23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My wife and I applied for loans on XXXX with Climb Credit. They approved my wife and had her co-sign on my loan for approval.We started at our XXXX ... XXXX on XXXX, and right away we knew they did not live by their motto. They said they would be with us every step of the way. We contacted Climb to ask about switching schools, switching classes, starting over etc ... any possibilities because we left our jobs and took out XXXX in loans. They said they would get back to us the next day ... we never heard back from them. I sent a couple emails out asking about the possibilities and never heard anything until XXXX when an email was received that we had been withdrawn. I immediately called and no one could help right away. The fact is we never withdrew ... We never signed any papers stating we wanted to withdraw .... They never spoke with XXXX..EVER ... they took a payment that should not have been withdrawn from our bank account. XXXX said they initiated the withdrawal until we mentioned CFPB and attorney and they quickly stated Climb initiated it. We are filing a separate order against XXXX. They lied and said because of attendance. We missed 2 days at the time they initiated the withdrawal. We left our jobs, we have lost wages, maxed our credit cards so we can try to maintain our dream of schooling, and now we are expected to pay Climb back for the portion Climb took out of the loan .... No one has ever heard of a school withdrawing anyone on someone else 's word. Please help
Product: Mortgage

My loan is greater than five years old and I have greater than 25 % equity in the property. As such, I no longer need to pay Private Mortage Insurance. I have informed Nationstar of this fact and they just drag their feet in responding to my questions. They are making me use one of their appraisers at XXXX the cost of one I can easily find. My appraiser is licensed, just like theirs. 

More importantly, they do not return phone calls and/or do not respond to emails at all. When I call in, I either get transferred all over the place or I am put on hold for an extremely long period of time. Today someone called me, I gave them my information, and they hung up on me. Nobody will answer my questions about how to remove PMI from my monthly payment, nor will they answer questions about what appraiser they use in my state ( CA ). If I am forced to get an appraisal, I should be able to sue any licensed appraiser I want. Not one of theirs who will price-gouge me. I think Nationstar Mortgage is dragging their feet because they have no incentive to eliminate my PMI ( less money for them ).
Product: Debt collection

Capital one XXXX XXXX XXXX  the account was not opened by me it is considered indentity theft credit card account opened without my consent
Product: Bank account or service

My eight years account with Bank of America was subjected to a monthly maintenance fees of {$12.00} per month since last year XXXX XXXX without any prior NOTICE/INFORMATION or explanation from the bank. When I called the bank for explanation and refund i was told by XXXX of the bank official that I have to maintain a direct deposit of at least {$250.00} or a minimum balance of certain amount. I informed the bank that even during this period of review XXXX XXXX XXXX, XXXX there were instances of irregularity, that is situations where I had a single direct deposit of over {$250.00} into the account and my account was still subjected to this illegal {$12.00} service fees. 
The bank will not refund my money when I asked for a refund despite the fact that I was not informed of any changes or the existence of such fees since my banking with the bank for the past 8years.
Product: Mortgage

To Supervisor, I wish to make a complaint regarding the case managment of XXXX XXXX. I would like to bring to the attention that Mr. XXXX failed to properly communicate with me and my representative. I received the following calls from Mr. XXXX   : 1. XX/XX/, 2019 at XXXX XXXX. He left voice mail. 
2. XX/XX/, 2019 at XXXX XXXX. We spoke briefly and I asked him to call back at noon. 
3. XXXX XXXX, 2019 at XXXX XXXX. He left voice mail. 
4. XX/XX/, 2019 at XXXX XXXX. I left voice message for a return call. His voice message indicated a return call within 24 hours. 
5. XX/XX/, 2019 at XXXX XXXX. I left another voice messsage for return call. 

Due to not returning my calls and the importance of my issues, I reached out to my representive from XXXX who began making calls to Mr. XXXX on my behalf. I am sure she made notes on the date and time. She left several messages. There was even a little joke on when Mr. XXXX was going to return her call. She said " watch, he is going to call her when he is about to walk out the door ''. Later that day, I forgot what day it was, be Mr. XXXX, sure enough, called at XXXX. According to his outgoing voice message, he gets off at XXXX. Having dealt with sneaky tactics by Chase for years, I could only shack my head. 

At the time, I needed to speak directly with him. Having worked in an environment where I need to stay on top of clients and files, I know that a supervisor needs to be notified when there is a failure to meet expectations. I expected a phone call to verbally answer questions. I did not get that. Nor did my representative.
Product: Debt collection

I sent a debt validation letter by certified mail to debt collection agency Frost-Arnett I'm XXXX, TN. It was signed for on XX/XX/XXXX by a XXXX XXXX. In this letter I had asked them to not contact me until they could provide this validation, which is also a federal law. I have since received multiple phone calls in attempt to collect the debt- all of which were forwarded to my cell phone through my employer. This means they have not only violated federal law by contacting me after they were asked not to, but they have also been contacting my place of employment after being asked not to. Phone calls have taken place on the following dates and times : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XXXX XXXX @ XXXX I have yet to see a letter confirming validation of this debt as well.
Product: Debt collection

On XX/XX/XXXX, I went to my bank XXXX to withdraw money. I was informed a writ judgement was placed on my account and my children account. I was given a telephone number to call XXXX XXXX XXXX  XXXX XXXX XXXX. I called and have been calling. I spoke with XXXX XXXX today XX/XX/XXXX. I told him I spoke to a representative at XXXX XXXX bank XXXX XXXX @ XXXX. XXXX used my date of birth and social security number to search for a default on a loan or credit card in my name. XXXX could not find any account with my information on it. I do not owe XXXX XXXX. XXXX told me I do owe and I Should not be calling XXXX XXXX because he represent XXXX XXXX bank. Which I do not owe. XXXX XXXX advised me the judgement is from River Heights Capital LLC Today.Which company is it? This do not make good sense. XXXX XXXX also told me I am being sued for {$12000.00}. I filed a police report for identity theft because, I do not owe none of the above. I want my money back from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX is doing a false claim against me. I have a right to ask questions about anything concerning me and my finances.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : NATIONAL CREDIT SYSTEM Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number XXXX for my mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date.

This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite the passage of time, Equifax has failed to respond to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report is as follows : XXXX  XXXX Opened : XXXX. XXXX, XXXX XXXX : {$260.00} The above account was never late, and I kindly request Equifax to correct/update this inaccurate information on my credit report. 

Furthermore, the following accounts are not mine, and I request their removal from my credit report : XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$2800.00} XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$710.00} XXXX XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$8500.00} XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3500.00} XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$770.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$100.00} Original Creditor : XXXX XXXX  XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX I call Citi Bank to close the account. I was instructed that it would take many weeks for a check with my money to come so it might be best to externally transfer the money to another bank so it is quicker. I agree. XX/XX/XXXX I processed a XXXX dollar external transfer to my XXXX XXXX. The following business day I try to take the rest of my money from Citi bank which is just over 5000 dollars by process another external transfer. I recieve an error message that I have reached the daily limit. This should not be the case since it is a new business day. I try again on Tuesday XX/XX/XXXX after the XXXX XXXX and still recieve the same message. I call Citi Bank and per usual are unable to help me. Despite my first external transfer being labelled as in process, the representative on the phone states that it is not in fact in process but has not gone through on their end. That is an unacceptab le discrpency. I have had previous issues with Citi Bank and so I reached out to XXXX XXXX from the executive branch who was very helpful with my last concerns. I have called twice now, once on Friday XX/XX/XXXX and once again today XX/XX/XXXX. Both times she was unavailable and I left a message. A Citi inquiry was initiated on Friday XX/XX/XXXX but with a resolution by XX/XX/XXXX. This timeline is unaccetable to me because my money has been held in Citi Bank for too long and each time I attempt to do anything with Citi Bank there is a error message or mistake on their end. A simple external transfer they can not process correctly or even tell me that there is an issue on their end. I am filing this complaint because if my prior working with Citi they would have me transferred all over on the phone and never resolve my issue. I am not waiting weeks and month this time for me to realize something is wrong and to then reach out. Something is wrong now and I want a resolution right now. I want my money out of Citi Bank immediately and into my hand or bank account ASAP and then to close Citi Bank and never deal with this bank again.
Product: Money transfer, virtual currency, or money service

Im filing this complaint against Cash App ( Block , inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ) specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX  and Equifax refuse to even allow an dispute of an incorrect collections on my credit report. The collection company has not only posted an invalid debt on my report, but has inflated the original amount owed by over 344 % in direct violation of the Fair Debt Collection Practices Act. XXXX was the only credit company to act quickly and remove it within a week. 

Equifax continues to state " I cant be verified '' and refuses to let me submit a dispute even though I have my most up to date credit report from them in front of me. Even their " Web email '' doesnt work XXXX   refuses to allow customers to submit their dispute online and wont even pick up the phone when called. 

I also attempted to submit a dispute through XXXX XXXX and received notification today that there was a " technical '' error and my dispute did not go through to XXXX
Product: Credit card

Hi my name is XXXX XXXX XXXX and I am creating this complaint today to address the accounts repairing to my profile that are unauthorized without my consent. These accounts are negatively impacting my credit score and hurting my name. I have tried to contact all three credit bureaus to remove these accounts and I am placed on hold for hours. They do not respect me and I am doing my best. Now I am frustrated here. I need these removed! And blocked from my credit profile PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a complaint on XX/XX/2022 with CFPB. Company responded on XX/XX/2022. In the response company stated that they will submit documentation to credit bureaus to delete from credit reports. As of XX/XX/2022 company is still reporting negative information on my credit reports.
Product: Checking or savings account

On XX/XX/, an unknown unauthorized person withdrew {$10000.00} from my XXXX XXXX  account and opened an account online at a Citibank. On XXXX XXXX XXXXXX/XX/XXXX discovered the fraudulent transaction and reported it ( with great difficulty ). I followed the bank procedure and had my account frozen. It was determined to be fraud and my money was returned a few days later. 

I have tried to reach someone at Citibank to report that the account opened is fraudulent. The Citibank automated customer service line will not connect me with anyone who can help me. On XXXX XXXX XXXX  my husband and I went to the local branch of Citibank and spoke to a manager. I had an ATM card from Citibank I had received in the mail but no other details about what happened. The manager made a phone call and pulled up a screen showing us the details of the account that had been opened in my name, with my address, with funds from my XXXX account and my social security number. The account was opened on XX/XX/ and on XXXX XXXX XXXX  the thief transferred out {$9900.00}. I did not think to ask for a copy of the details of the transactions such as routing numbers or anything that might help the police or the FBI to catch the person. The manager told us she would close the account and report it as fraud. She said I would get an affidavit of fraud in the mail that I would need to sign and return. So far, I have received nothing. I have no evidence that the Citibank was marked fraudulent nor that it was closed. I can not reach anyone through their customer service line and they have, much like XXXX XXXX, flat out refused to give me a mailing address where I can direct my request. The manager of the local Citibank branch does not return my phone calls. 

I have filed and identity theft report with the FTC. I also filed a limited fraud complaint with the FTC but I have no details about the account to include in the report since I dont have any. I filed a police report as well but since there are no transaction details there is little they can do. 

Both of these banks are very difficult to communicate with because neither of them seems to have a mailing address where they can be reached. Someone needs to stop this behavior and make it easier for ID theft victims to document the case.
Product: Debt collection

On  X/XX/2017    I cent via certified mail a letter stating that I was disputing the debt that Credit International Corporation claimed that I owed. They received my letter on   XXXX   and signed for it. I have proof of delivery and signature in my possession. After they received my request to dispute the dept they made absolutely no attempt to verify the debt and they also failed to report to the credit reporting agencies that this item was being disputed within the  XXXX  day window. I received a new credit report on the  XXXX  day and it showed no reporting of the mentioned debt/account being disputed by consumer.     As per FC RA 623 ( a ) ( 3 ) - responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]   They have violated federal law and I have evidence of such, via certified mail receipts. They must removed the inaccurate information from my credit reports.
Product: Credit card or prepaid card

Synchrony Bank has closed the following credit cards even though I have a perfect payment record with all the issued bank cards. 

In the past year they have closed the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In the past 6 months they have lowed the credit amounts on : XXXX XXXX XXXX XXXX  XXXX XXXX I have a proven credit history with this bank. I have never missed a payment. I have notified them of misinformation on the letters they send for closing the accounts, ( i.e. not enough paid on real estate, inaccurate credit score etc. ). I have followed all the steps the representatives gave me to remedy the situation and still no resolution. 

Unfortunately I have stopped shopping at these stores which affects their business. I am asking Synchrony to be fair and honest in their consumer decision making. These account closures have negatively affected my credit due to the closures. I worked so hard, payed my bills to have a good credit score. Synchrony is using unfair credit practices which is resulting in consumers being financially penalized for great payment histories.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The folowing accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. In Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

these account 's on my credit belong 's to some one else XXXX XXXX XXXX XXXX   XXXX Status Open Balance {$520.00} Type Collection XXXX XXXX XXXX   XXXX Status Open Balance {$2100.00} Type Collection Pa XXXX XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX Status Closed Balance {$770.00} Type Credit Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$88.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late