23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My complaint is regarding the mishandling and negligence of our home construction loan by XXXX XXXX. The primary complaint is that Homeside induced me into signing the agreement by making promises to me and my wife in regards to how Homeside would manage our construction loan. We were assured that Homeside had our best interest at heart as this was our first home build. Prior to closing, our Homeside loan consultant explained the loan disbursement process. It was explained to us that prior to any funds being disbursed, inspections would be completed on all requested draws by the bank prior to disbursement, this was not done. Lien waivers would also be required from subcontractors and material suppliers within 30 days but unfortunately, this was not done. Our contract with XXXX XXXX also states they were to do these two things. They simply were not done. As a result to this noncompliance, multiple mechanical liens were filed against our property and we were approached by many unpaid subcontractors. It became apparent to us several months into the project that our unscrupulous builder had a prior relationship with our construction manager which was never disclosed to us by XXXX XXXX. 
Unbeknownst to us it was discovered that the builder was given funds without our knowledge, his risk insurance had lapsed, and his builders license was invalid. Needless to say, all of these infractions resulted in underfunding of our construction loan and left us with gross insufficient funds to complete our home. Our counsel repeatedly reached out to Homeside to assist in rectifying our dilemma, to no avail. Lastly, XXXX XXXX falsely filed a 1098 form with the IRS, representing that we used 100 % of the loan. When in fact that was not the case as they withheld a portion until construction completion. As of today, construction is still incomplete.
Product: Checking or savings account

On XX/XX/2023 I deposited a check for {$6800.00} into my Capital One checking account. The money came from my mother 's account at XXXX XXXX in Texas. My mother died in XX/XX/2023, and I was the beneficiary on her account at XXXX, which is why I got the check. On XX/XX/2023 at XXXX I received a message from Capital One that my check had been received, which said not to destroy my check. It said the money would usually be available the next business day. On XX/XX/2023 at XXXX I received an email from Capital One that the availability of my funds have been delayed until XX/XX/2023 because " there's an increased risk that the deposit XXXX return based on confidential information that indicates the check may not be paid ''. On XX/XX/2023 at XXXX I received another email that said my check deposit was successful and that I could go ahead and destroy my check ( which I did, believing the funds would be available on XX/XX/XXXX as they told me ). On XX/XX/2023 at XXXX I received an email from Capital One saying they had delayed the availability of my {$6800.00} until XX/XX/2023 because " there's an increased risk that the deposit may return based on confidential information that indicates the check may not be paid ''. By then I had already endorsed the check to Capital One and destroyed the check ( as they told me I could ) so I couldn't try to deposit the funds elsewhere. My family has deposited many checks from my late mother 's bank accounts into various banks, and none of them have had a two month hold. Not only can I not access my money for two months, but it is not earning interest and Capital One ( now in possession of the money ) can do with it as they please. I called their customer protection line twice and they wouldn't do anything to help me, and my father called them multiple times to complain as well. When I called them, they told me they needed to " verify the check with the issuing bank '' ( Prosperity ). The first time, they couldn't get through to them, and the second time they were apparently told by Prosperity that they " don't verify checks ''. Capital One claimed that the check was suspicious because the account holder is dead ( again, we have had no problems depositing my late mother 's checks into other banks- XXXX and XXXX ) then essentially told me there was nothing they could do and then ended my call. I have never heard of a two month hold on a check. The longest hold anyone I know has experienced with large checks ( around two times larger than this ) is around 10 days.
Product: Student loan

In XX/XX/XXXX I applied for the XXXX  repayment plan for my direct student loans through studentaid.gov. My servicer is now Nelnet. I didn't get a response on the decision until XX/XX/XXXX with a letter stating my IDR was approved and I should be placed on the XXXX XXXX beginning XX/XX/XXXX. This did not happen. Nelnet instead placed my direct loans into an Income Contingent repayment ( XXXX  ) plan without my consent or knowledge. I emailed Nelnet twice asking for a correction after I discovered this and was told on XX/XX/XXXX that yes, I was approved for XXXX and XXXX would reprocess my XXXX  application. On XX/XX/XXXX I called to check the status and was told they were still working on it since it would take up to 30 days. I was told once it was reprocessed, the XXXX plan would be retroactively effective XX/XX/XXXX and any interest accrued would be adjusted. I received no communication from Nelnet and no changes were made to my loans, so I called them on XX/XX/XXXX. There was alot of confusion as to what had been done to my IDR application and it was discovered that my original XXXX approval had been canceled and I was then put on the XXXX plan. No explanation was given for why this happened and Nelnet would not reinstate the XXXX plan I had been approved for back in XXXX. I confirm the info on my original XXXX  application and was told they would process it again but not with the XX/XX/XXXX start date. They offered no other solution to me and said it would take at least XXXX weeks to process again. Meanwhile interest continues to accrue on my loans at an incorrect rate because they are still in the XXXX plan that I did not request or consent to,
Product: Credit reporting or other personal consumer reports

This account was charged off on, ( XXXX. ) Since then this account has repeatedly been updated as chargeoff every month. There is an update in the payment history. A chargeoff account should NOT include an active payment history. This inaccurate information falsely manipulate the stature of limitations. You failed to investigate this account properly and your negligence has violated my rights. I am demanding a deletion of the following account : PA XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank of America Denied my consumer transaction, I processed a consumer transaction in which i was denied, I was supplied with any information regarding the denial of my credit. I have tried to resolve this issue but unfortunately i was hit with a generic automated system that shared no information at all.
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 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 or other personal consumer reports

XXXX the balance updated is XXXX XXXX Transunion the balance updated is XXXX XXXX. XXXX the balance updated is XXXX XXXX. These are inaccuracies. 

XXXX, XXXX and Transunion do not contain last payment date. These are inaccuracies. 

XXXX has account type as debt buyer. Transunion has account type as an open account. XXXX has account type as an open account. These are inaccuracies. 

XXXX has status as collection account. Transunion does not have anything listed for status. XXXX does not have anything listed for status. These are inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I checked my credit score with Experian.It was XXXX. It should have been much higher.I found 1 problem on my account involving XXXX XXXX. In XXXX, I leased a XXXX car and the payments went to XXXX.During the 3 year lease all 36 payments were made on time.The car was a " lemon '' and  had 4 recalls during the 3 year lease including the XXXX '' death ignition which killed  at least 13 people across the U.S. and had to be replaced by the dealer. At the end of the lease I noticed spider cracks on both headlights and consulted a local automotive expert who opined that the headlight covers were defectively manufactured and prescribed some acrylic to prevent the small cracks from expanding. At the end of the lease, the car was returned to the dealer with less than 7000 miles. It had not been damaged or even nicked .There was no complaint by the dealer about the headlights. Six months later, XXXX claimed that I owed {$890.00} for the headlight covers. I wrote them a two page letter explaining the above details and they sent a letter back saying that they had written the {$890.00} off and the matter was closed. When I learned that Experian was treating this as an open account that hadn't paid since XXXX, I appealed.They responded by lowering my score to XXXX and extending the expiration date
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I visited the emergency room at XXXX XXXX XXXX XXXX in XXXX, Texas. Upon entering, I informed the receptionist, nurse, and doctor that I wanted to be told clearly up front what charges would be assessed, so I could approve or reject the service. I specifically said that I did not want any surprise bills after the fact. They all -- three separate persons -- agreed that they would do so, and that I would not receive surprise bills. And on that basis -- and only on that basis -- I entered the facility. I was told at the time that I would receive a bill for $ XXXX. I agreed to that, and later on I received and promptly paid that bill. But I was NOT told that I would receive an additional bill of {$690.00}. So when that improper and unauthorized bill came, I refused to pay it. 

Sending that bill was plainly and simply a breach of contract. I did not -- and do not -- consider it appropriate for a hospital or any other service provider to make up whatever dollar mount feels right to them and then demand that it be paid after the fact, without giving advance notice to the customer and without getting the customer 's agreement -- particular after making a promise to do so and agreeing not to send bills without first doing so. 

XXXX XXXX called several times to collect this payment, and I plainly stated my position. They then referred the matter to Arcadia Recovery Bureau, and again I plainly stated my position. I do believe that a service provider, or debt collector, acting in good faith would have agreed that sending a bill in violation of a promise constitutes a breach of contract and would have accordingly voided the bill. 

Therefore, I was dismayed to learn recently that Arcadia Recovery Bureau reported the non-payment to all three credit bureaus. I then subsequently lodged disputes at all three credit bureaus, but I have been disappointed to learn that XXXX and XXXX  have since affirmed the adverse account. 

This disappointment stems from two foundations : First, as a substantive matter, as stated above, I think the charges are legally unenforceable, plain and simple, and should not be levied against me. But second, and more troubling, neither XXXX  nor XXXX  apparently even considered the substance of my dispute. Instead, the entirety of their process included asking Arcadia whether they agreed with my position. Predictably, then did not -- and apparently in the face of such a self-serving statement, backed by no evidence and without any assessment of credibility, XXXX  and XXXX  determined that the creditor ought to be believed over the consumer. 

What happened here was wrong. It simply can not be the case that a service provider can make up an unauthorized bill -- breaching its own contract to do so -- and then harm the consumer 's credit when the consumer refuses to pay it. Therefore, the adverse account should be removed from my credit report.
Product: Credit card

I received a series of calls and an email to activate a Citibank commercial credit card that I neither received nor applied for at any time in the past. 

According to the " Citi Commercial Cards Team '' : We recently sent you a new, Citi Chip and PIN card to replace your old, magnetic stripe card. Our records indicate that you have not yet activated your card and selected a XXXX-digit PIN. 
To activate your card, call toll-free XXXX or visit XXXX.citimanager.com/corporateWhen I called, I was put on hold for a " XXXX '' and no one ever came back on the lie for XXXX-minutes. 

I suspect that either I am a victim of identity theft, and/or some form of scam - as I can not get a response from the people who claim to have issued this card. There is some big mistake in their issuing a card to someone else, or this is a scam/fraud that needs to be resolved.
Product: Checking or savings account

I went into my account because I received an email that said I was overdrawn. So, I did a Reconcile of my account 3 times. Each time I came up with a missing balance of {$1400.00}. There are no transactions showing where this money went. They even went so far as to move one of my transactions from the XXXX to the XXXX. The representative was even calling out transactions that did not appear in my account.
Product: Student loan

Good afternoon, I was a student at the XXXX XXXX of Washington DC branch and was a student there for 3 9 week quarters starting from XX/XX/XXXX ending XX/XX/XXXX. Unfortunately the school closed back in XX/XX/XXXX Im not sure why this location was closed however after doing some research Ive read there multiple branches closing due to fraudulent activity. I wanted to make sure that I wasnt a victim of it. 

I wasnt a student there for a whole year and want to the lender to provide all paperwork regarding this private loan. I dont have any information as to whether or not I received a refund check due to me withdrawing.
Product: Credit reporting or other personal consumer reports

These accounts are infringing on my right to privacy granted to me by The Privacy Act of 1974 ( 5 U.S.C. 552a ) is a federal law that establishes a code of fair information practices for federal agencies, governing the collection, maintenance, use, and dissemination of information about individuals.

These accounts are in violation of The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that protects the privacy of student education records, granting parents and eligible students the right to inspect and review these records, request corrections, and control the disclosure of personally identifiable information. I do not give these accounts permission to furnish information on my consumer report Student loans. 16 CFR 313.7 opt out notice Per 5 USC 552a, 20 usc 1232 g and 34 CFR 99 STUDENT loans 5 USC 552a 20 usc 1232 g 34 CFR 99 I want the remarks on the these account removed from my consumer report. Accounts DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX By 16 CFR 313.7 I opt out from these account reporting on my consumer report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, under the FCRA, section XXXX, I certified postal mailed XXXX, XXXX, and XXXX, disputing item : This item, Bridgecrest XXXX XXXX XXXX, with a balance of {$9900.00}, should be removed from my credit report, immediately. listed on my credit report. I requested they provide contracts and/or a lease with my signature. Only XXXX and XXXX stated the information was verified by the Creditor, but they failed to provide the requested documentation or provide their method of verification. XXXX removed it from my credit report file. 

On XX/XX/year>, I certified postal mailed XXXX, and XXXX, and stated that I believe my identity has been compromised, I have reported this issue to the FTC, and I have placed security alerts around my credit. I am requesting that these incorrect items be removed. They did not respond. 

On XX/XX/year>, under law under law 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I certified postal mailed XXXX, and XXXX, stating that Bridgecrest XXXX XXXX Time, has failed to provide validated and verified documentation, within 30 days, to prove the item ( s ) are accurate. They stated the information was verified by the Creditor, but they failed to provide the requested documentation or provide their method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a new credit account on XX/XX/XXXX with PNC Bank where I have a number of bank accounts, credit, checking, personal and business. I never received any bills, notices, etc. for the account and payment due. The last amount of approximately {$250.00}. 

I found out the week of XX/XX/XXXX while applying for a mortgage that the bank had reported to the credit bureaus that I was 30 to 60 days past due. I logged on to my virtual wallet account at PNC and could not find the account in question as it did not show up in my virtual wallet that I set up with PNC personnel for all of my accounts. I worked with PNC personnel to try and find the account information. After searching PNC customer service figured out where the account information was located. I paid the amount due on theXX/XX/XXXX paying {$440.00} as a transfer from one account to the other. The Customer Service person indicated that they had the wrong email address for my communications and had that PNC never set up my virtual wallet account, etc. The account was supposed to be in my virtual wallet and autopay, the bank never put the account in the wallet as the other accounts. There was plenty of money in the accounts to pay the bill. The account is now in my virtual wallet however I still can not see any bills due, detail, etc. 

After I spoke spoke to PNC Customer Service I spoke on theXX/XX/XXXX to the PNC Collection Department and they said that they showed the payment, and said that they would reverse the late fee and interest {$65.00} in late fees and {$3.00} interest total, but have not done so and it is not in the pending transactions, for the mistake. They also are not removing the negative information from the credit bureaus as the person said that they could not do it even though PNC personnel failed to set up the account properly. I am damaged as my credit report for a new mortgage shows this negative information and as a single mom who has never missed paying a bill may have to sell my house if I can't get a mortgage.
Product: Debt collection

XX/XX/2023 I contacted XXXX XXXX due to a collection item that appeared on my credit. XXXX XXXX representative transferred me to financial department. I spoke with representative resolve issue by paying balance. XXXX XXXX told it will take a couple of days but I will receive the letter by email. four days later, I did receive the letter confirming they received my payment, and it was resolved and paid in full. Three weeks later, I reviewed my credit report. The item is still appearing unpaid and credit score decreased XXXX more points. After reviewing it, I had submitted a dispute when it was completed the credit bureaus reported back Account information disputed by consumer, meets FCRA requirements. I contacted them again and told them that it continues to be reported incorrectly to my credit. They told me they have already contacted the collection agency but they told me it should not have an ever been sent to a collection agency. And my score keeps decreasing because of this and they refuse to correct the error.
Product: Credit reporting

Equifax has been changing my credit score constantly is in the XXXX now and a month ago it was XXXX. And in a month it dropped XXXX points and I do n't understand how that 's possible no changes were made. There is an account on listed shown as XXXX that has been closed and should be removed. There is a current in beat that is open and that is current and correct. Also there is XXXX that 's been on there for a very long time that 's been paid off and should not be on there. Well I am making a complaint XXXX has failed to show any credit score of mine at all. Please help me figure out why they are doing this to me thank you.
Product: Checking or savings account

Beginning in XX/XX/XXXX I reported to Bank of America multiple recurring fraudulent charges to my checking account dated back to XX/XX/XXXX. I've made over 20 phone calls to BoA. I opened multiple claims, provided all requested info over the phone, and faxed in 41 pages of evidence to prove I am the victim of fraud. This includes a police report, complaints with multiple other federal agencies, and another CFPB complaint ( XXXX ). After placing the cited CFPB complaint, the 2 claims cited there were permanently refunded ( with no explanation and no contact ). BoA still owes me {$30.00} and refuses to help me neither on the phone or at a local branch. BoA claim XXXX for {$29.00} is still outstanding. It was not included in the original CFPB complaint because I was not yet notified that it was denied. For this claim, I am only requesting {$29.00} of the {$61.00} denied. I fully explain this in my attached letter, which was sent to BoA through a bank center on XXXX XX/XX/XXXX. Please help me close this out.