23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

CITI Thank you prefer card company made a mistake in my mailing address by forgetting put my unit number in my billing address. So I did not receive my statements. When I found out the pending balance when I checked my credit report and contacted the collection companr and they forwarded those statements. When I contacted CITI, they refused to take off the interest charge and fees. This late payment mistake was caused by CITI and they should not charge me any interest and fees. Now my credit is effected by this. So I have to stuck with the high interest rate for my other credit cards balance with this company. I file this complain to request CITI waives any late interest and fees on the CITI Thank you prefer Card and fix this late payment record in my credit and resume my good credit.
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. XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance {$0.00} - XX/XX/year>
Product: Student loan

I heard the company Navient was involved in a class action lawsuit. I originally had {$10000.00} in loans during my schooling at XXXX-XXXX from XX/XX/XXXX to XX/XX/XXXX. The amount of interest that has been charged makes it impossible for the loan to be paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in myreports with XXXX, Equifax and XXXX credit reporting agency. These items wereopened fraudulently. Ive informed all parties of the issue & provided the necessarydocumentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the creditreporting agency & data furnisher have not provided me with any evidence of an opencontract, signed contract or any valid proof this was opened, authorized or created by me.Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX  ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XXXX : {$3600.00} XXXX XXXX ( XXXX : XXXX XXXX  XXXX  ) XXXX Balance : {$4100.00} ; XXXX XXXX : {$190.00} ; XXXX/XXXX  XX/XX/2021 XXXX
Product: Mortgage

Dear Sir or Madam, We are filing this complaint and ask that you answer the following questions, see enclosed attachments. Please note, we have sent Planet Home Lending a numerous amount of correspondence asking the same questions and have not received your ( Planet Home Lending ) response. Year to date, those questions remain unanswered.
Product: Credit card or prepaid card

On XXXX 2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Debt collection

I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.

2. Failed to provide copy of the original contact bearing my signature.

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Student loan

On XX/XX/2022, I spoke with an account specialist by the name of " XXXX ''. I spoke with this individual on the phone a few days prior. Each time I spoke with this individual, the conversation became more and more cringeworthy. XXXX continued to brag about his success at AES while mentioning he worked there for 11 years numerous times. He also went as far as to argue with me about controversial topics related to the message that AES/PHEAA chooses to leave up on the aessuccess site despite a Federal Judge blocking this from being legal at the present time. XXXX presumed that the message being left up there is beyond his paygrade AND MINE, which I find extremely inappropriate. He then proceeded to claim that in the " 11 years that I've worked here '', maybe only 2 times has misreporting been done where a borrower made a payment at the very last minute causing the misreporting to happen, where he then claimed it was fixed immediately. This is in contradiction to what the previous response in a CFPB complaint was where the responder said they would accurately report to the Credit Bureaus. The fact remains that if XXXX claims this has happened in the past where it would get reported inaccurately, then in no way should people be definitively saying it's reported accurately. Additionally, the responders are also pushing borrowers to make payments " soon '' in what appears to be because it takes them up to 2 business days to process a payment. AES/PHEAA posting the effective date is fine, but they do this once everything is all said and done which may overlap the date when the report is made to the credit bureaus. It seems as though each of their departments have bad communication if they can not even look at borrower accounts to determine if a payment is pending. If they could see that, they shouldn't be reporting anything as being delinquent because it is only delinquent in those days following the scheduled payment due to their timing. 

I had the AES/PHEAA Agent XXXX submit a complaint against XXXX because I didn't appreciate the level of arrogance he had when I asked questions. Instead of him trying to level with me in answering, his responses became more and more confusing, and then when I wasn't understanding his responses, his tone became more hostile and it was as if he did not care how I felt at that point. 

This is the type of customer service that AES/PHEAA should be looking to get rid of once and for all. This is not what borrowers should have to put up with at the end of the day. Borrowers aren't getting paid to deal with this type of absurdity, but these Agents are getting paid to act this way. Frankly, AES/PHEAA should not be just hiring people who want to argue with borrowers. They should be looking into the concerns that are brought forward instead of trying to argue and be unprofessional throughout the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to different reporting agency 's throughout the year of 2022, from XXXX for them to report the correct address and employment,
Product: Checking or savings account

On XX/XX/2023, I was at home when o got an always from my online banking app that my account was low so I checked my account with the online app and I saw a withdrawal from an atm of {$300.00}. I did not make this withdrawal. So I called the Bank of America fraud department and also filed a police report with the north side police station. On XX/XX/2023, the bank temporarily deposited the {$300.00} that was stolen. Then on XX/XX/2023 the bank reversed their decision and stole {$300.00} out of my account without telling me. They said they reversed their decision because the atm was in my jurisdiction ( which is a horrible uninformed decision ) Meanwhile the police have a screen shot of the woman who stole my money. The police know Im innocent and they know someone else is responsible for stealing my money. The bank made the wrong decision and its negligence on their part. Im still trying to get my money back from the bank. There is a police report about the incident where the woman stole {$300.00} out of my checking account somehow. The bank stole {$300.00} out of my checking account and has not given it back.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX  XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a 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 instruction.

also Federal courts recently have issued rulings about the use of a consumer report for the collection an account under the FAIR CREDIT REPORTING ACT ( FCRA ).

These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act. ). In particular, the word " credit '' was defined. As a result of the new definition the position that is being advocated is that a " collection of an account '' is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
According to the recent notice from TRANS UNION federal court rulings have determined that child support payments do not arise from a credit transaction and should not be reported on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Proof of validation was sent out to rmp llc and XXXX XXXX XXXX I believe they are in violation of HIPAA PRIVACY ACT releasing my medical records to a third party agency I request for proof by sending me the HIPAA release form No reply back
Product: Money transfer, virtual currency, or money service

I am a Venmo customer. 

I have been frozen out of my account with no explanation. Just the email below. 

I tried to use online chat and to call. Nobody seems to be able to help or explain why this is happening. There is no appeals process or way to escalate? They wont answer their email either. 

Here is the email : We have recently reviewed your usage of Venmo 's services, as reflected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with Venmo 's User Agreement. As a result, we have placed a permanent limitation on your account. 

We ask that you please remove any and all references to Venmo from your website and social media accounts. 

You may transfer the remaining account balance to your bank account but you will no longer be able to access your Venmo account. 

We thank you in advance for your cooperation. If you have any further questions, please reply to this email. 

Sincerely, Team Venmo
Product: Student loan

I had a loan with a XXXX college in OR state but have been sent to collections because I have had a hard time paying my loans. Recently I missed XXXX non-consecutive loan payments and they are threatening to garnish my wages at XXXX the monthly loan amount. I can hardly ever get ahold of them and when I do, there 's only one lady who I can speak to about it and she is very difficult to deal with. I just want to set up a payment that I can afford. I do n't know where esle to turn. Any help would be greatly appreciated. Thank you.
Product: Checking or savings account

I currently bank with Fifth Third Bank ; on XX/XX/XXXX there was {$4.00} in the account ; on the XX/XX/XXXX I bought a hamburger for {$4.00} at XXXX 's using my 5/3 debit card leaving the account with {$.00}. On XX/XX/XXXX in the morning, I made a mobile deposit of {$630.00}. {$100.00} was immediately available ; I checked my checking account balance and the available balance was {$100.00}. On XX/XX/XXXX there was a payroll deposit of {$1800.00}. I checked my balance and as XX/XX/XXXX these transactions had already posted to my account : deposit of {$630.00}, debit of {$4.00} and debit for {$180.00} leaving me with {$440.00} balance positive ; when I again checked my balance on XX/XX/XXXX, I noticed that there was a credit from my 5/3  cc as overdraft protection for {$100.00} and an overdraft fee of {$12.00} ( because overdraft was activated ). I immediately called 5/3 customer service for an explanation for the overdraft credit from my 5/3cc and the {$12.00} fee. This is what XXXX IN CUSTOMER SERVICE TOLD ME : that although the {$630.00} deposit was accepted XX/XX/XXXX, and {$100.00} was immediately available, there was already a negative balance of {$89.00} because my car insurance payment of {$180.00} was already shown as pending! There was no indication on XX/XX/XXXX that my account was negative! According to XXXX I had until XXXX XX/XX/XXXX to make account positive! I did not even know the account was negative since my on-line balances did not reflect a negative balance ; on XX/XX/XXXX XXXX XXXX 5/3   bank made the remaining {$530.00} from the {$630.00} available debited by 5/3 cc the overdraft and charged the {$12.00} overdraft fee! All this was done without my knowledge and without any indication my account was negative, so I could make provisions to make the balance positive. What 5/3 does is debits first and credits afterward so they can charge overdraft fees!. I thought that was illegal! This is not the first time this has happened with 5/3! I need to know why 5/3 thinks it can get away with these practices! Please advise on results of your investigation. XXXX did waive the {$12.00} fee. My complaint is about 5/3 illegal and unfair practices. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

in a correspondence to the consumer reporting agency in XXXX of XXXX, i requested proof of my consent regarding the following items on my credit report. 
XXXX XXXX XXXX account number XXXX XXXX XXXX Account Number XXXX. 
As if today I have not received ant proof of my consent to this company to share these accounts. Nor was I given the option to opt out, I would like to inform the CFPB that my rights have once again been violated by this consumer reporting agency. 
According to15 U.S.C 6802XXXX Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity before the tome that such information is initially disclosed, to direct that such information to be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, in a correspondence to the consumer reporting agency.
Product: Mortgage

My XX/XX/XXXX property taxes were not paid in a timely manner. I contacted Mr. Cooper ( NationStar ) on or about XX/XX/XXXX about the delay in payment and the fact that fees and penalties were incurred on my account. I was assured that the taxes would be paid. On XX/XX/XXXX, I received an email from Mr. Cooper indicating that my taxes had been paid. Again, on XX/XX/XXXX, I received another email indicating that the second installment of my taxes had been paid. 

On or about XX/XX/XXXX, I received a Notice of Intent to File XXXX from XXXX County indicating that they had not received any tax payments. I email Mr. Cooper on XX/XX/XXXX and received a response and attachment showing that they had sent the payments. I called my county tax commissioner and was again told that they did not receive payment. 

I email Mr. Cooper on XX/XX/XXXX and asked about the non-payment. I received no response from them. I posted a review on the XXXX website on XX/XX/XXXX and a representative from Mr. Cooper emailed me. I was able to speak with a " live '' person and relayed the issues I was having with my tax payments. She ( XXXX XXXX ) stated that the tax check had been " lost in the mail '' and would be resubmitted. I have an escrow account, so there shouldn't have been a problem paying my taxes. Now, I fear that if I don't pay the taxes on my own, I will stand the chance of having a lien placed on my home. 

Mr. Cooper has been an absolute nightmare to deal with and it's not getting any better. As a reference point, I filed for Ch. XXXX bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. I did not reaffirm my mortgage. However, I am still in the home and paying monthly ( on time ). XXXX was the original mortgage holder, but they sold the mortgage to Nationstar in XX/XX/XXXX. They are no reporting my payments and there's no reference to my discharged bankruptcy. 

As an aside, I think the Federal and State governments should consider taking a closer look at Mr. Cooper 's business practices. The vast number of complaints that I observed on XXXX should raise a red flag with banking and financial institutions.
Product: Checking or savings account

I have two issues viz., Chase Bank enjoying float on my funds fraudulently and blocking online access to my spouse 's account without notice under the guise of suspicious activity with seemingly no way of reactivating the same ( details towards the latter part of the message below ... 

I deposited a check in my Checking account with Chase Bank at XXXX XXXX NJ branch on XX/XX/2020. This was for an amount of {$70000.00}. The check was drawn on my own account with XXXX  XXXX XXXX and was intended to payoff a part of my mortgage with Chase Bank. 

The same evening, XX/XX/2020, I got a text from XXXX  XXXX XXXX ascertaining I did issue the check and upon my confirmation, they debited my account. Upon finding the check was not credited in my Chase Bank account even as of XX/XX/2020, I visited the branch and met Service Associate XXXX and explained the situation. I also highlighted Chase Bank appears to be holding my credit and enjoying the float even as they continued to charge me on the Mortgage too - I was unable to make the payment as the funds were showing up on 'hold ' since XX/XX/2020. He referred the matter to the Branch Manager, Ms XXXX. Apart from repeating " This is a Limited Service Branch '' about 5-6 times in 3 minutes, she didn't appear to even understand the issue. She also mentioned I should go to the XXXX XXXX Branch if I needed full-service and that would require an appointment. When I stressed XXXX  XXXX XXXX has confirmed as far back as XX/XX/XXXX they've debited my account, she mentioned the money was " in transit ''. She further mentioned Chase does a lot of checks and they're allowed to " hold '' funds ( my funds ) if they found a deposit was not in keeping with the pattern of prior transactions. In fact, I  pointed to her I didn't make a cash deposit but presented a check from another large bank in the US. 

I started my career in XXXX before getting into XXXX XXXX. To me, this sounds a classic case of the bank enjoying customer 's float in the guise of complying with regulations and cheating the customer. 

I had to even go the route of depositing a physical check because, without any notice, they blocked my wife 's online access ( she's a joint-holder with me on the aforesaid Checking account ). That again hasn't been released since XX/XX/XXXX or XXXX when it was originally blocked. Now, how's this connected. My wife and I prefer online banking as the in-branch service has never been satisfactory. The XXXX  XXXX XXXX account from where I sought to transfer funds is listed as an external bank only through her online access ( Indeed, it's my account, but Chase doesn't allow me to link it to my online access - even though my wife and I are joint holders of the Checking account at Chase ). Earlier this evening, my wife spent more than one hour with the phone-banking executives at Chase who weren't able to unblock her account towards online access. 

I appreciate the Ombudsman 's office looking into this and helping us out. Thank you. 

Regards, ...