23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

When I opened a new checking account with Citibank, they were unable to verify my external checking out through login. I was advised I would have to do trial deposits and that the initial funding would not go through. Later, after confirming the trial deposits and seeing no pending transfers, I initiated the initial funding through the external account in the amount of {$15000.00}. Later, Citi then initiated XXXX withdrawals of {$15000.00}. The second led to an NSF fee and I received an e-mail that they planned on re-initiating it. I called in and they promised they had canceled that attempt. The attempt did not appear on Citi 's website for me to cancel. However, Citi then initiated this transfer again, leading to another NSF fee from my external account. 

Additionally, due to issues in product integration, Citi conducts verification and sends out account information piecemeal. Citi refused to accept a signed affidavit as proof of identity/residence, insisting on utility bills that are n't in my name ( since I 'm a full-time student ). Then, Citi blamed me when the provider ( XXXX XXXX XXXX ) would not talk to them about the account. Moreover, Citi 's refusal to provide appropriate information and integrate verification meant that once I activated the debit card I was mailed, I was instantly blocked from online access since I had n't been provided a PIN and I had n't been provided my full bank account number yet ( I needed both to login ). Citi customer service could not provider or create either. This failure of integration meant that I did not have access to Citi online, including my unrelated and existing Credit Card ( Citi Double Cash ). I believe this denial of access to current balance, transactions, and previous statements based on a checking account is a violation of the Electronic Statements agreement between me and Citi and the XXXX XXXX. Even in the most liberal reading, the Electronic Statements agreement requires notice of termination of online access. 

I had upwards of 10 phone calls related to this issue and met with a Branch Manager. Finally, I was able to get a " Level II '' Supervisor from Citi who instructed me to call her direct line while in branch with a branch manager. I finally have access to view my online accounts while I wait for the New Accounts Team to process their request to unblock my account. I have not been able to get any resolution on receiving compensation for the overdrafts.
Product: Mortgage

In XXXX, 2022, we submitted a request to cancel our PMI insurance as we believed that our home value had increased enough to cancel this. We paid the fee for the appraisal through our lender PHH mortgage and they were supposed to submit the request to an appraiser. After two months, we still had not heard back and contacted PHH again. They assured us they were working on finding the appraiser. Our appraisal was completed and submitted to them on XX/XX/2022. On XX/XX/2022 we submitted a request to see the appraisal. We were told they would respond to our request in ten business days. We did not hear back. We contacted PHH again on XX/XX/2022 and spoke with an escalation manager who told us we would hear back within three business days. Again we did not hear back from them. On XX/XX/2022 we called PHH again asking for a resolution and a copy of the appraisal. We were told that they could not provide either of those at this time, and the PMI department was unreachable. We were also told that the PMI department could decide that our appraisal had expired at any time starting the process over. This has been going on for almost six months with no resolution and we continue to pay PMI and have not seen a copy of the appraisal. We have contacted PHH many times, and can not get this resolved.
Product: Debt collection

OneMain credit has been charged off and has been filed in bankruptcy XX/XX/year> Account Number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and am exercising my rights under the Fair Credit Reporting Act ( FCRA ). As a result, I am requesting that the following accounts be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The accounts that need to be blocked and deleted are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My consumer report has been improperly used and my rights have been violated. 
In accordance to 15 USC 6801,6802. I was supposed to be given appropriate notices to report anything on my consumer report and then be given the option to opt in or opt out of allowing that information to be reported to my consumer report and then be given the exact process to be able to opt out securely.

This information is an invasion of my privacy rights.

The Granm Leach Billey Act 15 USC 6802 states that I as a consumer should receive a notice and that this information can not be reported in public, it is my personal information and the listed items below should be removed immediately because I never received a notice nor did I give my permission to anyone. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I never received NOTICE or gave anyone PERMISSION. Remove these items from my consumer file.
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Mortgage

I lost my Job and fell behind in my payments. I went and filed a XXXX  XXXX Bankruptcy ( 100 % debt to be paid ) I have received a 100 % P & T rating from the VA for my service-connected XXXX and this is my income at this point. 

Newrez ( XXXX ) mortgage services have been misapplying funds from my payments and trustee payments. They show they have received more funds than the trustee has sent. ( The trustee sent the last payment to them in XXXX of XXXX as payment in full based on their claim ) My Escrow account XXXX XXXX had a surplus of over {$3500.00} in it. They did a second review and reduced it by {$2000.00} stating it was funds paid by the trustee and thus they can not give them to me. this was XX/XX/XXXX. I protested it, but at the recommendation of my Attorney, I decided to wait until my case was discharged. Now my Escrow has yet again had money removed from it. My XX/XX/XXXX statement showed I had an escrow balance of {$3300.00} in it. It also shows I am current on my XXXX XXXX payments. My XX/XX/XXXX statement now shows my escrow account has a balance of {$2900.00}. I called today ( XX/XX/XXXX ) to discuss this shortage and found they moved {$660.00} from my escrow account to a suspense balance account. ( partial payment ( unapplied ) ) I can see that in my statement. 

I asked why this money had been removed and was told it was fees paid by the trustee to them that were not applied correctly. ( same thing as Fall of XXXX ) My XXXX  XXXX shows they claimed {$17000.00} ( as stated, the last payment for that amount was sent in XX/XX/XXXX ) Newrez shows they have received {$18000.00} from the trustee with another {$1400.00} still due. Although I have made my last payment to the trustee and expect to receive my actual discharge within the next few days. 

At this point from what I can tell Newrez has taken {$2000.00} from my escrow in XXXX and has now taken an additional {$660.00} ( so far ) from my XXXX Escrow. Totaling {$2700.00} When I ask to speak to the escrow and/or BK departments that are the ones Newrez claims are making these adjustments, I am told they do NOT speak with customers. 

I was told in XX/XX/XXXX that my account was " fixed '' Now in XX/XX/XXXX they have to " fix it '' yet again. In the end, It looks like they are mismanaging my accounts ( Mortgage, Escrow, BK ) and hiding money to take advantage of someone who is just trying to ( and has ) make up for losing my job.
Product: Bank account or service

On XXXX XXXX, 2016 I called Wells Fargo about depositing my {$1000.00} loan from my XXXX check. I was told that it would be added to my balance on the following day. I deposited the check and the bank added the check that morning and then removed it from my balance telling me that the check had been returned. I then contacted XXXX, my XXXX company and asked for a explanation. I was told that they did not have any problems on their end. So I contacted the bank and let them know what was going on. The bank told me that my check would be released the next business day. However, I came to find out that wells Fargo has placed an extended hold on my check so that it does n't get released until XXXX XXXX. This is ridiculous and then the bank told me that it was nothing I could do and I could not get the check back and that I would have to ride it out. I told them that it was an emergency and that I would n't have done it if I could wait until the XXXX. However they told me that I could n't do anything about it. I spoke with a supervisor who basically laughed and said " We have had problems with this company before, so you will have to wait ''. This is not a normal bank practice and I am angry. I do n't believe that this is a normal business practice. I have had bank accounts with several other banks where the customer is not lied to like this. My check was not returned. I received the cashed information from XXXX, where the check was cashed XXXX/XXXX/16 and paid.
Product: Credit card

Synchrony bank randomly closed my Amazon credit card because I supposedly submitted a " Stop payment '' on two of my payments. I did NOT submit a stop payment. My account was being paid. I used my Amazon card OFTEN for groceries and business use and I was planning on continuing to use it regularly for many years to come ( they're losing out on a lot of money... ). I was never notified of this weird clerical error until after they closed the account and the ding on my credit report showed up through my credit monitoring software. 

I did try to resolve this by first calling Synchrony and asking them to resolve THEIR MISTAKE. They wouldn't help. I contacted my bank, to ask if any stop payments had been erroneously made, and they had no record of any stop payments being made ; unfortunately, there was no way to resolve this without a transaction number or something from Synchrony. I work two jobs and don't have time to go down to the bank and go back and forth between the two companies because of a mistake SYNCHRONY made. 

Synchrony closed my account that was in good standing and completely tanked my credit score, right when I was trying to lower my cost of living by moving to a new apartment. This causing me to not be able to move to a cheaper apartment because it brought my score too low. 

Towards XXXXXXXX XXXX, I had a better financial situation, and was able to completely pay off both cards I had through them ( Care Credit and Amazon ) . It wasn't even a total of {$4000.00}. The care credit debt was from XX/XX/year> WHEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Today, XX/XX/year>, I got a letter in my e-mail stating that my account had been closed for " highest ratio of balance to credit limit over the last 3 months is too high on this account '' ( again, this card was PAID OFF ). " Recent delinquency on this account '' ( I had a balance of {$17.00} that I was unaware of AFTER I had paid it off, that I paid right away when I saw it ). " The number of months since this account was opened is too low '' ( What? ) and " The percentage of times payment was greater than amount due on this account over last 12 months is too low '' ( Again... what? ) This company 's policies are predatory and they do not try to work with you to resolve issues before they arise. They made no effort to contact me before closing my accounts by phone or by mail ( and I didn't receive any e-mail notifications, even though I have it setup to do so! ) Unacceptable.
Product: Student loan

On XX/XX/XXXX I consolidated 26 federal loans into one loan. The amount of the loans totals {$290000.00}. I have applied for Public Service Loan Forgiveness ( PSLF ). I have worked in public service since XXXX and have provided employee certification. Prior to consolidation I had 24 months credited for PSLF under the Cares Act waiver since XX/XX/XXXX. I have been waiting for review of my loans that are from XXXX for the recently announced waiver since XX/XX/XXXX. I spoke with a Fed Loan representative in XX/XX/XXXX and they went through various inaccuracies on my loan accounts ( in-school deferments not accurate and prior payments not being counted ). Fed Loan stated that they would submit to Department of Education for a manual review but it could take months. 
In XXXX of XXXX I decided to consolidate my loans so that I could get the highest payment counts once the waiver was applied. The consolidation went through fine. I then however, received the attached letter indicating my account had been reviewed under the waiver and now I only have 2 months! I inquired about this error and received a confirmation letter ( attached ) that is was accurate. 
I absolutely know that this is an incorrect count. My loans have not been processed under the waiver or there is something terribly wrong. These types of communications cause extreme anxiety and stress and I do not know what other options I have to get this corrected since Fed Loan is indicating that it is correct. I can not get anyone to respond via emails and social media direct messages. They do not answer their phone for hours so that is not realistically an option. 
I am just looking to have accurate communication. I realize applying the waiver takes time and I fully anticipate once it is applied there will still be inaccuracies that I will need to address but these types of communications are irresponsible at best. 
Thank you for your assistance on behalf of myself and all XXXX XXXX borrowers.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX i opened a credit card with XXXX XXXX XXXX. 
the inquiry should fall off in XX/XX/XXXX however Experian told me that it will fall off in XX/XX/XXXX. 

I feel the inquiry should fall of in XXXX of XXXX since that would mean its 24 months old
Product: Checking or savings account

Chase bank closed my account at XXXX XXXX XXXX, no notice, no written notice, nothing, app still looks like my account is fine, they will not let me withdraw my money ( yes balance is positive ) nothing. Husband went to branch, they said 'we have the right to close your account, we are not telling you why ' we asked if we could have money for food, no, we have a XXXX year old who had nothing to eat.
Product: Debt collection

The company in question here Gurstel Law Firm , P.C . claiming to be representing XXXX XXXX I, XXXX who was claiming to be representing XXXX XXXX XXXX XXXX, has recently served opened documentation containing my personal information as well as false claims of judgments and debts against me with an order of wages garnishments to a place of business where I frequent which may or may not necessarily be my place of employment and even if it was, they have violated my rights. Both companies have been harassing me for many years without meeting my requests and this must stop. They are trying to collect a debt supposedly dated prior to XXXX  which may or may not exist and may or may not belong to myself as they have never provided me with proof of veracity of such debt neither they have been able to proof evidence of such debt matching my identity despite several requests from myself and from my attorney asking them to provide us with the original documentation and/or acceptable evidence of their claims. They have gone as far as filing a judgment in XXXX  against me which I was never served for nor they have any rights of doing so without substancial proof of their claims. Their latest actions have gone too far! They have recently served opened documents containing my personal information an the claims of the debt, to a place that may or may not be my place of employment trying to garnish my wages, causing me a lot of aggravation and also violating my rights. These 2 companies have broke many laws which are made to protect consumers and they must be stopped! By the amount of complaints filled against these companies, is pretty clear that their existence depend solely on predatory business against consumers and collections thru force and harassments.
Product: Mortgage

I was looking for a refinance for my existing mortgage on XX/XX/2019.  LoanDepot contacted me and gave me an offer. Then I provided all my basic information to double confirm if I was eligible for the XX/XX/XXXX ARM rate they offered. I was told I was OK. Then they started a credit check and I double checked with them before appraisal whether my credit was fine for this rate and got confirmed. However, after appraisal, they told me my credit history was less than 2 years so they needed to increase my rate. Then they refused to refund my appraisal fee if I didn't agree with the new rate. My credit history was the very basic factor that was clearly shown on my credit report and I already double confirmed with them ; They should know this at the beginning, but they still ordered the appraisal. I suspect it was their strategy to trap customer. Customers should not pay for their unprofessional consequence.
Product: Student loan

XXXX University, XXXX NY XXXX XXXX, XXXX, XXXX have been repaying my student loans for 10years. Between my federal and private loan payments the payments have been in excess of XXXX, ( private being XXXX ). Recently, I extended the terms of my private loans to lower the payments ( now XXXX in addition to {$280.00} federal payment ). I also took a significant pay cut and am living on my credit cards in order to pay for this and my healthcare plan. I have diligently paid the entire principal + {$20000.00} and they want an additional {$50000.00}. That is 170 % return on the borrowed funds. I do not understand why this is fair or unregulated. A mortgage with these terms would not happen unless I had the worst credit, and I have well above XXXX credit score. It is unsecured debt and I have done my duty. I do not think that NavientXXXX should be able to continue to hold this account in debt. I offered a settlement that was VERY REASONABLE ( 40 % of remaining balance ) and they declined the offer because my account is in good standing. They told me they will only consider settling my account if I stop paying, ruin my credit, become deliquent client for an extended length of time. Of course this makes even less sense to me. Please help me to get a fair settlement attained for this debt.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$0.00}
Product: Vehicle loan or lease

I received a letter from ALLY Financial dated XX/XX/2021 regarding a due amount. Upon receipt, I mailed a validation and cease and desist letter to them by certified mail dated XX/XX/2021 to the address listed on the letter. After 10 days of waiting, no return receipt. I then mailed another validation and cease and desist letter to them by certified mail dated XX/XX/2021 to a different address. I finally received the returned receipt for both letters stamped XX/XX/2021 as the date of delivery. After that time I continued to receive numerous calls even when I demanded them to stop calling, I was told that they did not have a cease and desist on file. This has been very stressful for me and has made it difficult for me to keep up with my work.
Product: Credit reporting or other personal consumer reports

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. The names XXXX, XXXX, XXXX Addresses. Only the address XXXX XXXX XXXX XXXX XXXX XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the birthdate/year of birth field YEAR OF BIRTH XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my consumer report. XXXX XXXX XXXXXXXX XXXX XXXX This account was opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) this account was created on mistaken identity, this account is not mine. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of XXXX XXXX XXXX company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity