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

On XX/XX/XXXX a charge was made to XXXX using my XXXX XXXX account. Upon learning about the charge, we immediately called the bank. We were told a new debit card would be sent and we were to destroy the old one, which we did. We waiting and the card never came to our address. The bank out the money back in. We called the wire line and filed a complaint, nothing has come of that. 

Then, on XXXX, my sons account was drained at ATMs and XXXX in the XXXX are. This time I called the bank and we went in. When we went in, the banker showed us the card and the directions to reset the pin was sent to an address in XXXX that we have never seen before, and we live in XXXX. My son was with us in XXXX. We were told not to worry they closed his old account opened a new one and replaced the money. They said there would be an investigation, but that it was obviously not him. By now I had called the bank several times over, and heard many different stories. Some CSR would not talk to me because this was my sons account ( who is a XXXX ). 

Then on XX/XX/XXXX, the bank removed {$400.00} from my sons account. When I called in, they said the first case was closed and it looks like my son took the money. We went round and round, I talked to another person, I went into the bank, and finally called again and told someone this is fishy. The card was sent to an address that is not ours. She asked if I could prove he was not is XXXX. So on XXXX  I sent over his school attendance records, the police report, and explained why I was reaching out again. 
Just last week, I received a message from the bank asking what this is in reference to, and for more information. 

I feel like this bank has someone on the inside that purposely goes after these XXXX because they are XXXX  and wont fight back. The thing is, he worked all XXXX for that money. And to be given the runaround is so much more than frustrating. When we set up the account with the banker, we specifically asked for help securing his account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at Edfinancial Services : Your response to my CFPB complaint is not only inadequate but demonstrates negligence in addressing the inaccuracies in your credit reporting. Instead of taking accountability for your errors, you have placed an unjust burden on me to disprove your claims. 
Under 15 U.S.C. 1681s-2 ( a ) ** of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure the accuracy of the information furnished to credit reporting agencies. False or misleading reporting violates federal law. The delinquencies you reported90+ days on XX/XX/year> and 120+ days on XXXXare entirely false. This account was **paid in full and closed, and there was no delinquency on my part. Your obligations under **12 C.F.R. 1024.36 ( Regulation X ) ** and **20 U.S.C . 1070 et seq. ( Higher Education Act ) require you to maintain and provide accurate records for all federally backed loans. To verify the legitimacy of your actions, I demand the following : 1. A complete transaction history of my account, including payments, credits, adjustments, and applied interest.

2. Documentation proving the alleged delinquencies, including all reports submitted to credit bureaus and any notices sent to me regarding these claims.

3. Confirmation that the account was paid in full and closed, along with the date and details of this final transaction.

4. Verification of your compliance with the Higher Education Act and all relevant federal regulations. 
Additionally, under 31 U.S.C. 3729 et seq. ( False Claims Act ), any misrepresentation of federally backed loan records may constitute fraud. Your failure to accurately reflect my account status violates this standard and exposes you to further liability. 
Your demand that I submit proof of payment and other documentation is unreasonable and further demonstrates your negligence. If your records are incomplete or inaccurate, that is a failure on your partnot mine. 
I expect the following actions within 15 days of this notice : 1. A full investigation and correction of your reporting practices for my account.

2. **Immediate removal of all inaccurate delinquencies from my credit report. ** 3. Formal written acknowledgment of your errors.

4. Notification to all credit bureaus of the corrected account status, including confirmation that the account was paid in full and closed.

5. Copies of all records relating to my account and these erroneous delinquencies. 
Failure to comply will leave me no choice but to escalate this matter. This includes filing additional complaints with the U.S. Department of Education and the CFPB, as well as seeking legal remedies for violations of federal law. 
This is your final notice. You have 15 days to comply. 

Sincerely, XXXX XXXX Social Security XXXX
Product: Checking or savings account

I have requested money wire from Citi bank to XXXX XXXX  on XX/XX/year>. 
Citi bank blocked this money wire, saying that account is under review. 
I have called the Citi bank 3 times to understand why the account is under review and the status of the review, but the bank refused to provide this information. 
The customer service representative keeps saying I will get a phone call about the review, but I have yet to receive any phone call from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Social Security Number : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX.XXXX. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 15-30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN : Last 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit card or prepaid card

On XX/XX/XXXX I signed up the day or so prior to the XXXX app. Or XXXX.XXXX. 

They took on new people and supposedly are working out the kinks of new people. I have not broadcasted on that site nor commented or violated their tos in anyway. When reaching out to them as to why you pay for coins or sponsorship and then arent even allowed to post on the app after they take their money / they dont respond. It was self automated saying they were very busy. Not busy to take your money and stop you from posting. Called Barclays to tell them and they sounded confused. I want my XXXX from XXXX  back since they took my money and had no response as to how as a new user I did anything wrong when I didnt even broadcast.
Product: Student loan

The information they gave me was very wrong and misleading, even though they said I do n't have to pay anything monthly, I 'm still making payments of XXXX a month, but only XXXX shows monthly on my credit profile. I felt this is a fraud and its awesome that you guys are investigating this.
Product: Mortgage

I reached out to XXXX XXXX branch manager I was interested in purchasing a commercial property located in XXXX Maryland. My business is located in XXXX Maryland I first gave the full 100 page appraisal that i paid for out of pocket {$2500.00} to mr. XXXX so he can see the whole scope of the investment because the property Who is producing {$50000.00} a year and income it already had two tenets. 

After about a week or so I got an email from Mr. XXXX saying he was unable to give me a commercial loan without explanation. 

I asked for explanation and i was then told by mr. XXXX that hes going to reach out to his senior underwriter. 

Then he told me that he would need my tax return. I gave him the profit and loss of my tax return and then i also told him that I had other means of income which was Social Security from my late husband as well as family support which my family all contribute to a savings account. 

I was told I had to get this information before I would be given a application which I later on found out that was incorrect. 

First I was told I need two years tax returns Then after i said i wanted to go through the application process then they said I needed three years.

I felt they were trying to discourage me from applying they denied me before I even applied. 

I believe this is discrimination because I am a XXXX woman on business. 

See email attachments
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Ditech has allowed the title on XXXX XXXX XXXX # XXXX XXXX NY XXXX to persist as clouded, with an outstanding incorrect lien of $ XXXX which needs to be removed so we can sell our home which sale was supposed to close two months ago. Ditech has a fiduciary duty to service the mortgage and clean the title.
Product: Debt collection

i found out about a debt owed to XXXX XXXX and XXXX XXXX ( XXXX ) after it went to collections. XXXX had a last name that i had not used in over 20 years, and they claimed that they sent several letters to notify me of the debt. Unfortunately, not only did they have my wrong last name, they had my wrong address. The only way i found out about the debt was because of a drastic drop in my credit score, prompting me to review my credit report. The problem i have with this is, XXXX is the same organization that pays me monthly through the military, and sends me annual XXXX, so i do n't understand how they could not have my correct address to properly notify me of the debt. Now it has been turned over to 3rd party collections, and the fees alone are now more than {$1200.00}. I dont mind paying the debt that i owe, but i dont feel that i should pay {$1200.00} in fees if XXXX failed to confirm receipt of debt notice. I can prove i am in their system because they have been paying my paycheck monthly, for the 24 years that i have been serving in the military.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS AGENCY IS IN VIOLATION OF 15 U.S.C 1692G. THEY WERE TO NOTIFY ME OF THIS IN WRITING 5 DAY PRIOR, I WAS NOT. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the dair credit Reporting XXXX account has # XXXX has violated my rights. 

15 USC 1681 Section 602 States thst 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 a payment on a credit care under an open end comsumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems is harbouring incorrect information about a XXXX account and balance that was paid and should be removed. Additionally I can not retrieve my report from their website. This is hindering me tremendously from being able to receive loans from banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there what is going on is I had my car repoed due to loss of work because of XXXX XXXX. I was told the balance on my account was XXXX they added an additional XXXX also couldnt refund my account back XXXX for a key they said I never gave them at the time I picked up my belongings I handed the key to the gentleman at the gate. I called Ally the day my car was auctioned on XX/XX/22 they said that they charged XXXX dollars for a key that I already had handed them in person at XXXX XXXX XXXX they should have corrected it the first time I meant Ally Auto XXXX so the credit bureaus can correct it on their end too.Also the balance is supposed to be XXXX as the correct balance of whats owed to XXXX XXXX XXXX and not XXXX0 Im waiting til Ally corrects that too with Credit Bureaus it should been XXXX subtracted by XXXX the auction balance of car which is XXXX to be corrected by Ally
Product: Credit reporting or other personal consumer reports

In the company ( CPS ) response to my previous complaint, CPS stated that they have not reported new information since XX/XX/2019 due to my bankruptcy discharge. However, they have failed to address the inaccuracies and misleading information they are they are furnishing to the Credit Reporting Agencies. CPS has also placed a Cease and Desist order, preventing any further communication attempts from my side, which hinders my ability to resolve this issue.
Product: Student loan

I've been repaying my student loans with Navient through an income-sensitive repayment ( ISR ) plan, with which I have to file a new form annually to certify my income level. 

My payment was about to go up as of XX/XX/XXXX, so in XXXX, I filed the ISR documentation. 

On XX/XX/XXXX, I received notice that my ISR materials were rejected because of the form of income certification I submitted ( tax return -- married filing jointly -- they needed a form that didn't include my spouse 's income ). 

So I resubmitted the documentation on XX/XX/XXXX ( this time, with the 2018 W9 form from the company I work for ). After submitting, the confirmation page noted that I should expect the form to be processed within 15 days. 

On XX/XX/XXXX, I contacted Navient because I noticed that I had still not received an updated payment plan from them. 

When I spoke to the customer service rep, she notified me that because I was on an Autopay plan, they could not process my ISR when it was received within 14 days of the payment due date. 

I asked to speak with a supervisor because 1 ) I submitted my first form in XXXX, then my second form on XX/XX/XXXX, so I knew that this was well within the time frame she suggested, and 2 ) I was never notified of this technicality re : the Autopay plan and the due date. All that was indicated to me when I submitted my ISR documentation was that it would be processed within 15 days. 

I was then transferred to the supervisor, Navient employee # XXXX, who reiterated that because the Autopay was scheduled for XX/XX/XXXX, the ISR could not be processed before that date. This made no sense to me. 

I expressed my frustration that this information was not made available to me at any point in the process, and that I was now going to be forced to pay a significantly higher payment this month ( over 3x what I normally pay ) because of these deceptive practices. 

She argued with me about it for some time, and even had the audacity to say that this higher payment would actually be of BENEFIT TO ME, because it would lower my principal balance. I explained that while it would indeed lower my principal, that would not benefit me if I couldn't pay my other bills. She finally agreed with me, saying, " I understand -- if you had known about this, you could've planned for it. '' Exactly. 

It's important for borrowers to maintain sovereignty over their own financial decisions, and not be deceived by information that is not made clearly available to us.
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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.
Product: Debt collection

XXXX XXXX under a collection agency of Jefferson Capital are reporting to my credit for {$300.00}. Time and time again I have reached out to this company and disputed. I asked the original company to show me proof of debt not using automated machines and this has not happened. I have disputed in emails that Jefferson Capital has sent me again asking for validation, proof that I owe this debt and I have not received this. No one is providing me with legitimate proof just responding yes you owe. This is against the law. And if we can not get this taken care of I will have to pursue this legally my rights are being violated
Product: Credit card or prepaid card

Unfair treatment by Synchrony Bank regarding a {$15000.00} disputed amount, despite irrefutable evidence provided by us. Synchrony has repeatedly sided with the " merchant '', despite evidence we have provided and despite us refuting the evidence provided by the merchant. 

XX/XX/XXXX : We filed a dispute with Synchrony. XX/XX/XXXX, The merchant was sided with due to their claim that they have tried multiple times to contact us with no success. On second & third dispute, we provided evidence to the contrary. 

XX/XX/XXXX : We filed another dispute. XX/XX/XXXX, Documents of evidence was mailed, which had been lost in XXXX network. XX/XX/XXXX, documentation was sent again. We called Synchrony bank and informed them of the situation. Evidentiary documentation was lost in XXXX network a second time ; Synchrony Bank never received our documentation. XX/XX/XXXX, email was sent to us, that the merchant has been sided with ; due to our " signing of the satisfaction completion certificate ''. On closer observation by Synchrony Bank, they would have seen that this had never been signed. Evidence provided by us in the refutation of this claim to Synchrony bank in the third dispute, had been disregarded. 

XX/XX/XXXX : We opened a third dispute. Synchrony bank received the documentation we sent for the previous dispute on XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX, we sent all conceivable documentation regarding our case. Evidence to Synchrony of the " service not rendered '' ; faulty and beyond unsatisfactory ; photos of the sewer back-up, photos from a video of the faulty job, professional evaluation of the video ( photos ), evidence showing plumbing done against code. 

Because the merchant has been continually sided with, we provided Synchrony with documentations, illustrating the merchants pattern of false statement and misleading information that has been provided to them by the merchant ; claims that they have tried to contact us multiple times without success, claims of " job completion '', claim of us signing a " certified satisfaction of completion '', claims that they have been continually working with us to come to a resolution, claims they have been following through with contacting city entities that are required to accomplish the job, etc. 

XX/XX/XXXX : an email was sent by Synchrony Bank informing that have sided with the Merchant. The merchant had reciprocated that they had finished the job. Synchrony 's email to us reciprocated the words of the merchant ; I quote, " According to our records, it does not appear an error occurred. The merchant has indicated all services were rendered Again ''. And this, despite the concrete indisputable evidence we have provided. 

We have also asked Synchrony Bank to send us photos sent to them by the merchant of underground work they did. This was stated in the letter from the merchant to Synchrony Bank in the third dispute. I have asked multiple times, they disregard what I'm asking on email, and when I've called, they don't have any information regarding this.
Product: Mortgage

I paid off my mortgage loan in full on Wednesday, XX/XX/XXXX and have not received my {$920.00} escrow refund within 20 business days as required by RESPA regulations. It has now been 28 business days and after repeated calls I am constantly told that the " check is in the mail ''. My online account activity states that the escrow funds were disbursed on XX/XX/XXXX however when I just spoke to the Mortgage company 's escrow representative they state that the funds were mailed on XX/XX/XXXX ( conveniently the 20th business day ). I stated that I just received mail today that was sent on XX/XX/XXXX by my current mortgage servicer and again told " I will receive in mail '' with no remedy on receiving these funds. I believe that this constitutes violation of RESPA regulations since the company has not offered to take any actions to expedite the delivery of funds that I should have already received. It has been very frustrating to deal with this mortgage company and I believe that they are not properly equipped/staffed to satisfy customer complaints. I stated very clearly that I felt this was a violation of RESPA and that I would place a CFPB complaint and they did not attempt to take any further actions to remedy the situation.