23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loans are in default. XXXX & Fed Loans turned over my student loan debt to a collections company in Arizona known as XXXX XXXX XXXX. I have made numerous calls to the firm to no avail. I have waited on hold for hours for no answer. I did receive one answer and was promised a call back which I never received. I am trying to get my loans out of default and avoid the attorney fees which added roughly {$15000.00} additional dollars to my debt. 
My debt span is {$37000.00} the loan origination dates ranged from XXXX
Product: Debt collection

Hello, This happened multiple times with XXXX. They send a debt collection even when the account has been closed. I have called them and made sure my account had no balance before closing the account. I then received a debt collection notice. I disputed the collection from an agency and it was approved with XXXX. XXXX then sent the collection to another agency and reported it on XXXX this time. I went in one of their stores and made sure I had no previous balance. However, XXXX keeps sending debt collections. I have spoken with other past customers and apparently it is a running problem with them. They steal from people. I attached the past dispute I had resolved, and again I have a new one years after. I do not even have XXXX services.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I opened a XXXX with Synchrony Bank online a year or so ago. On XX/XX/year>, five days before the maturity date on the CD, I logged into my online account with Synchrony to instruct it to close the CD at maturity and to send me the proceeds at the address of record for the account. Upon doing so, I learned that there is no way to convey this instruction to Synchrony online. Literally, the only maturity instruction that the website provides is to renew the CD with Synchrony. I called the customer service number provided online and was informed that the only way that Synchrony would close the account at maturity is if I accepted a text from Synchrony AND recorded and returned to Synchrony a video of my face and a photo of my drivers license. I was then informed that Synchrony could not even do that because its system would not allow the representative to send a text to my cellphone number. I objected ( strongly ) and was informed repeatedly that this is the " only '' way to close a CD at Synchrony. 

After demanding intervention from a supervisor and waiting for an inappropriate amount of time on hold, the customer service representative all of sudden discovered another way to close my CD at maturity. She also miraculously discovered how to send a text to my cellphone number with a security code for me to read back to her. 

I believe that Synchrony deliberately makes it frustrating and difficult to close an account to deter customers from doing so. This is harassment and, among other things, clearly is an unfair and deceptive trade practice. Frankly, this should form the basis of a consumer class action against Synchrony.
Product: Mortgage

Hello, I am writing you again to request funds for the rebuild on our home. 

My wife and I have been calling for 2 months, requesting the release of funds for the rebuild on our home. 

Each time we call we are told that a request for funds has been entered and will be released. We called on Monday, XX/XX/XXXX and were told that the request had been made and funds were approved for release. We were told today that the request had been denied on Friday, XX/XX/XXXX, and no explanation was provided. 

I spoke to a gentleman on Monday, XX/XX/XXXX once again requesting funds to be released. We were told an inspection would need to be done again, although no further work has been completed on the home, and we have scheduled a new inspection. 

My wife and I are VERY upset over this situation. We have continued to request funds for the additional DEMOLITION and REBUILD. We continue to be DENIED the money needed to complete the demolition and rebuild. 

We are demanding an explanation. Our XXXX XXXX XXXX and Agent have been alerted to the fact that funds are not being released according to the agreement of our contract, in addition to withholding the overage in excess of {$25000.00}. 

To remind you, my wife has XXXX and is scheduled for XXXX on Friday. You are creating a horrific hardship on our family and impacting the XXXX  of my wife. We have a daughter with XXXX and XXXX other children who need to go home. 

If you continue to withhold our money, you will force us into foreclosure as our XXXX  money will run out, and we can not afford to pay rent and a mortgage. 

This lack of communication and inconsistency with your reps is resulting in the delay of repairs to our home. RELEASE OUR FUND of {$380000.00}. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while I was oversees serving in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX.  During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX 1. XX/XX/XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking this CRA to provide a consumer credit report since XX/XX/2021. With each request, I provided my Identification, a current utility bill and also my social security card. equifax continues to IGNORE my request. I have sent in a request 4 times with identifying information only to be denied my consumer report. Also, they will not allow me to access my consumer report online. I also provided proof to this CRA about the numerous unauthorized inquiries on my report only for them to tell me, inquiries are a factual report, which we all know is another LIE
Product: Debt collection

I had a situation where a tree fell on my house it was paid by the insurance all of the debt and they are still saying that I owe XXXX when I do n't owe anything this was a year ago I have contacted them recently because no one reached out o me and told me that I had a balance when it was told to me that it would be paid in full by the insurance. Even when I called them to confirm because they where saying it would n't be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Only XXXX reporting all accounts. XXXX not reporting correctly. Almost 40 points difference from other bureaus
Product: Mortgage

On our initial meeting with Movement Mortgage on XX/XX/2016, they presented their closing cost estimate and our interest rate of 3.75 %. They noted that because my wife is employed by XXXX that we would receive a {$2000.00} credit towards closing. They wrote this on our paperwork they gave us which is clearly visible on the attachment, and XXXX also shows this credit on their employee discount webpage which we have enclosed as well. Fast forward 1 month and we find out our expected closing date of XX/XX/2016 has been pushed back to XX/XX/2016. We decide to let our rate lock expire and we will relock 60 days out around XX/XX/2016. On XX/XX/2016 we relock in at 3.75 % for 60 days which will give us a few days of cushion beyond XX/XX/2016 closing date in case anything happens and we dont close on time. On XX/XX/2016 when we are supposed to get our closing disclosure to meet the 3 day obligation, we hear from Movement that our rate and our product are no longer available. They claim because the Fed increased the rates that our interest rate had increased as well and there was nothing else they could do. They said this occurred sometime in XX/XX/XXXX but could not give specifics. They then said our new rate was 4.375 %. After some back and forth with the local loan officer, her boss, and his boss ( the top local boss ), we are put in touch with the corporate office where we present our attached timeline and letter. Within a couple of hours, the corporate boss calls us back and says they will honor our 3.75 % rate. We go to close on the XX/XX/2016 but we do not see our original {$2000.00} closing credit. 2 weeks later after moving and settling in, we email and call the local big boss about the credit. He does not respond to the email and is rude to my wife saying they had already done enough on getting us a great deal that we were not entitled to since our product did not exist anymore. It is our belief that the loan officer was negligent in locking in our rate at 3.75 % on XX/XX/2016 despite our repeated attempts for confirmation and her each time saying it was locked. We believe she, along with her boss and his boss all conspired to cover up this mistake by saying our product no longer existed and that we were stuck with the new higher rate, take it or leave it. We believe they fully agreed to our closing cost estimate and that it is not our fault they made a mistake and are trying to minimize their losses by eliminating the closing credit.
Product: Bank account or service

I opened a new account but had an account with husband teller knew and i gave her XXXX coupon for opening bank she said I can use now everyone is having a problem giving it to me now.It was promised to me and I never received
Product: Debt collection

Service Finance released funds to a vendor without my consent knowing I did not receive the product ( hurricane sliding doors ) They paid a vendor XXXX XXXX XXXX XXXX XXXXXXXX ) {$27000.00}. I still do not have the product but Service Finance has sent me to collections. I have made multiple attempts to seek resolution. Service Finance has now closed the account and called the debt a charge off. This issue has been ongoing since XX/XX/2022. I am being expected to pay off a debt of {$27000.00} for a product I did not receive. 
I believe Service Finance relies on the business of XXXX XXXX XXXX  XXXX and has ignored my requests for assistance in resolving this matter. I believe they knowingly paid XXXX XXXX XXXX  XXXX despite my active dispute and claim that I did not receive the doors. 
The only calls I have received from Service Finance were to remind me that I was expected to make a payment. As I have stated on multiple calls, I never received my doors from XXXX XXXX XXXX XXXXXXXX. Despite providing those details to Service Finance, the funds were paid to XXXX  without proof of product delivery in XX/XX/2022. This was after supposed delivery in XXXX of XXXX  and repeated calls to Service Finance instructing them not to release the funds. XXXX XXXX XXXX XXXX ignored my calls, demand letters from an attorney, emails. 
XXXX needs to refund Service Finance. I will not pay for doors I never received, Calls I receive from Service Finance are either answered or called back. I speak with every agent and share that I have a complaint under review at Service Finance. There are calls that I miss or can not answer however, it is egregiously false to suggest I do not reply or respond. I have call records to show that to be false. The emails I receive are from a " do not reply '' email. 
I have never received a call from XXXX XXXX XXXX  XXXX. XXXX stated that I refused to speak with the contractor and my complaint file was closed. That is false. XXXX has not contacted me. 
As attached in my original complaint, I filed a complaint with the Florida Professional Board.
Product: Bank account or service

We have XXXX Business accounts with BB & T and for the most part all has gone well for about 13 years. Two days ago we were hit with what the Police called XXXX. It was a XXXX. My first call after the police was to BB & T. The fraud people were understanding as I was very shakey and upset. I authorized the closing of XXXX of the XXXX accounts but did NOT authorize the closing of the operating account as I had to get to XXXX ASAP to say good bye to my Father who is in XXXX. I already had planr, car and hotel reservations made and would need the debit card when I arrived in XXXX. The XXXX happened on Saturday night of a 3 day weekend and the banks were closed today being Monday. The fraud people were explained that I would have to go in person to the bank to get a new card and since the local branches did n't open until XXXX and I had to be at the airport by XXXX I was given the address and phone number of the branch closest to the XXXX airport. It was agreed that BB & T would keep the account open until I picked up the rental car in XXXX and gor to the Branch to pick up a temporary card. I thought all was well until this morning when I tried to get gas and discovered the account was locked. I have spent the entire day trying to get BB & T to unlock the account. This morning at XXXX I waas told by customer service that he would have to investigate before opening the account but that he would call me no later than XXXX. When he did n't call I tried to call again to discover that he had left for the day. around XXXX I reached someone named XXXX who said he was a supervisor in customer service and that it was his decision not to release the account and that he had notified the fraud department of his decision. He then disconnected the call. In a XXXX, I called the Fraud people back and explained that after multiple calls, always getting different people, being on hold until the call disconnected I was getting desperate. IN the meantime I found out that my Father was worse. I considered delaying the trip one day but without the card I ca n't change the reservations and now realized that if I did n't get there tomorrow afternoon I might not see him alive. The fraud people said their hands were tied. XXXX stayed over an hour after she was due to go home trying to get someone to release the account without succeeding. 
We are XXXX and this is a Business account. We do n't use credit and have no other cards. We have only the money in our pockets. I have no way to get to the branch in XXXX without a car. It is beyond belief that the bank has no one on call with the authority to handle this kind of emergency. I feel like first I was victimized by the XXXX but even worse now I am being victimized bt the bank I trusted. Whose side are they on?
Product: Credit card or prepaid card

Barclay Credit Card had a ACH taken out on my checking account on XX/XX/XXXX. 
The next day they had a nationwide system glitch and tried to take payment again on XX/XX/XXXX My bank didn't pay the second time due to funds not being available. 
Barclay then did a reversal for duplicate payment ( there was never a duplicate payment ) on XX/XX/XXXX My bank sent payment back to Barclay on XX/XX/XXXX through the Federal Reserve System for retrieval. 

Barclay states they can't find the payment.

I have faxed all the information from the bank to them with no resolution. I have been trying to get this resolved since XX/XX/XXXX to no avail. I have been charged late fees and finance charges on my account due to this. The majority of the fees have been removed but I was just charged {$65.00} finance charge on XX/XX/XXXX that no one can remove because they can't find payment that was sent back. 

Barclay still shows me owing the amount of XXXX which is not in my bank account. I have a copy of all the banking information. 

I need someone to please help me resolve this issue. I don't want this affecting my credit report. 

I have also filed a complaint with the Better Business Bureau. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started looking at my credit scores because Im trying to get a car for my family since Im waiting for a kid and I just noticed that the account : XXXX # XXXX on my credit report did report me as late payments during a hardship I had when I went homeless during COVID-19. I talked to them and came to an agreement and they said they would not report my payments as late if I paid the account which I did pay it in full and they just lied to me and violated my rights and I know I have the right to dispute any account that is not accurate and affects me in my personal life according to the law. Besides, it has errors in the reporting of those late payments since theyre not consistent they say 90 twice and on two months has no reporting. So it is inaccurate.
Product: Prepaid card

The merchant put a {$50.00} hold on my card, as a deposit at a hotel. The card company made a mistake and held {$350.00}. The merchant and myself both told AmEx that this was a mistake but Amex isnt listening. Now my account is {$250.00} negative, despite that the hotel " forced the transaction '' and made it a charge of {$53.00}. Amex still isnt acknowledging the mistake or willing to fix it. The merchant even told them it was a mistake and tried to do everything they could to correct it but Amex refuses to make any corrections.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX  car from XXXX car dealer in XXXX, name is XXXX XXXX XXXX. 
My loan term is 7 and 1/2 year that is 90 months, I paid {$1000.00} down. 
My installment is {$360.00}, which I find it very high interest rate. 
I feel I have been paying very high interest rate, because I am XXXX. ( like XXXX XXXX XXXX XXXX ). they have  discriminated against me. 
Can you please help? 
date of purchase XX/XX/2017
Product: Debt collection

Received multiple phone calls from people identifying themselves as from a " portfolio group '' and that I had passed a bad check with my SSN on it. I have n't had checks or written a check in over 8 years. Other information online reports similar ridiculous claims and harassment. They call multiple times a day from different cities and states. Continued harassment will result in legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2017 XXXX XXXX informed me that my Credit Card had been used fraudulantly, they reversed charges and did not explain the fraud. This is an account I almost never use, and had recently received a new card, so the card information was not entered into any companies POS or any websites - it could only be known by XXXX XXXX and Equifax. Equifax later released that data in their servers information had released for criminal use. I contacted them to resolve the damages from the breach, and they replied with a form letter, and offer for a free year of credit monitoring. The typical sales model for credit monitoring is they hold a credit card number for charges and begin charging you at a certain point. If you call to terminate the credit monitoring they refuse your calls or inadvertantly charge you for the services. Equifax probably profited from making consumer data available on a black market, and used the " unfortunate situation '' to sell credit monitoring services and collect payement contracts for future services by creating fear in consumers minds. This is a evil and devious practice. For a consumer like me who rarely uses credit, it means I have a vunerability simply on maintaining a service " for a rainy day '' - and a sick twisted organization like Equifax can use that to take money from me. They did not offer to verify how my account information was frauded and did not want to deal with me as a frauded consumer. I also find it interesting that i never agreed for them to keep this data on thier servers, and If i woudl want to live in a house i would probably have no option but to keep this data on thier servers. They have never answered if they intentionaly gave out my data to criminals.I can not remove my records from them as I have a home loan - typically required - I guess unless I choose to freely sleep under the freeway - oh that may be illegal ....
Product: Mortgage

When I submitted my complaint to the AG of Oregon a case was automatically created in CFPB and sent to SunTrust. The summary section I wrote was for the AG, but the attachments had 3 requests. 1. Fix our credit 2. Remove the approx {$760.00} charges on the loan that is now serviced by XXXX. and 3. reimburse me {$100.00} for the property damaged caused. 

XXXX XXXX contains the attachments that reference all three requests but only the credit request was addressed. 

This complaint is regarding the problem with the Auto Drafting system of Sun Trust.