I could not wire funds as my bank was in New York State and I was told I had to come into the office in NY and I am in Florida. I decided to do an e-check for the principal balance, and a follow-up e-check for the remaining daily interest and {$10.00} recording fee. Both payments were put into a suspense account by PHH on XX/XX/XXXX and XX/XX/XXXX respectively. They told me they needed 10 business days because the funds were not certified. Payoff figures were for XX/XX/18. I was told by TWO customer service reps that my property taxes ( due XX/XX/XXXX to avoid paying additional tax ) would NOT be paid because of the payoff intent, and that the escrow was frozen. I didn't think this was appropriate as they were not going to post my payments until close to when the tax bill was due ( with discounts ). I waited until XX/XX/XXXX, and processed an e-check for {$7.00}, xxx.xx from my bank to XXXX County Tax Collector in Florida. Today, PHH states that they sent a bulk check on XX/XX/XXXX to XXXX County for the same amount to pay my taxes. PHH says if they were to request the funds back, it would take FOUR MONTHS for me to get my monies back. ( I still have about {$1900.00} left in escrow as well, which they tell me would take about 3 weeks to receive the refund ). I then called XXXX County, and they said they have not yet processed the bulk payment, and would probably do so either XX/XX/XXXX or XX/XX/XXXX. Even though I told them I already paid, and that my mortgage will be paid off today ( they are to apply the suspense payments today to full pay the account ), they refuse to send me the overpayment, and state that it must go back to the payer ( PHH ). XXXX County says it could take 4-6 weeks for the monies to be sent back to PHH. I don't think I should have to wait four months for my money. I am very upset about this.
Product: Debt collection

Cadle co had purchased my loan in XXXX of XXXX. I have been paying them since then. Cadle Co purchased this debt from my previous mortgage co XXXX XXXX. My loan with XXXX XXXX was a 30 year fixed loan ( FHA ).  Now that my loan is with Cadle co. this loan is to be paid in 10 years. I just learned this today XX/XX/XXXX via an email response to an offer that I needed to accept for a payment modification. I had to ask several detailed questions to even learn this information because their offer email was very vague. At no point before this was I ever made aware of this 10 year term. In XX/XX/XXXX Cadle co sent me documents about my mortgage payment going up by {$500.00} due to an error/shortage that they just found in my escrow. That payment increase would start in XXXX. Then in XXXX they sent another document about my mortgage payment going up by {$250.00} due to an error/shortage that they just found in my escrow. That payment increase would start in XXXX. 
In XXXX of XXXX I contacted Cadle co to ask them about re-financing this loan to get a more affordable payment. In an effort get get help with this process I had also reached out to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX ( a company that does housing counseling services ) I was being helped by XXXX XXXX. They in-turn referred me to XXXX XXXX XXXX for the loan Re-Fi. I was dealing with XXXX XXXX XXXX. 
After 1 Year of Mr. XXXX & Mr. XXXX trying to negotiate a Re-Fi, Cadle Co declined EVERY offer that was made. So in XXXX of XXXX that is when I made my 1st complaint to this office about my issues with Cadle Co. after my complaint Cadle co. reached out to me seaming as though they were trying to help me but really they were not. Since XX/XX/XXXX we ( Cadle Co, my Wife & I ) were corresponding via emails & they asked us to submit some financials. I did as asked. They then sent me & my wife a very intrusive email asking me about my wife 's monthly income, checking her social media & asking questions about things she posts. My wife is not on this loan she is only on the deed. We responded to their questions. Cadle Co then sent an offer a few days later. The offer was very vague and my wife & I had to ask several questions. Cadle co responded to all my questions and that is when I learned that this is not a Traditional 30 year Mortgage, that is a loan that has to be paid in 10 years, the monthly payment is about 95 % interest only & at the end of the 10 years there will be a very large Balloon payment of about 300,000.00. Cadle co also does not send monthly statements even though I have asked them repeatedly This offer is extremely predatory & aggressive. I am asking that something to be done about this matter. Or that I am pointed in the direction of how to fix this matter.
Product: Credit card

Issue Type : Credit card Incorrect billing / account handling Company : Citibank/ The XXXX XXXX Complaint : I applied for a Home Depot credit card and was approved. I made a purchase during the application process with the understanding that the card would arrive shortly. However, I never received the physical card. 

When I attempted to pay off the balance in person using my social security number and ID, I was told my account didnt exist and payment could not be accepted. Despite my efforts to resolve this, interest charges began accumulating. 

I later contacted XXXX XXXX again and was told the only way to pay was by using the cardwhich I had never received. During this time, additional charges accrued without my ability to pay, and eventually the account was closed due to nonpayment. This unfair handling of the account has damaged my credit score, despite my good faith efforts to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX the Revolving Credit on my Citi Card-XXXX was {$19000.00}. 
On XX/XX/XXXX I accepted the Citibank credit card Offer 14 for a balance transfer with 0,00 % Promotional Rate until XX/XX/XXXX. I made a transfer of {$10000.00} and paid {$300.00} transfer fee ( see XX/XX/XXXX statement ). 
I accurately made the required minimum payment every month. 
On XX/XX/XXXX I accepted the Citibank credit card Offer 15 for a balance transfer with 0,99 % Promotional Rate until XX/XX/XXXX. I transferred {$9800.00} and paid {$290.00} transfer fee ( see XX/XX/XXXX statement ). I accurately make the required minimum payment every month. 
On XX/XX/XXXX I made a payment of {$8100.00} to pay off the remaining balance of the Offer 14. The remaining new balance was {$9900.00} ( see XX/XX/XXXX statement ). 
On XX/XX/XXXX the Citibank moved {$7600.00} from the Promotional Rate 0.00 % into the Standard Purchase Rate 15.49 % ( V ) ( see XX/XX/XXXX statement ). I didnt know about it until XX/XX/XXXX, because I was using Paperless Statement system and all payments were being made electronically as per the schedule. Since then the amount I am being charged every month for the interest varies from {$100.00} to {$110.00}. 
When I asked a Citibank clerk what happened I was told that even though I had made a payment that would be enough to cover the balance of the Offer 14, only the minimum required amount was applied towards the Offer 14 balance. The remainder of the payments was applied towards Offer 15 balance because it has higher APR. The clerk said that this happened because I had two ongoing promotions with different APR. When I asked her what I could have done differently to avoid paying interest charges, she said that the only option I had was to pay off the balance, which at that time was {$18000.00} ( see XX/XX/XXXX statement ). 
I tried to raise this issue with a Citibank Credit Card manager, but she  said that I was explained the conditions of both offers before accepting them! 
I understand that nobody forced me to accept these offers but at the same time I couldnt possibly understand all technical aspects of what would happen when two offers overlap. 
If I was told in XX/XX/XXXX that in order to avoid interest charges, Id have to pay {$18000.00} four month later, I wouldnt accept the Offer 15! 
Given the complexity of payment allocation for two offers when combined, I dont think the information was adequately communicated for me to make an informed decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



TransUnion ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer : WORK XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Inquiries : XXXX XXXX  XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Collection : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Collection : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Formal Complaint of Violations : Under Federal Privacy and Consumer Protection Laws Parties Involved : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and Other Third-Party Agencies Allegations : Violation of Privacy Laws ( 15 USC 6802 - Gramm-Leach-Bliley Act ) : Pen Fed and XXXX failed to XXXX XXXX consent before sharing my personal financial information with third-party entities. 
These institutions did not provide an opportunity to opt out, as required under federal law. 
Unlawful Reporting of Consumer Information ( 15 USC 1681b - Fair Credit Reporting Act ) : Credit reporting agencies furnished my consumer reports without a permissible purpose as defined by FCRA. 
Derogatory information was reported on my credit file without written consent or authorization. 
Extortion and Conspiracy ( 18 USC 894 - Extortionate Credit Transactions ) : Pen Fed and XXXX allegedly conspired with credit agencies and third-party XXXX to extort payments and punish me through the use of derogatory credit reporting. 
This action constitutes extortion and has caused significant harm to my financial standing and personal well-being. 
Identity Theft and Unauthorized Information Sharing ( 18 USC 1028A - Aggravated Identity Theft ) : My sensitive information was mishandled, traded, and sold for profit by these institutions and associated agencies. 
These acts were performed without my consent or lawful authority. 
Supporting Facts : The information shared with third-party entities was done without providing an opt-out mechanism or obtaining my consent. 
Derogatory information remains on my credit reports despite no permissible purpose for the initial furnishing of the data. 
My personal and financial information has been exploited for profit, with no communication or agreement on my part to authorize such use. 
Legal Violations : 15 USC 6802 : Failure to ensure privacy and consumer consent for sharing financial information.

15 USC 1681b : Furnishing consumer reports without permissible purpose.

18 USC 894 : Extortion through punitive credit reporting practices.

18 USC 1028A : Misuse of sensitive personal information without lawful authority. 
Requested Remedies : XXXX cessation of sharing, trading, or selling my personal and financial information. 
Removal of all derogatory information from my credit reports. 
A formal investigation into the practices of Pen Fed, UXXXX, and involved third-party agencies. 
Compensation for damages incurred due to these violations, including but not limited to financial loss, XXXX XXXX, and legal fees. 
XXXX of compliance with federal privacy and consumer protection laws moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a charge-off/collections account on my credit report on XX/XX/2022 via certified mail. The amount was {$91.00}. This information was sent to all 3 Credit Bureaus, XXXX XXXX, and XXXX deleted the account. Equifax has not placed the account in dispute, or acknowledged my request. They have yet to respond to my inquiry and it has been well over 30 days.
Product: Checking or savings account

Spoke to the financial institution IT Supportaccording to them they are working on the problem but as of this date of filing the complaint has been 5 days. 
My concern is that the financial institution never inform their customers of the website issue. 
. 
Meanwhile I am not able to do any transactions internally to transfer my money. 
I feel that they are not being upfront on what is the problem and cant give a timeline when the issue will be fix. 
Ive been a customer of this financial institution for 14 years. 
This problem has never happened before. 
The transaction is in the Ira Savings section account.
Product: Checking or savings account

XXXXm writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions where authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the CFPB findings for Navy Federal Credit Unions for similar occurrences, where transactions settled for insufficient balances despite initial available funds. The practices were unfair to me and I request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I petitioned Equifax to remove a bankruptcy from my credit report. The most recent request, I received a response dated XX/XX/2018, confirmation # XXXX. Included are the results are of Equifax 's " reinvestigation '' of my request to remove the bankruptcy from my credit file. The letter advises that the results were verified via XXXX XXXX, a third party vendor. Again this letter from Equifax is dated XX/XX/2018. 

XX/XX/2018, I received confirmation from XXXX XXXX ' consumer center, case number : XXXX, a letter confirming results differing from what Equifax claimed to have confirmed. The XXXX XXXX resolution to my dispute : After a reinvestigation of the data in question, XXXX XXXX was UNABLE to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently REMOVED this required from your XXXX XXXX XXXX  report. 

XXXX XXXX removed the unverifiable bankruptcy. Therefore, Equifax clearly lied about the source of their information. Consequently, the unverifiable bankruptcy remains on my credit file and continues to cost me higher interest rates and lower credit line extensions.
Product: Credit reporting 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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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: Checking or savings account

To whom it may concern : XXXX. The late payment status on this account is invalid and inaccurate you must have maximum accuracy in reporting. Please delete if you fail to verify I demand you show supportive documents that your reporting is accurate and show that Ive been late this is a violation of your 15 USC 1666 b which violates my rights. XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$2000.00} Open balance {$1500.00} XXXX. Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account info Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$13.00}, XXXX past due as of XX/XX/XXXX. Status updated XXXX XXXX  Balance {$13000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$12000.00} Highest balance {$13000.00} Terms XXXX XXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : - Comments : - Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX. VA XXXX Credit card XX/XX/XXXXXXXX  Closed Account charged off. {$1700.00} written off. {$2000.00} past due as of XX/XX/XXXXXXXX XXXX XXXX 138 % {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} {$2000.00} {$2000.00} Individual Sincerely XXXX XXXX