23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

An almost XXXX hold was placed on ACH Funds that were confirmed by the sending institution to be received. The card company then told me of my situation and freed {$250.00} of my full {$1000.00} Payment which I was able to use for medical expenses and bills. They refuse to release anymore and say they can't do it even though they did it before. I took a specific medication and had appointments I couldn't pay for because the company decided that they would not do what any major card company can do including what they themselves did for me. My question is how can they say that the funds are still processing when they aren't even pending and when the bank confirmed they received this payment? I had also made payments before with no issues so I'm confused and honestly physically and mentally distressed at the lack of XXXXXXXX XXXX XXXX  practice this bank commits. Whos is gon na pay me for lost time at work, or the stress hurting my condition even more? This company doesn't care and seems like they punish responsible payers for not having interest due to paying off the card.
Product: Mortgage

My mortgage servicer, Arvest Central Mortgage, claims in its most recent statement that I owe {$4400.00} in " XXXX XXXX XXXXt - XXXX XXXX  '' taxes. After speaking with multiple people at Arvest without a resolution, I am filing this complaint. 

I contest that I do not owe these taxes, or a small fraction of them if anything. After speaking with the first Arvest Central Mortgage representative, I called the XXXX XXXX Tax Commissioner who said that I did not owe any XXXX  taxes in XXXX, and that there were no XXXX  tax bills for XXXX ( Arvest claims that the estimated {$4400.00} bill is for XXXX ). 

Looking at all the available XXXX  tax bills for the other units in my condo building, only two appear : parcel numbers XXXX and XXXX. Both owners of these parcels are XXXX XXXX XXXX XXXX XXXX XXXX. NEITHER is me. When you total both XXXX XXXX  tax bills for these two parcels, which again NEITHER ARE MINE, the total is {$4300.00}. Approximately what Arvest is claiming I owe in XXXX  taxes, when I am NOT the owner of these parcels. 

Since my unit is a single condo unit ( # XXXX XXXX in a large complex with both condo owners and renters from XXXX XXXX XXXX XXXX XXXX XXXX, I suspect Arvest has negligently applied the taxes that XXXX XXXX XXXX XXXX XXXX XXXX owes for the master parcel to me. This is grossly negligent, illegal, and predatory. 

As further proof that I owe going forward no, or perhaps very little in taxes, I have attached a photo from my closing documents showing that the prorated XXXX  fees from XX/XX/XXXX until XX/XX/XXXX were XXXX. I believe under the XXXX agreement XXXX XXXX XXXX XXXX XXXX XXXX is paying all such taxes, but if not, I clearly do not owe {$4400.00}. To assume so, as again Arvest has negligently done, my XXXX  taxes would have gone up XXXX IN XXXX YEAR. 

Frankly this error should have never occurred as I own neither parcel number that the XXXX  taxes were attributed to. Also since I received no XXXX  tax bill for XXXX why would Arvest have assumed my tax bill would be {$4300.00} in XXXX? 

It is also worth noting that this tax was " discovered '' by Arvest after I filed a complaint with the CFPB a few days prior in late XXXX. I was correct in that complaint that Arvest illegally and wrongly charged me and many other individuals an erroneous " fax fee ''. I believe Arvest 's repeated pattern in a matter of 10 days of consistent and egregious errors in regards to my account should cause the CFPB to closely investigate Arvest 's practices. It also unfortunately makes me wonder whether or not Arvest illegally tried to take revenge on me by filing the previous complaint by wrongly claiming that I owe the {$4300.00} in XXXX  taxes.
Product: Checking or savings account

On XXXX XXXX, I attempted to establish an independent auto insurance policy with USAA Bank. After not receiving confirmation of my XXXX  month premium payment for XXXX made through the mobile app, I immediately contacted USAA banking center and was transferred to an insurance rep. I learned during the call with the rep. I couldnt have a policy without including my spouse who is a qualifying member. I decided to cancel the transaction that same day and requested the premium payment be refunded to my personal checking account that it was drafted. My spouse is not a joint account holder ; however, after several attempts to get my refund I was told the refund check would only be issued to my husband. I explained to USAA it was my right to my personal financial interests apart from spouse. USAA informed me on XX/XX/23 they will not reissue a refund check in my name and that I should have my spouse sign it over to me. I have an active auto loan in my name only with USAA ; therefore, the same should apply to my checking account.
Product: Mortgage

I am XXXX XXXX XXXX. I have never been given any assistance from Fay servicing or my prior servicer XXXX XXXX XXXX. I have hired multiple companies to assist me and I have been scammed every time. Fay has to know what is going on. I have told them over and over again. I do not understand why I have never been given any assistance out of the many times I have tried. I tried to do it myself and everytime I send in something they would ask for more and more paperwork. It was repetitive and very confusing. They did not make it easy, had no compassion, it was very obvious they did not care. My daughter is now going to be helping me to try and get this resolved. I just need to be given a fair chance. I have a sale date that needs to be postponed in order to do so. XXXX is real and I feel as everything was overlooked and my file has slipped through the cracks due to this.They neglected my file and discriminated against me.
Product: Credit reporting

From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over 10 letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over 10 letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!! 

I need this call escalated to a higher level i need a fix to my problems i need a supervisor to address this issues
Product: Credit card or prepaid card

I hope you're doing well! I'm reaching out because of a dispute that has been challenging to resolve. I have been a Citi customer for years, but they have been incredibly difficult and frustrating to work with on a dispute that has taken 4+ months and counting. I have received contradictory information throughout the process.

I'm not sure who to trust ; the merchant has told me repeatedly that they approve the refund and yet behind the scenes, is telling Citi that they can not. Citi has charged me for this Covid test that I did not receive, despite assurances that they wouldn't. I would really appreciate your help. Below is the relevant documentation and some brief context, as the email exchanges are quite long. 

-- -- I have attached the relevant documents. As brief background, I went to get a paid covid test for {$150.00} on XX/XX/XXXX at XXXX in XXXX XXXX XXXXXXXX. Since, then : - When I reached out to XXXX initially on XX/XX/XXXX, they told me that they processed this refund on XXXX ( " XXXX  refund processing '' ) - When I didn't see anything returned to my Citi credit card, I reached back out to them ; they told me that they do owe me the {$150.00} but are unable to process the refund on their end due to XXXXXXXX XXXX policies and requires the dispute to close in order to do so - I shared this documentation with Citi to resolve the dispute, but Citi closed the dispute in the merchant 's favor - When I called Citi customer service to get more context, they advised that I should never close the dispute and have their team reopen and resolve it ; they advised to get in writing that XXXX approves of the refund and send that in, which I did ( " Proof of refund approval '' ) - Despite reopening this dispute, the dispute was againresolved erroneously in the merchant 's favor ; today, I received a letter from Citi today saying that they are " unable to continue your dispute as we have determined the merchant is unwilling to issue a credit '' ( " Citi denial '' )- I have just sent another email to Citi asking for them to resolve this
Product: Credit reporting or other personal consumer reports

I have noticed that according to the Fair Credit Reporting Act, the list of accounts has violated my federal protected consumer rights to privacy and confidentiality in 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 item of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 a reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reports incorrect derogatory information on my credit reports with payment status as collection/chargeoff. This account was settled by BMW which is the primary creditor. Therefore XXXX XXXX XXXX has no legal standing in this matter. The offices of XXXX XXXX XXXX along with a court appointed mediator settled this case. The final resolution CASE DISMISSED!
Product: Checking or savings account

XXXX XXXX Officer Finicial center assistant mangaer Bank of America XXXX XXXX XXXX XXXX  XXXX ny XXXX Im writing a complaint against XXXX XXXX. I hold a business account with Bank Of America for over XXXX years and Ive been coming to this branch for over a XXXX years. I know all the managers and everyone, but this new manager has always been giving me issues with my account. She said something very nasty to me, and very prejudiced against me. Maybe it was my XXXX star hanging for my neck. Today was the third time shes been very prejudice against me, and I started getting very furious and excited inside the bank for the first time. And XXXX years Ive been there.
Product: Credit reporting or other personal consumer reports

Dear SeedFi, I am writing to address a concerning issue regarding our agreement and the handling of my financial affairs. Upon reviewing our agreement, I have come to realize that there are significant discrepancies and breaches of trust on your part. 

I extended my credit with SeedFi in good faith, expecting that my security would be traded on the secondary stock market as agreed upon. However, it has become evident that SeedFi has failed to perform its duties adequately. I discovered that your organization was relying on the assumption of my incompetence, hoping that I would not notice the waiver of my rights to the security interest. 

Despite my initial oversight, I am now fully aware of the situation and am prepared to take appropriate action. I understand that while I may have waived certain rights, you are still obligated to issue my billing statements. Furthermore, I am competent enough to recognize that I must accept my dividend check at face value and return it to ensure proper balance in the books. 

It is unacceptable for SeedFi 's to tarnish my creditworthiness unjustly. Your actions, including the reporting of late payments, while engaging in security fraud, are egregious and must cease immediately. I remind you of your obligation to adhere to the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which requires financial institutions to adopt reasonable procedures to ensure that consumers receive billing statements. Moreover, under the Uniform Commercial Code ( U.C.C. ), specifically 1-302, any attempt to limit rights and remedies for failure to comply with obligations is unenforceable. Additionally, SeedFi 's failure to send billing statements via certified mail, thereby knowingly committing mail fraud, violates XXXXitle 18 of the United States Code ( U.S.C. ) 1341.

I demand that SeedFi 's rectify the situation promptly. You have 30 days from receipt of this complaint to update my account to " paid as agreed, never late. '' Failure to comply will be considered willful noncompliance, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 1681s-2 ( c ) ( 2 ) ( A ). I will pursue further action, including rescission of the waiver of my righ
ts to the interest and a level 3 forensic audit. 

I expect prompt and decisive action to resolve this matter and prevent any further harm to my financial standing. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple tradeline-credit reports of the same student loan disbursement by two or more loan servicers [ =tradeline reporters ] are unlawful being duplicate reports of one loan by one-and-the-same lender ( here, XXXX XXXX XXXX ). That is, it is unlawful for one lender, XXXX XXXX XXXX, to duplicate credit report the same loan simultaneously through more than one of XXXX XXXX XXXX subordinate/agent loan servicers, here, coincidental credit reports of one loan by both XXXX and XXXX XXXX. The lender for my federal student loans, legally distinct from mere loan servicer, is identified for each of my federal student loans in the XXXX XXXX XXXX XXXX XXXX ( hereinafter, XXXX, respective loan photocopy record pdf attached ). Duplicate loan reports by a single lender, XXXX XXXX XXXX, are unlawful because duplicate loan reports double/more-than-double borrowers credit-reported-debt for each loan duplicated in the borrowers credit report. The borrower is not liable to pay unlawful duplicate-credit-reported debt, but said illegal duplicate report materially adversely impacts said borrowers credit worthiness ( higher interest rates, less favorable loan terms, etc. ), and lowers credit score. In my case, duplicate/triplicate-loan-servicers ( s ) -reported student loan debts make it impossible for me to obtain even minimal new credit from any bank/lender, i.e. despite no adverse credit act in my life, and middle class US-government-paid income, I am denied any new credit. Reproduced below are the duplicate reports by XXXX ( prepayment loan servicer, i.e. no payment was owed to XXXX/no payment was made to XXXX ) and XXXX XXXX ( hereinafter, XXXX, current loan servicer, to which repayment installments are made monthly ) of same disbursement/student loan reported in my most recent, XX/XX/XXXX, XXXX, XXXX and TransUnion ( hereinafter, Credit Reporting Agencies or CRAs ) Credit  Reports : ( See two tradeline pdfs attached from XXXX and XXXX. ) It is evident from these two tradeline-reports within one CRA credit report for the same {$20000.00} student loan disbursement, that my actual legal liability ( now after 76 monthly payments to FEDLOAN ) on said loan is less than {$11000.00} ( 3 payments through XX/XX/XXXX, not shown ). Nonetheless, XXXX, a former servicer/never lender not owed any payment, illegally duplicate reports this one XX/XX/XXXX student loan, so my credit report currently reflects more than {$31000.00} debt for said one loan, more than {$20000.00} of which is XXXX fictitious unlawful duplicate reported debt I do not now/never owed. 
I have repeatedly disputed said unlawful duplicate reporting of my student debt to CRAs and XXXX, to no avail. To date, CRAs temporarily delete XXXX disputed tradeline then illegally reinsert it at XXXX unlawful oft repeated request. As legal lender and principal of both its agents, XXXX and XXXX, XXXX XXXX XXXX obviously bears ultimate legal responsibility for the actions of loan servicers acting in clear violation of federal law for benefit of XXXX XXXX XXXX.
Product: Student loan

I applied for Public Service Loan Forgiveness. The form states that you will be notified on how many qualifying payments you have. The purpose of the program is to help to relieve debt of student loans. I originally made my payments to XXXX XXXX services. I had not received any information from XXXX XXXX   Loans so at the beginning of XXXX I went to make my payment to XXXX XXXX XXXX. XXXX XXXX no longer had my information because my loans had been moved over to XXXX XXXX Loans. I created an account for XXXX XXXX Loans and they did not have any of my loans posted. I made a call to XXXX XXXX   Loans on XX/XX/XXXX and the person on the phone stated to me that I would need to make a payment in XXXX that the loans would not be transferred in time to make a XXXX payment. At this point I still had not received any information from XXXX XXXX Loans. My loans were originally due on the XXXX and XXXX of each month with the total of the loans being {$620.00}. I log into XXXX XXXX  Loans this week and it is showing my loans as delinquent and my payment being $ XXXX dollars. I called them again to try to find out what was going on with the loan and why I was told that XXXX would not be due, yet now I am showing as delinquent and they have raised my payment amount without informing me. They said they would do an administrative forbearance and set it up for it to be due in XXXX but the interest would still accrue and that my payment would be more. I explained to them that the whole purpose of me applying for public service loan forgiveness was to owe less not more and that I certainly couldn't afford a higher payment. I said that I was never informed of qualifying or not qualifying for the program that they simply moved my account without informing me of a rise in payment. They went on to tell me that none of the payments I have been making were qualifying payments and that they would have to set me up on a higher payment. I said, " Had anyone told me that was how the program worked I would have simply stayed with the payment plan I already had. '' Additionally, they have not corrected the payment to be made in XXXX so my account is still showing as delinquent. I brought this to their attention today with a phone call and they said they did not have any record of the administrative forbearance at this time.
Product: Vehicle loan or lease

The new customer portal they have released ONLY allows for you to pay your bill. This isn't drastically different from the lack of information provided in the previous portal. There is not an option to see a message center for documents that Flagship Credit Acceptance has sent, statements from previous bills that show exactly where your money is going, nor does Flagship allow you to view the total amount made to principal vs interest anywhere on the website or statement. Statements also lacked basic information like APR. I also tried using the chatbot which is strictly a rebot with no real support. The chatbot asks for an 11 digit account number but the acount numbers are 17 digits and doesn't recognize the account number I provide. The links in emails that contain statements redirect to a 404 page not found webpage. As a business, I thought they would at least test customer resource options prior to releasing a new customer portal. I'd simply like to see a full detailed payment history since the start of my loan but I have no luck with obtaining this information.
Product: Vehicle loan or lease

In XX/XX/2020 I financed a XXXX car through Bridgecrest. Once the financing was approved and completed and the car was delivered and I was able to set up and log in to the site to schedule my first Bridgecrest payment. It was only then that I discovered that there was no information about my loan on the site other than the amount of money I paid and the date it was withdrawn from my account. There was no a ) current balance b ) interest rate c ) applied principal v. interest d ) fees, tax, other misc. charge info XXXX ) proof of GAP coverage financed, etc. 
Again, the only information available was the amount of payment and the dates I've paid them. I have never seen anything like this from a loan company before so I reached out to find out where I could retrieve this information each month when I make my payment. Unfortunately, so far, I have never been given any alternative options to learn what happens to the payments I am making, how they are applied, or what they are applied to. Instead I am confronted with more questions. 
Isn't transparency and full disclosure required by financial institutions in the U.S.? 
My hope is to compel Bridgecrest to provide all customers with consistent, complete, and reliable information on the status of each loan to every customer. If this is not already a legal requirement by all financial institutions it certainly should be.
Product: Credit reporting or other personal consumer reports

I paid off my XXXX  auto loan an the account is still reporting a balance
Product: Checking or savings account

On XX/XX/20 I initiated a one-time {$800.00} deposit into my Credit Karma savings account from my bank account. 

On XX/XX/20 Credit Karma transfers the {$800.00} and then initiates three more transfers for {$800.00} totaling {$2400.00}. Credit Karma then returns {$800.00}. Now I'm missing {$1600.00}. It's not in my bank account and it's not in my Credit Karma account. 

My Bank, XXXX XXXX XXXX XXXX told me I need to contact Credit Karma and that each {$800.00} transfer is its own line item, not multiple attempts to process the same transaction. 

Credit Karma does not have a listed customer support phone number, but they do have a help desk. On XX/XX/20, I submitted three incident reports asking for help. I have received no response. I realize they may need more time to reply, but any credit they issue will require 2-3 days to process. I'm nearing the end of the month and my account is now in the negative. 

I found a phone number on my statement summary. It is just a recording asking the customer to leave a detailed message about the issue. I left a message.
Product: Debt collection

WELLS FARGO BANK XXXX Status current I owe {$0.00} Date opened XX/XX/2016 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a dispute because this account is not mine. Equifax says they " verified '' the account but obviously, they have not. They are intentionally allowing inaccurate information on my credit profile against FCRA. The account is XXXX XXXX XXXX, my report dated XX/XX/XXXX Confirmation # : XXXX states that this account was opened on XX/XX/XXXX but has the date of first delinquency ( DOFD ) as XX/XX/XXXX. How can there be a payment delinquency ( DOFD ) BEFORE the DATE OF OPENING? This is irresponsible reporting by Equifax and they are violating FCRA by reporting inaccurate data on my report causing distress to my credit profile.