23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report from Equifax, XXXX XXXX XXXX and after reviewing these reports I noticed that the reports were unfair and inaccurate. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system dependent upon my consumer report being fair and accurate. I was never notified by XXXX, Equifax or XXXX when this inaccurate information was furnished, I was never notified that you were going to report this information. Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companies ' procedures and if this information is not removed, I no longer want my information reported in your database.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is powerless elaborate mechanism. This mishap that your company has caused ruined my reputation, and it adversely affected my creditworthiness. Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumed this role. You were not given permission by me XXXX XXXX, the consumer or a competent court or jurisdiction to report any information on my consumer report. 
Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. The alleged transactions that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report, which means it should not be included on my consumer report and is in fact a violation of my consumer rights.
Product: Mortgage

We were constantly trying to find out what the problem with our loan. Why it was taking so long and we could not get updates. I spoke with the loan officer and notified her our lock was about to expire. She said they would take care of that. We were wanting to buy a point. I finally ask for her boss, who was rude to me! We were told we were going to close in XXXX. That didnt happen. We were then notified we would have to get another appraisal but they would pay for it. I notified customer service and got XXXX XXXX who said she would look into this. Well we show up for closing and no pkg. The closing agent let me see Closing Statement. We closed on XX/XX/02 and I just got to pick up the closing statement no closing papers.. we could have them on Friday. Today is Monday the XXXX and I just now got the closing statement and check for {$1400.00}. We were lied to.
Product: Credit card or prepaid card

Good evening, I received a correspondence that my account was past due, to my surprise! This credit card was paid off in full. I contacted customer service to inquire about what was past due ( interest/late fee ), I requested that the late fee and interest charges be credited since the balance reflected was paid in full. I would like the charges credited to my account. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX OF XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Lenders misleading borrowers and failing to carry out their instructions for refinancing : Refinancing or consolidating federal loans through a private lender results in the loss of important federal protections. CFPB examiners found that lenders gave misleading impressions that borrowers who refinance might not lose access to federal loan cancellation programs. Lenders also failed to re-amortize consolidated loans following borrowers requests to exclude federal loans. 
Private lenders deceiving borrowers or denying benefits : Supervision found that lenders unfairly denied discharge applications for borrowers who were eligible based on XXXX XXXX XXXX XXXXXXXX status. Lenders also inaccurately claimed certain borrowers were ineligible for autopay discounts or falsely advertised to borrowers that they could suspend their loan payments if they lost their job but later eliminated this benefit. 
Servicers failing to address claims related to school misconduct : Many private student loans made directly by schools include provisions allowing borrowers to challenge their loans due to school misconduct, regardless of who holds the loans. CFPB examiners found that servicers misled borrowers about their right to challenge their loans and failed to properly consider most borrowers challenges to their loans based on school misconduct. The CFPB directed the entities to create robust systems for evaluating borrowers claims of school misconduct. 
Servicers distributing contracts allowing illegal collection tactics : CFPB supervision uncovered institutional loan contracts with provisions that would allow schools to illegally withhold students academic transcripts or access to classes and other education services in the case of default. Some servicers also falsely threatened students with legal action. 
Federal loan servicers harming borrowers during return to repayment : CFPB supervision observed that federal loan servicers failed to provide, for extended time periods, adequate ways for borrowers to manage key loan issues by phone. Servicers also issued deceptive billing statements with incorrect payment amounts and due dates, and debited unauthorized amounts. Significantly, examiners also uncovered numerous problems with how servicers processed borrowers applications for income-driven repayment plans.
Product: Credit reporting or other personal consumer reports

according to the law 15 U.S. Code 1681c2 - Block of information resulting from identity theft consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency also according to the law According to my records on this account, your company is reporting errors on my credit report. You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. 15 U.S. Code 1666b states the following. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. You MUST remove any late payments from my credit report please delete all negative accounts immediately
Product: Money transfer, virtual currency, or money service

We wired in XXXX XXXX Dollars ( {$90000.00} ) to Coinbase via Wire Transfer with a Confirmed Receipt the Same day. 

Subsequent to that time no Funds have been deposited or credited by Coinbase to our account. The funds and either missing, stolen, or in some kind of limbo with Coinbase. 

We have attempted to contact Customer Support by Email and Phone more than two dozen times. The only response received have been Automated replies. We have requested return of the funds or credit for the funds. 

We have kept meticulous records of our contact including emails, calls, and non responses by Coinbase. 

It was only after the fact that our funds went missing that we read online that this same scenario is happening to dozens of people.
Product: Checking or savings account

US Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX We have had a Partnership CD and checking account with US Bank since XX/XX/XXXX. As of XX/XX/XXXX the Real Estate Partnership has been broken up and the " Security Deposits '' for our tenants must be dealt with. 

The CD was rolled over on XX/XX/XXXX for a period of 11 months ( @ the rate of .005 % ) and has been rolled over for many years. With the partnership breaking up the CD must be terminated and the deposits rolled into the new owners account. On XX/XX/XXXX, I ( XXXX XXXX ) went to the bank to terminate this CD. This CD generates approx. {$34.00} per month in interest. The penalty the bank wishes to charge is {$270.00} plus a {$25.00} fee. 

The total amount earned for 7 months would be approx. XXXX. Is it legal to take away principle as part of an early withdrawal fee??? 

We all know that dealing with the Stocks Market your principle is at risk, but never thought nor was it ever disclosed that principle is at risk with a CD insured by the FDIC. 

Thank you, XXXX XXXX
Product: Checking or savings account

XX/XX/2020 I was told to contact Citibank in regards to activity on my account, I verified all of that and then they said my account was good because all of the transactions were mine. Next day XX/XX/2020 I go to the store to purchase items for my household and declined, cant access online account, so I call them. Several times each time my call disconnected at the same exact time it said my wait time would be. For example, your wait time is 65 minutes and my call will disconnect at 64:44 minutes. This happened 5 times. Each time over 20 minutes waiting. Twice over an hour. All I wanted was to unlock my card because the transactions were me couldnt even get things for my children or put gas in my car because they are holding my money. It is a hard situation with everything going on in the world right now. I just imagine being stranded had this happened I wouldve been left for dead. They havent made any attempts to reach me since this has occurred.
Product: Credit card or prepaid card

I have a Capital One Credit Card and Ive a few problems. 

First, when I made my first monthly payment, it took approximately 5 days to take from my checking account, as there was an option to take from my debit card. 

It took too long, I didnt have the money in checking account for my monthly payment, and it bounced back, and I was charged with XXXX {$25.00} return fees. 

The next month I was charged a past due few of {$25.00}, interest in the amount of {$6.00}. 

The following month a past due few of {$35.00} was charged, and an interest fee for {$7.00}. 

The next month, another {$35.00} past due fee and an {$8.00} interest fee charge. 

Thats over {$100.00} in fees. I dont think thats fair at all. 

I called the company and they told me if I paid the balance on the card they would see about crediting the fees, and thats not acceptable as a consumer.
Product: Credit card

I reported a series of unauthorized transactions of cash advances through XXXX for a total of {$1100.00} that occurred in XX/XX/2023. First, this transactions were notified as unauthorized when it happened and the credit Card company closed the credit card ending in XXXX and issued the current card ending in XXXX. However, the company did not do anything about the dispute for over a month. After waiting for several weeks after no action, I had to call the company again, and that was when they acknowledge receiving the complaint of unauthorized transactions but did not do anything. I felt so disappointed by their actions and lack of concern over such a significant matter. Eventually, the claim was filed and a temporary credit was issued while the investigation was carried out. I was not surprised when they came back late last month in XXXX stating that they took the side of the merchant, XXXX, that the goods and services purchased were received. This is a total contrast to the issues- first, no goods or services was purchased, and I never received anything. I have no contact or knowledge of those the transactions was made to, and it was not even a purchase but what appeared to be a cash advance transaction. I am disturbed thinking what type of investigation was carried out. Taking to the side of XXXX clearly confirms their disinterest to protect a consumer in the case of unauthorized transactions ( see attached the letter I got in the mail today ).
Product: Credit card

This is a new and second complaint with a bank that has reduced my credit card limit to punish me for having a dormant account. I received an alert from my XXXX account that Synchrony Bank has reduced my credit limit for my JCPenney credit card. My JCP card is dormant. I have never been late or delinquent with any of my credit cards. I had a Credit Score of XXXX but it was reduced because of having my limit reduced by XXXX XXXX On XX/XX/2023, I filed complaint # XXXX because XXXX XXXX reduced my credit limit on my XXXX XXXX credit card even though it was dormant. When I used my XXXX XXXX card, I was never late or delinquent. When XXXX XXXX reduced my XXXX XXXX credit card limit for no reason other than the credit card was dormant, my Credit Score was reduced to XXXX. Now, Synchrony Bank has reduced my credit limit on my JCP credit card only to punish me for not using their card. The same thing is happening. I do not deserve to have my Credit Score of XXXX reduced because of the card being dormant. No warning from Synchrony Bank was given. Neither XXXXXXXX XXXX nor Synchrony Bank should be allowed such discriminatory practices.
Product: Credit reporting or other personal consumer reports

Starting on XX/XX/XXXX I sent dispute letters to the 3 bureaus ( XXXX, XXXX and Transunion ) disputing the late payment on the Closed account with XXXXXXXX XXXX. 

Payments status reflects CURRENT on XXXX and also on Transunion but on XXXX it is reflecting that I have been 180 Days late on a CLOSED account that has been paid in FULL and has a XXXX balance. 
I have submitted more dispute letters in XXXX XXXX and just recently today XX/XX/XXXX I have received no response and clearly this is not reporting accurately. According to the F.C.R.A any item or items that are not reporting correctly should be deleted.
Product: Mortgage

I ( Member # : XXXX ) have been trying to work through penfed member services regarding my Home Equity Line of Credit account. I made a check payment on a void check of {$950.00} on XX/XX/XXXX. I called customer service on XX/XX/XXXX as the check recipient told me that payment bounced due to insufficient funds. I paid {$950.00} using my other bank account in the hope that this void check wo n't clear. I also sent an email on XX/XX/XXXX in this regard with no response till now. After multiple calls to the penfed member services, someone sent me the stop payment document on XX/XX/XXXX. I sent the completed stop document form on XX/XX/XXXX. I was told by the member service rep that I will get my money back. I was also appalled by the lack of call information being stored in your company systems. Unless a rep notates on an account, there is no record of prior calls. So, a penfed member has to tell the same story multiple times ( in my case 7-8 times ). 

I called back penfed services again on XX/XX/XXXX and was forwarded to the supervisor XXXX XXXX. She told me that money is out from my account and she can not do anything about this. I told her multiple times that why this was not brought during my first call with penfed on XX/XX/XXXX when I brought this issue. XXXX should have advised me for stop payment on the first call and protect me as a customer. Now, I 'm out of {$950.00} with no recourse. If I was given right information on the first call, I would have done stop payment on this check. 

I called back XXXX again in XX/XX/XXXX and spoke to XXXX. She mentioned that she was able to get hold of XXXX  XXXX ( bank that cashed void check of {$950.00} ) and  she is going to file a dispute for {$90.00}. I called back in XX/XX/XXXX and penfed could not find in their records any conversation I had with XXXX. My call was handled by another customer service supervisor and she told me that she will get me the copy of the void check. I have not gotten anything yet. 

I 'm a bit disappointed by the lack of knowledge and call resolution by the member services team in this case. I would request you to add {$950.00} back to my account since this was due to lack of help and support from penfed customer service. I count on my bank to protect me and advise me the right way. 

Thanks for your attention.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally address ongoing issues regarding the repayment process with Gentry Finance, specifically concerning interactions with an employee named " XXXX. '' Despite our efforts to fulfill my financial obligations, I have encountered numerous obstacles created by XXXX. These tactics, including harassment, coercion, and potential violations of the Fair Credit Reporting Act ( FCRA ), have significantly impeded my ability to fulfill my repayment commitments. 
Despite informing Gentry Finance that personal calls at my workplace are prohibited, they have persistently attempted to contact me there, disregarding my requests to cease communication through XXXX XXXX. Additionally, on XX/XX/23, I entered into an Authorization Agreement for Pre-Authorized Payments, granting permission for bi-weekly deductions from my checking account on the Friday I receive my employers paycheck. However, Gentry Finance has since refused to process payments according to this agreement, citing banking audits by XXXX XXXX  as justification. Gentry Finance made multiple attempts to deduct the payments a day before the due date causing payments to be returned. 
During recent interactions, XXXX 's conduct has been particularly concerning. She has made inappropriate comments, such as insisting I visit the office to make payments, despite our stated inability to do so, and using derogatory and condescending language when addressing my concerns. When my son made a payment in-person he reiterated my request to cease phone calls at my place of employment and was told tell your mom to make her payments on time then. Additionally, during a phone conversation in XXXX, XXXX provided false information and made threats regarding property XXXX without proper legal procedure. 
The use of such coercive and unethical tactics by Gentry Finance and its employees not only violates my rights as debtor but also poses a threat to public well-being. I request immediate action to rectify these issues and ensure future interactions adhere to legal and ethical standards. A copy of this complaint has also been sent to the Utah Attorney General Office to investigate the concerning tactics the business uses to collect a debt. 
Sincerely, XXXX XXXX
Product: Debt collection

IC System, a collections agency, has continued to contact me despite the fact that I am not past due on any debt assigned to them. I was incorrectly refered me to them about installment debt that was paid. I have informed IC System of this and demanded that they cease and desist all communications regarding this matter.
Product: Mortgage

House is scheduled for foreclosure sale next month XXXX/XXXX/2016, attempts have been made to resolve the problems with the current Servicer " agent '' acting as an XXXX entity called " XXXX XXXX XXXX - XXXX '' to avoid foreclosure but they simply refused to cooperate and follow Federal and State laws when a borrower is attempting to obtain alternative options to foreclosure. 
Since the Servicing Transfer from the prior Servicer, " FCI Lender Services , Inc. ( the current Servicer for XXXX XXXX XXXX XXXX, XXXX XXXX have never attempted to resolve the debt, make any attempts to evaluate for potential resolution, restructure or otherwise work with the homeowner and/or provide foreclosure alternative options. We have not been given the opportunity to be reviewed for the XXXX program or other loss mitigation alternatives and without any " Reasonable Efforts '' from the Servicer or it 's assigned agent or the Investor 's in an attempt to provide us with viable options. Under XXXX XXXX XXXX ( XXXX of XXXX Regulations ) XXXX ( b ) ( XXXX ), the servicer MUST properly evaluate loss mitigation applications by providing accurate information regarding loss mitigation options available to the borrower and ensuring that a timely review is made of said request/application. The procedures must also comply with XXXX XXXX XXXX. 
The referral to foreclosure action has been made illegally based on violation of the XXXX Program, Federal and State laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company DYCK ONeal Inc, XXXX XXXX XXXX, XXXX, TX XXXX is reporting a fraudulent account to my XXXX  Report.The information their reporting as an account in the amount of {$170.00}. Ive never obtained any goods or services from this company. They submitted a document from a company called XXXX XXXX with inaccurate and incorrect information about me, like my place of employment, address, bank account and goods I never received. Im not certain how they obtain some of my information like my social security number and date of birth. Somehow they were able to create a false document and place it on my credit report as an account. This document doesnt have my handwritten signature anywhere on it. I have filed 2 police reports and sent them to XXXX  who has refuse to remove and block this fraudulent account.
Product: Checking or savings account

I have been banking with navy federal since XXXX I have had their optional overdraft protection on my checking account since XXXX. There has been many instances where I have been purchased something and my account had enough funds at that time but once the transaction posted the funds are gone so they take from overdraft and Im charged {$20.00}. I have been charged several times when I shouldnt have been.