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

My bank account at US bank never shows my accurate account amount. Number ours employees have informed me that it is an ongoing issue. The previous two weeks leading up to my account being in the negative I had charged from places I did not go charged to my account, then disappear and come back again. It then got to a point that my balance was changing with money showing up XXXX at a time and again disappearing l, every time nothing would show as to why this was happening to my account, meaning towers the end I had no idea why my account was going up and down on the amount of money. Multiple calls to us bank and not one person could tell me why, in fact, they couldnt see anything I was seeing on my end. This is alarming considering everything should be seen by the bank. I was given no explication at all. Then a little less then three weeks ago, I went to enjoy my night off, I go to get money out of my account and the ATM refuses, it states to call the bank, so I end up leaving and calling, where some more unprofessional and ridiculous things happen. A fraud alert was placed on my account, they said it was fixed so I left my home drive back down in attempt to salavage my night out but it doesnt work and does the same thing again. I call back and have to deal with it again, about forty minutes later, I was able to do one transaction to get my money but my account. I then see my email has us bank stating that I called to make sure I could use my card outside of the country. I did not ask that. I find it really funny that my account was so messed up and I got zero actual help but now that they feel I owe them money, which isnt true, I should be about XXXX positive. They decide to call me and act like they know what they are talking about. I have gotten no help, I have spoken to nobody who knew what they were doing, I have been told the system is messed up, ignored when telling telling them they owe me money and more insulting is the fact they are calling me over and over trying to get me to pay a balance I shouldnt have. Ive wasted hours of time trying to get help from them and my hours at work, working 6 to 7 days a week, doesnt allow me to go in and I am not going to miss work and lose more money because this bank has messed up. They need to fix this, figure it out and give me my money back, not me give them money
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXXXXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

There has been fraudulent activity with my social security number. XXXX should be the first to recognize this. There are inquiries that have been disputed and they remain. They are clearly fraudulent and need to be removed. Please help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- -My name is XXXX XXXX , the last four of my SS # is XXXX. My account number is XXXX. I am writing to dispute the late payment reported by XXXX. I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! THEY NEED TO CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND CALL ME ONCE THAT IS DONE!
Product: Checking or savings account

On XX/XX/year> I opened a checking account with Citibank because they sent me a promotional deal for XXXX bonus ThankYou points. I called the phone number on the advertisement to complete everything directly with a Citibank employee. I was to deposit {$15000.00} within 30 days and make a bill payment for 2 consecutive months. I did both of those things but never got the bonus reward points. I contacted the bank 's cutomer service by phone and found no one to help me. I also emailed customer service and received no reply.
Product: Debt collection

I never gave anyone permission to use my name or social security number to apply for any kind of student loan. I have never nor will I ever let anyone use my information to apply for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a current victim of identity theft, XXXX, Equifax, and XXXX   continue to report fraudulent activity on my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. FTC has been filed in XXXX of 2019, they did not comply within the 5-7 business days according to federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXXXXXX XXXX Open Date XXXXXXXX XXXX XXXX Balance : {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX my vehicle was voluntarily surrendered ( XXXX XXXX XXXX ). Paid {$19000.00} and pay-off was {$20000.00}. The cost to repair is {$7000.00}. Tried to communicate via electronically and phone to try and resolve, but they would not listen. I am citing Equifax for being on their side after showing them all evidence. I just wanted Equifax to report a remark to " Volunteered Surrender on the credit report. Equifax states that they are only following procedure and report exactly what XXXX XXXX dictates to them. 
I wish for Equifax and XXXX XXXX of Texas to remove all information from my credit bureau file, but I know they will not listen to me. MAYBE THEY WILL LISTEN TO CFPB. 
You can reach me at XXXX or cell phone XXXX XXXX XXXX XXXX does not know where the vehicle is and I have told them. 
PS 2 : Would like XXXX XXXX to surrender title in order for me to fix {$7000.00} repair. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : ACCOUNT NUMBER : XXXX
Product: Credit card

PLEASE SEE ATTACHED FOR ALL DETAILS ... Summary Here -- XXXX I received a call from " XXXX XXXX '' supposedly ( it was actually XXXX XXXX ) with a special offer to transfer all my credit card balances onto one new Card ( ended up being Discover ), and that the transferred amount would be interest free until paid off at {$250.00} per month. The cost for this was {$1900.00} and was charged to my XXXX XXXX card ( see attached ), and then transferred to the Discover card. They did not mention anything about a transfer fee to the new card, and I was charged an additional {$420.00} for that. I was also told that the new Card I receive would have a low interest rate for life, but when received it was actually 23.24 % ( see attached ). I called Discover about the transferred balance, and they told me it was only interest free for one year and they never do " interest-free for life ''. I called XXXX back who was my main contact at XXXX and it took me about 5 calls over several weeks before I finally got her on the phone just before XX/XX/XXXX. She said the offer was indeed valid and that she would send me an email confirming that. She still has n't, and I 've called and left messages for her 5x since then, and emailed her 4x and she has not returned my calls nor emails. PLEASE SEE ATTACHED VERY DETAILED PAGES WITH ALL DATES, TIMES, LENGTH OF TIME SPOKEN, EMAILS AND NAMES OF THOSE CONTACTED. ***NOTE - I tried to enter the amount lost below but was unable to. It 's {$2400.00}.
Product: Mortgage

I have been in a mortgage forbearance since it was offered in XXXX due to the pandemic. With available extensions the forbearance will conclude at the end of XXXX. I have been in communication with the servicer of the loan Nationstar Mortgage LLC, d/b/a Mr. Cooper as to how to proceed now that the forbearance will be ending. Initially the discussion was for a loan modification, however that appears to be a high bar to get over, therefore I requested the modification request be canceled in favor of a workout plan which would incorporate a deferral of a portion of the arrears to the back-end of the note. 

Since Mr. Cooper does not have the authority to act on its own, the lender, XXXX XXXX would need to approve of the workout plan and deferral. XXXX XXXX has the reputation of not working positively with borrowers, thus when Mr. Cooper listed the resource of the CFPB on the monthly statement, I called and the CFPB representative advised on filing a complaint as a precaution and preemptive action. 

I am prepared to remit the higher monthly amount Mr. Cooper calculated at, {$1300.00} ( PITI ), verses the amount pre-pandemic of, {$1200.00}. The current principal balance is {$89000.00} at an interest rate of 4.875 %. There is a negative escrow balance of {$8200.00} as of my XX/XX/XXXX statement which is a result of RE taxes and insurance. 

I want to be assured that the workout will be approved, whereas the escrow arrears will either be on the back-end or as Mr. Cooper indicated can be retired over a 6 month period. The total amount to bring the loan current is {$23000.00} which includes the negative escrow. 

I don't believe that when the federal government had intervened to protect homeowners to have payments paused without interest or penalty but allow for a land grab by lenders at a later date if the full arrears at the conclusion of the forbearance where demanded is not made in one all inclusive payment or they would foreclose. 

The loan has 34 years and 6 months to go. Loan number ; XXXX, property address XXXX XXXX XXXXXXXX XXXX  NJ XXXX, which is my primary residence.The phone number for the Mr. Cooper XXXX XXXX XXXX. is ; XXXX. They use several addresses however I believe their main address is XXXX XXXX XXXX XXXX, TX XXXX. 

My contact information is : XXXX XXXX XXXX - Cell ( XXXX ) XXXX email : XXXX address previously noted above.
Product: Debt or credit management

I hired consumerslliance processing Corp. to. I made XXXX payment from last year up until I got a XXXX loan to pay all my credit cards bills in the contract.There is still negative remarks on my credit report, I've sent them all this information to date no response.XXXX  XXXX client service and XXXX creditor contact
Product: Credit reporting or other personal consumer reports

TransUnion has failed to correct an ongoing error in my payment history despite multiple disputes. This inaccuracy has persisted for far too long, and I am demanding immediate action. Upon reviewing my credit report, I found that my payment history for the following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been MISREPORTED by TransUnion, while XXXX has accurately reflected the correct payment history. What makes this situation even more unacceptable is the blatant inconsistency in TransUnions reporting. How is it possible that TransUnion correctly lists my payment status as " Paid or Paying as Agreed, '' yet my payment history does not reflect that? If my account is in good standing, then my payment history should align with that status. This contradiction not only defies logic but also violates my rights under federal law. By continuing to report incorrect payment history, TransUnion is violating its legal obligation under 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy in consumer reports. I have disputed this issue multiple times, yet TransUnion has repeatedly failed to take corrective action. This repeated failure now constitutes willful noncompliance under 15 U.S.C. 1681n. Furthermore, TransUnions refusal to investigate and correct these errors is a direct violation of 15 U.S.C. 1681i, which requires credit bureaus to conduct a reasonable investigation and fix inaccuracies. At this point, it is clear that TransUnion is ignoring its responsibilities under federal law. How much longer do you intend to make me go through this unnecessary hassle? I am demanding that TransUnion immediately correct my payment history to accurately reflect my payment status as " PAID OR PAYING AS AGREED, '' just as XXXX has already correctly reported. There is absolutely no justification for this continued misreporting, and I expect this matter to be resolved without further delays. If this issue is not corrected promptly, I will escalate this matter further and take all necessary steps to ensure compliance with federal regulations and protect my rights. I expect written confirmation once the correction has been made.
Product: Credit card or prepaid card

Purchased what I thought were 2 extra small white tank tops. The person gave me a large so I had to return to the store to get the extra small they did not have in white so I was given black when I needed white. Victoria secret XXXX XXXX XXXX XXXX pa
Product: Debt collection

I hope you are doing well as I write this. I'm writing to formally ask that my account records be cleared of any late payments. I am aware of how crucial it is to keep a clean credit record, and I would want to resolve the recent late payments that have been made on my account. I respectfully ask for your consideration and understanding in order to have the late payments removed from my account history. I promise to keep up a punctual payment schedule going forward and make sure that similar delays don't happen again. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a XXXX XXXX XXXX customer service representative. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the XXXX XXXX  XXXX customer service representative. 
I am aware of the company 's standards about late payments, and I truly value your consideration and time in this regard. Please let me know if any paperwork or information is needed to support this request, and I will send it over right away. I am grateful for your thoughtfulness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violater my federally protected consumer rights ro privacy and confidentiality under 15 u.s.c.1681 XXXX XXXX 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 with out my written instructions 15 u.s.c 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of following items of information any other adverse items of information other then records of convicted of crimes which antedates the report by more than seven years 15. u.s.c . 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to and was approved for a credit card with XXXX XXXX XXXX Credit Card Department in XX/XX/2020. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as Equifax, XXXX  or XXXX  as an account and one in good standing. 

Please have them ( XXXX XXXX XXXX Credit Card Department ) report this credit card account to Equifax, XXXX  and XXXX Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Product: Debt or credit management

On XX/XX/2024, Freedom Debt Relief made its first withdrawal 0f {$150.00} from my checking account. On that day, or a day later, I called FDR customer service to ask the amount that must be accrued toward this program to trigger start of negotiations with my debtors. I was ignored!
Product: Student loan

My complaint is that it required XXXX emails/phone calls to Navient to identify, correct, and prevent suspicious/fraudulent/illegal activity to my account. Below is the detail : On XXXX/XXXX/16, I called Navient to make a payment to my account on past due amounts for XXXX 2016, XXXX 2016 and XXXX 2016. The Navient rep received my payment and stated that this payment had made my account current. At the time, I also asked about options for an IBR plan since I started having financial difficulties in XXXX 2016. The Navient rep informed me of some options, and I asked if I could request a future forbearance to give me time to research. He agreed. After the call, I started researching IBR plans. When I logged into my Navient account a few weeks later, I saw activity on the account that was suspicious and confusing. I called and emailed Navient four times after I discovered the suspicious/confusing activity to request clarification and ask Navient to research their records to confirm whether or not the Navient rep I spoke with on XXXX/XXXX/16 had correctly processed my request. In response to each of these emails and phone calls, Navient provided me with incomplete and inaccurate information about my account. On a fifth attempt, on XXXX/XXXX/16, I spoke with a rep named XXXX who was finally able to ( 1 ) provide me with correct information about my account, ( 2 ) identify the Navient error that created all the suspicious and confusing activity to my account, and ( 3 ) place an internal request to correct the Navient error that incorrectly caused {$780.00} of interest to post-actively capitalize on my account on XXXX/XXXX/16 as a result of the XXXX/XXXX/16 phone call. She also identified and removed other suspicious activity that would cause more interest to incorrectly capitalize on my account on XXXX/XXXX/16. Had it not been for XXXX, I would not have had a resolution and Navient would have gotten away with fraudulently and illegally capitalizing interest to my account.
Product: Credit card

In XX/XX/XXXX, I was charged by American Express for services from XXXX, a provider of teeth-straightening aligners, which included a promise of lifetime treatment. However, XXXX filed for XXXX  XXXX bankruptcy on XX/XX/XXXX, and later announced a complete shutdown of all global operations on XX/XX/XXXX. This left numerous customers, including myself, without the promised services and support. 

Despite their bankruptcy and shutdown, XXXX has indicated that customers who financed aligners are still expected to continue making monthly payments in full. This situation is particularly distressing as the services for which I have paid can not be completed due to the company 's cessation of operations. 

I have attempted to resolve this issue with American Express. However, they have stated their inability to dispute the charge, citing system limitations. The charge I am disputing is directly related to the services that are now impossible to receive, due to XXXX 's business closure.
Product: Mortgage

I did a cash out refinance through XXXX XXXX. They used XXXX  XXXX XXXX agent, XXXX XXXX who was instructed to payoff Wells Fargo loan number XXXX. 

She requested a Payoff from Wells Fargo Home Mortgage and the statement was received on XX/XX/XXXX. The payoff statement indicated wire instructions and that the amount needed to pay off the loan was {$66000.00} and that the payoff amount was good through XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX XXXX wired the amount of {$66000.00}. 

I received a collection call in mid XXXX stating that my mortgage payment was late. 

I called but they couldn't seem to figure it out. So I went into a branch. XXXX XXXX XXXX and then XXXX XXXX XXXX of Wells Fargo sat down and reviewed it with Me. 

XXXX then pulled up the mortgage account. He said that it appeared that Wells Fargo received the money but didn't apply it to my account until XX/XX/XXXX resulting in interest and therefore it appears to the system it's not paid off. 

They created a ticket number XXXX and they said it should be fixed in a couple of weeks. 

I got another collections call XX/XX/XXXX. I'm afraid that this is effecting my credit not to mention how much time I've wasted dealing with this. 

They told me I can just pay it and it will be paid off but I don't owe them anything. I don't know what to do! 

XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I do not have record of every transaction over the past 8 years but Sallie Mae and Navient are wrong every single time. I continually speak with them on the phone and I receive inconsistent information regarding my loans. They ask for money, I give it to them if I can, they will tell me I am current until next month. Usually a couple of days later they call and ask for more money. I am not sure if this is a commission based job as debt collectors and it benefits them to deceit others in this way but it happens often, and if they are not calling me they are calling my co-signers at the same rate. I went to school in the college of XXXX and passed all of my XXXX, XXXX, and XXXX classes with flying colors usually leading a study group helping other to pass the classes ; point being, I have an understanding loans but I have never known my own personal lending situation ever in the past 8 years. I give them well over 2/3 of my income most years and my principle balance keeps going up every year as well.