23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I made an electronic deposit of {$1400.00}, into my checking account. On XX/XX/XXXX, at XXXX XXXX, I contacted USAA via phone concerning this deposit to inquire if funds had been received from the other financial institution ; twice I was informed funds were received and available. On XX/XX/XXXX, the check was returned. Since then, my mother and I have reached out to USAA on numerous occasions, and have spoken with many different representatives, including representatives in the office of the CEO, to no avail ; dates, times, and names of the many attempts to reach out to USAA can be provided. Furthermore, on XX/XX/XXXX, at XXXXXXXX XXXX a representative by the name of XXXX, located in the office of the CEO, reached out and informed my mother, that USAA will not make restitution, even though openly acknowledging that the USAA representative on XX/XX/XXXX provided me with INCORRECT information.
Product: Payday loan, title loan, or personal loan

Springwater Financial is not trying to work the problem out. I've paid {$590.00} on a {$350.00} loan and want an additional {$790.00} .Spring Water Financial continue charging 700 % interest and up on a {$350.00} loan is illegal in Ga. I have to keep renewing in order to keep payments current.They harass job and this unfair business practices in USA.
Product: Debt collection

Called and left messages with other staff at the office, when the office manager called them to discuss this as not being legal, they were abusive on the phone and hung up.
Product: Money transfer, virtual currency, or money service

I am trying to send an XXXX XXXX XXXX to a title company, which has a due date based on the ratified contact for the home we are trying to purchase. 

Ally Bank states on their website that wire transfers are completed by XXXX as long as the transfer is fully verified by XXXX of the same day. There is no status of " fully verified '' any where during the actual wire transfer process. However, my account was debited amount for the transfer, and was in the " final '' step prior to completion, at around XXXX. The wire transfer did not complete. I spoke with many customer service reps after XXXX on that day and prior to XXXX the following day, and was told it will send by XXXX the day after it was actually supposed to send. 

It is now past XXXX on the second day, and after speaking with another set of reps, I was finally informed that there was a technical issue, bank wide, causing everyone delays. The issue has been known for many days prior to my transfer request. Yet, Ally, on their website and status tracker, show no signs of any issue and proceed to tell you the transfer will be completed by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to covid 19 I had to put my mortgage in forbearance but I was told it would show on my credit negatively
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a human being name XXXX XXXX XXXX I received documentation that USBK COURT MARYALND Docket # XXXX was VERIFIED AS ACCURATE. I have an attachment listed below that came from that CFPB Complaint that file. I Received a DELETIONS Letter from XXXX XXXX On XX/XX/2022. XXXX XXXX Remove BANKRUPCTY From there consumer report. I also have a Bankruptcy letter stating the information EXPERIAN received on this bankruptcy was pulled from XXXX XXXX. I need this account removed from my credit report IMMEDIALTY. Also, Below I will have the LAWS indicating all the VIOLATIONS towards this Account. 


Docket # XXXX USBK COURT MARYLAND Bankruptcy court dont report to the credit bureau XXXX PERMANENTLY DELETION XXXX XXXX.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached on XX/XX/2022 regarding hard inquiries on my credit report, and the company completely ignored my letter. The letter was requesting to have unauthorized hard inquires removed from my report, as I have no knowledge of these. I submitted a letter via US Mail on or about XX/XX/2022 requesting this be removed, and Experian has completely disregarded my request. I have submitted a new letter via US Mail as of XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account name XXXX DEPARTMENT STORE Account # XXXX Account name XXXX XXXX XXXX ( Account # unavailable, only XXXX  account on my report ), has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Called my sister as XXXX XXXX and left the number XXXX ext XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute to Equifax which consisted of two disputes. The first stated I had not received a debt validation letter for the XXXX XXXX collection entries on my file. That dispute was addressed. The second dispute was not. XXXX account # XXXX is reported as two different amounts due and XXXX. XXXX is reporting {$510.00} and XXXX of XX/XX/XXXX. Equifax is reporting {$22.00} and XXXX as XX/XX/XXXX. I requested these entries be deleted since they are being reported inaccurately. Please review dispute and documentation.
Product: Checking or savings account

Didnt look into my claim when I provided the information. Reason denied was I didnt provide the information when I did via mail and also sent via email multiple times. From one email I received multiple pushbacks.
Product: Mortgage

Chase sent a partial response to my complaint XXXX and I could not respond, therefore, for the record:XXXXXXXXThe response from Chase Bank is very typical of this company and the company tactics they promote to home owners in default wanting to refinance under the HARP plan. 
Chase knows who I am ... .... if the professional employees who work within the EXECUTIVE offices do not know how to do a customer SEARCH within Chase database ... .I guess that highlights exactly what is so WRONG with this company. 
Chase stalls, misleads, makes statements to loan owners that is NOT correct and Chase will not admit that Chase representatives make horrible errors working with home owners in default. Therefore, the mortgage errors become the home owners fault NOT Chase. Home owners then face auction sales, because Chase refuses to process HARP paperwork. 
IF Chase really does refinance under HARP then:1. Process paperwork on a timely manner to meet federal guidelines. 
2. STOP threatening home owners with wrong statements. 
3. STOP sending properties to auction - even when they are processing HARP paperwork. 
4. SEND loan modification plans to home owners NOT bogus plans that mislead home owners. 
5. Communicate accurate property values to home owners NOT bogus appraisals. 

If Chase was more accurate and honest with their COMMUNICATION I would pick up the phone and call them. However, as proven ( by written documents from Chase ) Chase verbally misleads and makes horrible statements to home owners. When a home owner challenges the wrong statements Chase only says " SORRY FOR THE CONFUSION, YOU MUST HAVE MISUNDERSTOOD WHAT THE CUSTOMER REPRESENTATIVE SAID '' Yeah right!
Product: Checking or savings account

Citibank misled me about when funds I transferred into my account from an external account would be available. Using Citibank 's website on Wednesday, XX/XX/XXXX, I initiated an electronic transfer of {$12000.00} from my XXXX Bank checking account to my Citi Accelerate Savings Account. Citi told me via email and on its website that my " estimated deposit date '' was Thursday, XX/XX/XXXX XXXX see attached ). 
Relying on Citi 's representation that my money went through on this timeline, I initiated a credit card payment from XXXX on XX/XX/XXXX. XXXX pulled the money on XX/XX/XXXX from Citi. Citi inexplicably rejected this transfer due to " insufficient funds '' even though my account had the funds in it. 
When I complained via chat in the Citi app last night ( see screen shot ), the agent claimed that Citi had placed a 3 day hold on the funds - meaning they would not be available until XX/XX/XXXX - 6 days after I sent them and 5 days after Citi told me they would be available. But at no point before I complained did Citi tell me about a 5-day delay in the funds availability. I had no reason to believe the funds would take more than 24 hours to arrive. Indeed, Citi 's website still shows ( see screenshot ) that I can make a transfer today that will arrive tomorrow. 

If Citi 's policy is to place a 3-business-day hold on inbound ACHs, it should disclose that information prominently. If that is not Citi 's normal policy, I want an explanation why I ( a long-time customer who has never had a transfer reversed ) was subjected to an exceptionally long hold. I would not have moved my money to Citi that I was using to pay my Chase card if I had known about this delay, and I probably would be less likely to use my Citi account going forward.
Product: Credit card or prepaid card

CFBP CASE # XXXX I am responding to the letter dated XX/XX/2019 from XXXX XXXX of Synchrony Bank. 


I her letter she stated that a new payment plan will take effect the following month ( XX/XX/2019 ). The new payment plan will be {$310.00} per month for 60 months for a principal balance of {$15000.00} at 5.99 % According to the attached amortization schedule ( please refer to the attachment ), the new payment is {$300.00}. There is a big difference between XXXXXXXX XXXX payment amount and my calculation. That is {$7.00} per month more Synchrony Bank is charging me. That is {$450.00} excess payment thru the life of the Loan. I will not accept the New Payment Plan Synchrony bank has been charging me {$390.00} per month at 5.99 % for {$20000.00} for 5 years. That monthly payment is also wrong. That actual monthly payment was {$380.00}. I was overcharged $ XXXXper month for the last 12 months. The total amount I over paid is {$210.00}. This is nothing but stealing, cheating by Synchrony Bank. 

I have filed my Complaint to the Office of Maryland Attorney General, Consumer Protection Division Office
Product: Credit reporting, credit repair services, or other personal consumer reports

I was enrolled in the Covid-relief program with my credit card provider Discover and the program ended, I was not fully back at work and would like my payments not reflecting late or delinquent on my credit report based on the The Recovery plan. I would like my credit report to reflect that I was on the covid relief program with this company. I called to ask them for a goodwill gesture to remove the negative reporting due to Covid and not being able to work they denied the gesture and letter stating the information reported is not invalid, I do understand that I am asking the account if not removed show up on my credit report as late due to covid. I am in the market of XXXX XXXX  and it is important for me to have good credit to obtain loans to work to pay bills. I do not understand why this creditors refused to report my credit under the recovery act as late due to Covid Pandemic. I ask that this account be removed as late and under the American Rescue Plan Act. Discover is billion- dollar company that I would hope honors their clients who have suffered so much loss during the pandemic but they would not help me and I need the help to continue working.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # 1 - I started contacting XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO. XXXX on or about XX/XX/XXXX when XXXX XXXX XXXX  transferred my excellent paid mortgage to that company. I called XXXX XXXX XXXX XXXX to ask why they are reporting on my mortgage statement a Bankruptcy Message? That is when I learned at the beginning of the call with their automatic phone prompt system announcement, that they were a XXXX XXXX XXXX. I asked them to remove it from my statement, because they got an excellent mortgage from XXXX XXXX, not a default or bankruptcy mortgage loan from XXXX XXXX. They refused. I was told if I don't like the statement that I can request them not to send me no statement at all. ( proof of payment, insurance, taxes ). This was the only option they gave me. 

Complaint # 2 - Since XXXX XXXX XXXX got my mortgage from XXXX XXXX, they have not reported to any credit bureau that they are the new company on the loan. Therefore, there is NO credit good or payment history being recorded with any Credit Bureau on my behalf. XXXX XXXX was the last credit reporting on my mortgage loan since on or about XX/XX/XXXX. I called XXXX XXXX XXXX on or about XX/XX/XXXX, also in XXXX, XXXX, XXXX, XXXX to request my good payment history to be reported to all the Credit Bureaus. My request was denied. However, I questioned if I was to miss a payment would they report it as bad credit, they said, they would report it to the Credit Bureaus as a missed payment. So, I said, " you only report bad payment credit history, NOT good credit payment history? '' I am filing a complaint against this company for refusing to report ALL of my excellent payment history to all the Credit Bureaus since receiving my mortgage from XXXX XXXX on or about XXXX or XX/XX/XXXX. Also to remove the damaging, derogatory statement from my mortgage statement. Neither, XXXX XXXX XXXX, or XXXX XXXX XXXX  was involved in a bankruptcy, or a discharge of any type of monetary funds concerning my mortgage loan, so the statement on my monthly bill is misleading and false. My monthly statement is the only proof of my on time monthly payment, and it's defiled every month with this lie. Therefore, I am unable to use it as a form of proof of good payment and credit history. This has caused me a lot of unnecessary distress, pain, and suffering at the hands of XXXX XXXX XXXX  predatory loan service practices.
Product: Vehicle loan or lease

This form of communication is being used to put XXXX on notice that I have started the administrative process and placed you on Notice. I have notified you via Mail, CFPB and Via the Attorney General XXXX Texas XXXX XXXX XXXX XXXX XXXX. 

You have failed to respond to my claim and you have failed to respond to the Texas XXXX XXXX XXXX XXXX XXXX in reference to case # XXXX sent to you on XX/XX/2022. 

Your complete disregard for me as a federally protected consumer has been displayed on several levels and you will have to correct the situation and provide me with the demanded remedy i requested in all of my unrebutted Affidavits
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a dispute I have with Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to address the following issue, but as of today, I have not received a response from them. 
Details of the Inaccurate Information : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$610.00} Issue : The mentioned account was never late. Please correct this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe it was the first week in XX/XX/2019 and my wife and I stopped in the XXXX XXXX in XXXX Maryland to purchase luggage. We were told they didn't have any there in two sizes and where referred to their web site. I got home and ordered the luggage on their site and was told that i was automatically approved for a credit card and therefore a 15 % discount on this purchase. I said OK and had to fill out a form and did. I received the luggage XX/XX/XXXX and XXXX 2019 as close as I an remember. On the XXXX i received a letter turning me down by XXXX XXXX Bank. I have a XXXX XXXX score or a couple of points either way depending on the agency. I called XXXX on XX/XX/2019 at XXXX and was asked, not by a person but by software to type in my social security number. I hung up called back only to be asked again to type in my SSI #. i finally dialed Zero and got a XXXX who defended this practise so I informed her I would certainly let everyone I know of this event. My complaint is on the legality of asking for my personal information by a computer. I also want to know what different ssi # was on my pre approval and why did not someone contact me right away.
Product: Checking or savings account

XX/XX/2020 I reached to PNC Bank to attempt to reset my online banking PIN to gain access to my online banking. I contacted Online Banking and Customer Service. I was told to reach out to a Branch on XX/XX/2020. I did reach out to a branch on XX/XX/2020 and was told my account was in a purgable status of being closed. NO ONE told me this on XX/XX/2020 Friday or I would have got the funds to bring the account current and requested the fees to be refunded from XX/XX/2020 due to being out of work due to COVID 19. On XX/XX/2020 I reached out to the account closing department and was told they could not help me with the fees or reopen my account. I needed to get the account reopened as sole proprietor I had applied for EIDL lending. The account is being closed for {$330.00} XX/XX/2020 I spoke with XXXX and she filed a complaint for me she also said that the employee in online banking and customer service may have not known the account was closing on XX/XX/2020 so if that was the case how am I supposed to know that as a consumer. I asked her that question and she said she didn't know. 
of this balance {$280.00} is made of {$36.00} of overdraft charges and {$7.00} in daily overdraft fees. For a total of {$290.00} if this was refunded I would have only owed PNC Bank a total of {$44.00} and the account would have not closed out. XX/XX/2020 XXXX from PNC Bank escalation department called me and stated it had already went to a collections department. They would not help me with the fees after I told her I had been out of work since XX/XX/2020 due to the COVID 19 virus and my line of work. I have banked with them for 15 years and she did not seem to care and there was nothing she could do. Due to these unprecedented times I would think they would be willing to work with me and not close my account over {$44.00}.
Product: Credit card or prepaid card

we tried closing an account with Chase credit card in XXXX. We paid off the balance they said we owed. They did not close the account. Automatic donation payments continued to be withdrawn. Chase then stoped sending paper statements. Chase never notified us of the change to electronic billing. WE CALLED TO DISPUTE the additional charges and asked again that the account be closed. We simply got the run around. T that point we hired an attorney. She wrote two letters ; one on XX/XX/XXXX, the other on XX/XX/XXXX. Chase never responded to her. To reiterate, Chase has been uncooperative and unresponsive with this disputed claim. They send my statements to my attorney in such a manner that they arrive at her office just before they become past due. Yesterday our attorney resigned and told us to contact you.
Product: Credit reporting or other personal consumer reports

Experian has come back two or 3 days after filing a dispute for something that is not correct on inaccurately allowing items to be reported on my credit. Not actually looking into the credit or investing properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated XXXX XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXX per the XXXX opinion.
Product: Mortgage

I am sending this email to file a complaint about Roundpoint Mortgage persistent negligence in not following up with their customer concerns, lack of knowledge of the customer service reps, and XXXX poor customer service. I received an escrow analysis statement the first week of XXXX indicating my new mortgage payment was going to increase by approximately XXXX month. I contacted RPM TWICE to get an understanding of the escrow analysis and was instructed to send in copies of our tax statements and I also included a copy of our updated appraisal. I immediately faxed as well as emailed the requested documentation so that the re-analysis would be initiated. I was told by XXXX of the customer reps that a re-analysis of the escrow would be done. I also requested to speak with supervisor during BOTH calls because I was not getting an understanding of the analysis and how they came up with the amount indicating the need of an increase of XXXX month. I never received any calls from RPM in reference to my questions. I called on XXXX/XXXX/16 to get an update on the re-analysis and was told it would be completed by XXXX/XXXX/16. I called today ( XXXX/XXXX/16 ) and spoke with XXXX different reps. The first rep was not able to answer any questions in regards to the re-analysis, so I requested a supervisor. I was transferred to a female representative and she immediately proceeds to tell me that I have " utility lien '' on my house. After questioning her about this so called " utility lien '', I had to tell this rep that she was reading our tax statement for our utility district. After speaking for 10 minutes back and forth about our escrow, she proceeds to let us know that no re-analysis was completed. After further speaking with this representative she proceeds to let me know that a 2 month cushion was required in our escrow account totaling approximately {$50000.00}, which is insane. I was under the impression that she was supervisor, but after speaking with her and realizing she did not know how to answer the questions she admitted to not being a supervisor and stated that she was told we requested a U.S. rep. 

The issue at this point is the escrow re-analysis was never done and I require assistance in getting my mortgage payment lowered. My family ca n't afford to pay XXXX month from {$2300.00} a month. This increase in my payment amount is RIDICULOUS and there is no way that a mortgage payment should increase more than XXXX month each year. I am requesting the assistance of management to look over my account and contact me to discuss options and also to ensure that the figures are correct. My account information is listed below :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX ), Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXXXXXX ), Account # XXXX ( XXXX, XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instruction.