23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

CalAtlantic is the most incompetent group of people have I ever dealt with and despite being six months aft er closing I am still hassling once a week with their mistakes and incompetence. During our  XXXX   XXXX  closing, we paid dues to our master association of {$150.00} and a capital contribution to the master HOA of {$500.00}. The closing statement also shows {$620.00} paid for  XXXX   XXXX   XXXX ,  2017  dues to the local association and a capital contribution of {$150.00}.     None of those amounts have been properly distributed to the proper HOAs. The master association has received none of the money. The local association received {$650.00} of the {$770.00} we paid but it 's not clear what that was for. There is a likelihood that CalAtlantic should pay {$150.00} to the master but no body knows.     They are refusing to answer the questions to both myself and to the various associations. Maybe they intend to keep the money, which would n't surprise. It 's amazing this group of complete incompetents can continue to operate.
Product: Vehicle loan or lease

My brother passed away in XX/XX/XXXX since then dealing with this company has been a headache to say the least. Recently, I realized that after finalization of the loan XXXX checks were issued due to over payment. I have contact Bridgecrest on numerous occasions to have this resolved, to date they have yet to rectify the issue. 

I contacted bridgecrest in mid XXXX to advise them of reissuing check to address the payee as they were issued under my brother 's name. My brother was deceased at the time of loan closeout and repayment. I obtained a loan in my name to clear his debt. 

XX/XX/XXXX - checks were reissued to the estate of XXXX XXXX XXXX- I contacted bridgecrest to advise that XXXX does not have an estate and the checks needed to be reissued in my name. 
XXXX - Contacted bridgecrest again, as I had not received the reissued checks. Representative I spoke to stated that checks had been mailed out XX/XX/XXXX and to allow 7-10 business days for arrival. 
XX/XX/XXXX - contacted bridgecrest on 10th business day as I had not received checks. Representative advised me that the rep from XXXX had provided misinformation and the checks had not in fact been reissued. Rep also stated the earliest reissue would be in 10-15 business days. 

This issue has been on going for 2 months with multiple phone calls and no resolution. Each calls seems to have me looped and asking me to wait more time on something that could have easily been resolved on XX/XX/XXXX.
Product: Checking or savings account

On Sunday XX/XX/year>, I made several transfers to XXXX through XXXX, an app that does transfers. The maximum limit per transaction is {$1000.00} so I have to do multiple transactions. I did the first XXXX for {$1000.00} and it went through. I did a second one for {$900.00}, and the app rejected it. I received a text message alert from Bank of America indicating that the transaction had been blocked. I responded back to the text that it wasnt a fraudulent transaction. The {$900.00} was deducted from my account, but not sent. I went into the XXXX app, and sent {$900.00} again, and it went through. When I logged into my Bank of America account, I noticed XXXX transactions - {$1000.00}, {$900.00}, {$900.00} and {$900.00}. And all had deducted from my account and leaving my account with a minimal balance. 
I waited for the operational hours, and called Bank of America immediately. The representative I spoke with mentioned that he could see the XXXX transactions, and the XXXX fraudulent ones would drop back into my account overnight. 
The next day, Monday XX/XX/XXXX, I check my account, and the money had not dropped in. On Tuesday XX/XX/XXXX, the money still had not dropped in, and the XXXX transactions were showing as pending. When I clicked on the XXXX fraudulent transactions, the app indicated that in XXXX business days, the money would drop back into my account, contrary to what the representative had told me XXXX  days ago. 
XXXX XXXX  XX/XX/XXXX, I check my transaction ledger, and the XXXX fraudulent {$900.00} transactions have vanished from the list, and my balance did not change. I called Bank of America, and I was told that it was correct. I explained what was going on, and the lady told me I was mistaken. I went to a Bank of America XXXX XXXX, XXXX  location ) and the XXXX XXXX told me there was nothing she could do. I was given a phone and the Claims department was called. After XXXX mins, I hung up and left. I dialed again, and spoke to someone, who transferred me and I was on hold again for close to an hour. Someone called me from Bank of America, and proceeded to inform me that I was wrong. I reminded him that the representative I spoke with on XXXX XX/XX/XXXX saw the issue, and that notes should be on my account. He said there were no notes, and the employee was wrong. And when I brought up the app indicating a refund in XXXX business days, he said the app was wrong. So the employee was wrong, and the app was wrong, and he was right. I tried to file a claim, and he refused. I had to hang up. 
Thursday XX/XX/XXXX I call, and I cant get in touch with anyone. When I finally do, the gentleman I spoke with yesterday ( XX/XX/XXXX ) had gone in my account and made notes, so the rep said I was mistaken. 
My money is missing, and Bank of America has brushed it aside because they are a conglomerate. I am missing {$1800.00} and XXXX cant do anything about it. Please help
Product: Credit card or prepaid card

On XXXX, American Express responded to the following CFPB complaints : XXXX, XXXX, XXXX, and XXXX, and XXXX complaint : XXXX. In their response, they explained that for the American Express Gold Card that was opened on XXXX with the following benefits : XXXX Membership Rewards ( MR ) points after {$2000.00} or more in qualifying purchases are made on the Card within the first three months ( 92 days ) of Card Membership.

A 20 % cash back ( up to {$100.00} ) as a statement credit at U.S. Restaurants within the first three months ( 92 days ) of Card Membership.

The following language was in their application : This welcome offer is not  available to applicants who have or have had this Card or the Premier Rewards Gold Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. 

Their explanation as to why I was ineligible for the benefits is as follows : " Based on your Card or welcome offer history, you, unfortunately, arent eligible for the welcome offer on this account. '' The response fails to mention that in my credit history, I have no prior history with American Express in terms of a American Express Gold Card, nor the American Express Premier Rewards Gold Card. The response also fails to mention that the " other factors '' that determine eligibility is intentionally vague as to give American Express carte blanche reason to deny bonus eligibility for any reason of their choosing and their response does not explicitly list the reason as to why am In eligible for the welcome bonus. 

Furthermore, American Express did not acknowledge that there is a {$250.00} annual fee that was charged and paid for on XXXX for the card, 24 days after the credit card was open. When opening the account with American Express, the promise of the bonus offer played a significant factor when signing the contract / agreement. Whereas I have agreed to pay an annual fee of {$250.00} for the card for each cardmember year, American Express had promised to provide certain card benefits in addition to welcome offer. American Express had failed to uphold their part of the agreement and as they have acknowledge in their response : " we did find times that we set inappropriate expectations about your welcome offer eligibility and we missed an opportunity to explain that you werent eligible for the welcome offer. '' American Express had 24 days between the card open date on XXXX and XXXX when the annual fee was charged to communicate that I was not eligible for the welcome offer. Had I been made aware that I would not be eligible for the welcome offer, I would have ceased use of the credit card and closed it immediately in favor of other, more reputable credit lenders with better benefits. 

It is incredibly disheartening to see that American Express, who I opened my first credit account with in XXXX, would become a disreputable credit lender that relies on making false promises for their accounts.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A 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. 

Account Name : XXXX # XXXX -DATE OPENED XXXX Account Name : XXXX XXXX XXXX XXXXDATE OPENED XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, which you claimed was verified. Since I believed you didnt properly investigate my dispute I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or get rid of the following items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$7400.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit was ran because I was trying to move into a new apartment and discovered alot of errors on my credit report and the debt does not belong to me
Product: Credit card or prepaid card

I've been a victim of identity theft. Someone used my identity to open fraudulent credit card accounts. I need help removing " Portfolio Recovery '' off my credit report. I have no knowledge of this account
Product: Checking or savings account

In the summer of 2020, around XXXX of 2020 I lost my debit card for my Chime checking account. I didnt know I lost it and had been using it as an account that I can save money in. Apparently someone was using my debit card and committing fraud on my account. When I went to see how much money was saved I saw my account balance was low and had found many charges on my account within a 2 week period had been charged in my account. I immediately called chime bank and told them of this. I was never credited the money back and was told that because it was used at places that were not over 100 miles away and that money was coming and going and thats normal that I wouldnt receive my funds back. I sent them information proving I was out of state during these transactions and they still will not give me my money back.
Product: Student loan

I can not afford to repay my private student loans. My monthly payment is way to high and my interest rate keeps increasing. Navient will not work with me at all. I will die before this loan is ever paid off.
Product: Credit card or prepaid card

I opened a dispute with Citi for a charge that was initially completed in XX/XX/XXXX for custom furniture. The merchant misled me and never delivered the furniture. I was seeking my deposit back since the merchant agreed to refund me in early XXXX. The merchant ultimately told me to file a chargeback to get my funds back. I initiated the dispute on XX/XX/XXXX for {$1400.00}. The merchant was contacted on XX/XX/XXXX and credit was issued to my credit card account. The merchant responded on XX/XX/XXXX and I followed up with the bank to confirm they would reach out to me to get more details. I followed up on XX/XX/XXXX at XXXX CST and was told the bank would reach out to me to confirm the merchandise was not delivered. On XX/XX/XXXX at XXXX CST I called the bank again after I notice the dispute was moved to resolved. I asked the dispute agent why was it showing customer responsible. The agent told me that while that status was being reflected, that the credit would be permanent as a gesture of goodwill. I repeatedly ask the agent I was speaking to reconfirm that was true and he assured me multiple times that credit was permanent. I was advised Citi would pursue the claim to get " their money '' back. On XX/XX/XXXX, the credit was reversed and I was told the previous agent should not have told me that. I am asking Citi to stand behind their promises they clearly misled me on. They told me on XX/XX/XXXX they would follow up to confirm the merchandise was or was not received and they never did. They promised my reversal credit was permanent and the next business day it was reversed. I have continued the dispute process and emailed the requested documentation on XX/XX/XXXX to continue the dispute as the merchandise is still not in my possession. I added more context to my email on XX/XX/XXXX but the bank has not acknowledged my email nor has not had someone reach out about their agent on XX/XX/XXXX promising to make my credit permanent.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer -provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I run an XXXX XXXX XXXX that requires heavy capital and constant rotation of money. My bank, citibank, closed my account without any notice at all, and when i tried to contact people in person at my local branch, they said that i had to contact the fraud department. Whenever, i ask them for a time span of when i am most likely to receive my funds, they say 30-60 DAYS, which is an insane amount of time, that XXXX is stuck inside my account, that cant be touched by me. They are unwilling to help me in anyway and are very disrespectful and vague in their answers. When I call the fraud department of citibank, they say that i just need to wait for the letter, which again, can arrive within 30-60 days. I will never do business with this bank again, i just want my money. Not only, am i ruining my own credibility from my suppliers in my business because of bounced checks and wires. Not only has this incident damaged my own personal savings and ability to generate money, but also my credibility as a well established business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has listed my loans several times on my credit report a lot of the accounts have the same account number associated with them. I consolidated the loans so therefore the other loans should show as paid in full and the derogatory information should be removed. I have also received loan forgiveness for federal loans from  XXXX  University, yet  XXXX  refuses to deduct this amount from my outstanding loans. I filed a borrowers defense through  the Dept of Ed a nd that resulted in the loans being forgiven yet  XXXX  is saying I still owe them. I have called and spoke with people there to no avail.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan for a XXXX XXXX that was financed by XXXX XXXX XXXX XXXX it was opened on XX/XX/XXXX and was closed due to it being totaled on XX/XX/XXXX due to a serious car accident. XXXX XXXX was made aware of the car being total and provided all information related to the insurance payoff that would be made to them due to their lien on the vehicle. The insurance company sent me a certified letter showing that they had paid the XXXX XXXX - however, XXXX XXXX shows that I was past due on the account which is untrue and false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled the account with Midland back on XX/XX/2021. PAID {$670.00} The agency gave my rep this Confirmation number # XXXX. They promised when I paid the {$670.00} they would fully remove the collection off my credit report. As you can see they did remove it from XXXX XXXX however it is still reporting to XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Myself and the mortgage company have tried contacting Equifax on XX/XX/18 for over 2 weeks and at first they told me that they were having an issue with their system and it was down. Finally in the afternoon when the system was up they researched my name and couldn't find any information on me. Upon receiving the credit report via mail XX/XX/18 I called them back and explained it was not correct ( wrong addresses ) and was told that I need to send in my driver 's license, full name, address and social security card. I can see all three ( 3 ) of my credit reports on XXXX XXXX but Equifax can not find me.
Product: Credit card

I closed out my Citibank diamond preferred secured credit card in XX/XX/XXXX. Later in XXXX i noticed it appeared on my credit score which is hurting me. Its has been XXXX years now i have called to dispute and investigate this issue and they still keep giving me statements and it makes no sense because why should i still be having charges if i have paid off and closed the credit card.
Product: Debt collection

I paid XXXX XXXX in full on the bill in question. I have a signed receipt from XXXX XXXX billing department reading " Paid in Full '' from their billing manager. I submitted it to American Adjustment Bureau XXXX CT and also submitted it to the credit bureaus disputing the matter. American Adjustment refuses to acknowledge the bill was paid and keeps reporting it has not to the credit bureaus. When I call American Adjustment Bureau in XXXX CT, and on the very rare occasion they actually answer the phone they say " Your account is locked '' " we can't do anything or tell you anything more sorry ''.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am filing an official complaint in regard to the student loan servicer MOHELA, as I received a payoff letter online, which included interest, and paid off the loan in full for {$120000.00} on XXXX The average interest on my student loans was 7.080 %. This payment was made the same business day, but when I checked my account this morning, I owed XXXX XXXX on the principal and XXXX in interest, totaling owing XXXXXXXX XXXX on my account as of today, XX/XX/XXXX. 

I believe this is unlawful and unjust, as they did not honor my payoff letter amount from XX/XX/XXXX, and my payment in full, which included my interest at that time. I went and paid the XXXX XXXX  to completely pay off the loan, but was told over the phone this morning that any interest accrued would be written off, as the loan was paid off. I asked why the interest wasn't forgiven and my payoff letter wasn't honored on my last payment, and was not given an answer on this except that interest accrues daily. I am a customer of MOHELA and had various student loans with them since they were transferred, as I was a part of their PLSF program. I always made payments on time and have never missed a payment. I was with XXXX XXXX and XXXX previously. This harms the entirety of the student loan payment system, as a customer is not being honored with their payoff letter ( and someone that actually paid off their student loans ), and then having almost 100 % interest on the XXXX XXXX I still " owed '' to them on my account. If student loan borrowers keep trying to pay off a loan in full, and it keeps accruing interest on the loan as we make the payment, how is anyone supposed to pay the loan off in total? 

I wanted to make this complaint against the company and will be seeking information with a lawyer regarding this matter as well, as I am sure I am not the only one that has dealt with this. I am aware that there was a class action lawsuit towards MOHELA as of XXXX XXXX  regarding the PLSF program, but I wanted to send my complaint that this student loan servicer is harmful towards the industry, customers, and violates the antitrust laws with unlawful predatory pricing with charging interest when they did not honor the payoff statement. Also on the XXXX XXXX I was charged interest for the before payoff amount. XXXXXXXX XXXX  interest on XXXXXXXX XXXX is not 7.080 % interest. I have also filed complaints with the U.S. Dept. of Education, the Federal Trade Commission, and the office of Federal Student Aid. 

Thank you!