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

Back in XX/XX/XXXX I received emails from my old bank 'Bank of America ' account upon looking at my account I noticed that someone was able to login to my account and dispute previous transactions, I immediately tried to log into my banking app on my XXXX and was not able to as it said my access was restricted, I immediately stopped what I was doing and called the Customer Service number, when speaking the lady advised that my account was accessed via phone but not in my location and she transferred me to the fraud department who said that they will try to stop the dispute of transactions the agent then advised that people get into peoples accounts and dispute large transactions and then try to setup transfers to outside accounts which was told this would not happen and was advised that there was not much else I can do but go to the branch the next day. I was such in a Panic I called the XXXX XXXX Police Department in Florida and filed a police report Case # XXXX with Officer XXXX. The next day I arrived at the bank I asked for the branch manager which I sat down with them and explained, immediately they did not believe me, and I was told I had to speak to account protection services which was higher than the fraud department and they said that they will close my account and they will not do business with me ever again, so essentially not believing anything I said. I advised the agent that I had a police report and did everything I was supposed to do to try to report the issue but again did not believe me, I also gave them the police report but nothing. As the months go by I noticed that I was flagged with Early Warning Service as a 'Suspected Fraud ' client so my new account with XXXX was closed without reason. I had a great banking history with Bank of America when I opened my account in XXXX I had the checking account that did not allow overdrafts because I was being responsible, but for them to blame me when I should have been protected as a client of a business should be is ridiculous. The application and online account access should have been smart enough to block the hackers because I was suppose to receive a text message whenever my account is accessed to receive a code to authenticate myself which never happened but they blame me for this. This was unfair treatment of a client and now I am still be penalized for something I did not do.
Product: Mortgage

The mortgage servicer for USAA, XXXX, refused 3 payments I made through online bill pay without explanation and then attempted to charge me late fees after they refused payments. They payments were returned to my bank account without explanation, despite multiple inquires. 

Additionally, I have made partial payments which they have not applied to my loan balance.
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. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights 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 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 to cause to believe that the information is inaccurate.
Product: Mortgage

I became 2months behind on my mortgage with Primary Residential Mortgage and informed their rep ( XXXX XXXX ) that I was having money/employment issues while looking for new employment. I then asked if I could make a partial payment towards the balance and I was told to make the complete 2months payment, include the late fee or return their Hardship Application. I returned their Hardship Application and was told that it was incomplete. I spoke with XXXX again regarding my incomplete Hardship Application and informed him that I did not have the additional documents that he was requesting but I wanted to make a partial payment in an attempt to get caught up on my mortgage. He then told me again to send the additional documents or my partial payment would be rejected. I then asked to speak with a Manager as I felt that XXXX was not attempting to assist me. He then immediately told me that no one was available ( Without checking ). I then asked to be transferred to his Manager 's voicemail and I left a message for XXXX XXXX ( Yes, they have the same last name ). After two business days passed I did not receive a return call from XXXX so I called, spoke with her and was told that she didn't return my call because she thought the situation was resolved ( How, I have no idea ). I explained to her my situation and she informed me that what XXXX had said was their policy. I let her know that I wanted to save my home, that XXXX wasn't assisting and she urged me to return their Hardship Application. I informed her that I had, it was incomplete and I was then told their was nothing that could be done. I even spoke to a different rep and asked for my loan to be transferred to a different rep and was refused. I am now borrowing money and scraping together what I have in order to stop my home from going into Foreclosure. I have never been offered any alternate payment plan or solution other than return the Hardship Application ( Which I provided Bank Statements and Info, XXXX, IRS Tax Transcripts and an Explanation Letter but was told it's incomplete ). I now do not feel that I am being assisted or protected as a borrower but that the Lender may actually be attempting to foreclose on my home because of the equity that it has gained. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's will not answer me for validating the correct amount shown for a debt they claim I owe. In XX/XX/2011I purchased a ring and they sent a letter after a few missed payments stating my account was closed and I needed to pay {$120.00}. This debt is reporting open with Experian, with no amount, but closed on XXXX and XXXX with a balance of XXXX. I've recently reached out to the creditor to take care of the balance and was advised that I owe them XXXX dollars as this debt is still open and incurring charges. I've tried to file a complaint with consumer financial after not being able to resolve the matter with XXXX XXXX XXXX myself. You guys sent it back two days later saying you couldnt locate them. If they're not going to report accurate information nor be listed accurate contact information then I am asking the Bureau 's to now intervene. This debt is not following FRCA laws and I need a resolution Immediately. This is preventing me from buying my first home and is causing me havoc.
Product: Credit card or prepaid card

I wanted to summarize my unfortunate situation where Amex refused to honor one of their Amex credit card products welcome offer when the online application successfully went through with offer confirmation from Amex representative at time of application. On top of that, I also received solicited application offer for the same card that was mailed to my physical home addressed to me from Amex at time of application. Since then, I met all requirements by now and only then Amex is telling me that they will not honor the offer. Spoke to multiple Amex reps since the complaint where they claimed investigation was done and that decision is final that they would not honor it without valid and detailed explanations despite their mistake and misinformation during my application and failure to explain why only now months later am I told I dont qualify for it. They went through the recorded phone calls and confirmed/admitted the mistake made by Amex rep and said that they will improve their coaching in future. Amex did not show any remorse and did nothing else to compensate for the mistake they caused that significantly impacted my situation. I was denied a subsequent request for further investigation and escalation. I do believe I have my consumer right for a fair and thorough investigation.
Product: Mortgage

We are requesting that the credit report of XXXX XXXX XXXX reflect the timely payments on his mortgage for both properties : XXXX XXXX XXXX, XXXX XXXX, Ct. and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Ct. We are alerting PenFed that we plan on making our own tax payment to the City of  XXXX XXXX , Ct. no later than XX/XX/XXXXXXXX  and that they ( PenFed ) not pay the taxes prior to that date. since the taxes are not due until XX/XX/XXXXXXXX  and are late on XX/XX/XXXX. 
We are requesting that if the taxes are not paid on either property, that we be allowed to contract with the City of XXXX XXXX, Ct and make our own payment arrangements by XX/XX/XXXXXXXX   and that PenFed  not interfere with that process. We are requesting that PenFed  not make any payments on our behalf, one month before the payments are due, whether they are billed prematurely or not. We are requesting that PenFed not imply that the City of XXXX XXXX, Ct has the right/obligation or permission to enforce a tax sale for {$3400.00} in the State of Connecticut. The statutory minimum is {$15000.00} in the State of Connecticut.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with cfpb on XXXX ; complaint ID number XXXX. 

It is against XXXX XXXX  XXXX. This case was closed in my favor and XXXX stated it will be removed from all credit tradelines. Today XXXX I received notification that XXXX XXXX XXXX reported me for collection on my Experian report. 

I would like this removed immediately!
Product: Checking or savings account

The company had a limited time {$170.00} Referral bonus promotion in which I completed all requirements to receive! The company did not fulfill their promotional guarantee! Ive tried reaching out on many occasions to no avail!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported an account from XXXX which I have no knowledge of, and which has previously been removed because they fail to provide the opportunity to dispute and failed to provide documentation that this a valid debit belonging to me. This account is being reported again without the company complying with federal law and giving me the opportunity to dispute or providing documentation it's a valid debt.
Product: Credit card

XXXX  I made a payment of {$190.00} via destiny website to pay off entire balance. XXXX  I only had {$100.00} of credit when I should of had {$300.00}. On XXXX I still did not have entire available credit of {$300.00}XXXX XXXX XXXX I checked to make sure I had available credit there was a balance due of {$290.00}. I checked the balance transaction and after XXXX   somehow a reverse charge payment of {$190.00} shows on my account which made me have a balance of {$290.00}. I called XXXX Concorda credit and XXXX states that " there was insufficient funds in my account when they I made the payment ''. The payment took three days to deduct and even on XXXX XXXX I had {$190.00} in my account to deduction to pay this card off. I am now getting hit with a return check fee of {$29.00}. Funny how this charge or charge back was never mention to me on or about XXXX XXXX XXXX and the due date for a payment is XX/XX/ how convenience this {$290.00} balance shows two days from a payment due date. This company is fraudulent
Product: Credit card or prepaid card

I have made numerous attempts to contact CitiBank via telephone and chat. The phone system notifies me it is inundated, try back again at another time and disconnects. 
I can not log into my account through CitiBanks " Too Big to Fail '' Website.

I can not access customer service via CitiBanks " Too Big to Fail '' Website Chat. 
I am directly affected by California XXXX 's stay at home order and have been unable to work for a month now. I must defer my payments to CitiBank and Congress has allocated my taxpayer monies to facilitate this. Yet conveniently Citibank is simply refusing to interface with customers most likely because they are deliberately inadequately staffed to maximize their already obscene profits and generate additional monies from fees and late payments. 
I have made every effort to contact CitiBank prior to the due date of my payment to set up deferment.
Product: Mortgage

I voluntarily opted to have my mortgage note holder, PNC, to open an escrow account for me on my current home. In writing on XX/XX/2020, I formally requested to end my escrow account with them and they rejected my request stating that I had lates payment in the last 12 months. I asked them to show in writing where I agreed to such terms of an escrow account and they have not been bale to provided any evidence of the kind. I told them that I voluntarily opted for them to manage an escrow account for me and that I wanted it closed. I have called repeatedly to close the escrow account but received a different answer to why I couldn't. One time I was told that it was due to my type of mortgage. I have a conventional, 20 % down payment loan, not FHA, so there is no reason that I am aware of that my money is being held hostage. 

I asked PNC representatives to show me in the loan documents where I agreed to the terms of not having the right to close my escrow account under any circumstance since I voluntarily opted for it. They are not able to provide me with any documentation that I signed that agrees to there terms of the escrow account. I even have a recording of a conversation with a representative and they continue to give me the runaround. 

They also claim they have sent me 2 rejections letter that I have yet to receive.

I want my money from the escrow account and PNC is holding it hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never initiated a loan with XXXX, but they refuse to acknowledge that this is an error or fraud. the company that actually sold the product agreed that this was in error and credited /canceled the order. XXXX, the loan company will not remove it from my credit report and continue to harass me for payment. 
i have filed a complaint with the XXXX  ( complaint # XXXX ) i have also filed a complaint with the Attorney General consumer protection ( complaint # XXXX )
Product: Credit card or prepaid card

BlockFi ( financial insitution at fault ) isn't answering the phone or getting back with emails ( phone number on card and headquarters phone ). 
I have a positive credit of nearly XXXX dollars in my credit card that I need to use. The positive credit was due to a refund that I couldn't take back or cancel the deposit with the company issuing the refund XXXX XXXX XXXX. Because they're not answering anything. 
I also can't take out my own money that I have in the interest account or wallet with them. 
Please help me take out my money as I need to use it for urgent necessities. 
Many thanks in advance for your hard work on this. 
All the best, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a balance on my XXXX credit card of {$21.00} that I was unaware. I received a credit alert in mid XXXX that my account was over 30 days past due. I immediately called the XXXX XXXX about the issue. My address that they had on file was invalid and I gave them the correct address information. They reversed the late fees and finance charges and I paid the balance immediately. Although, my other contact information was correct, I never received any phone calls or other communication from XXXX XXXX that there was an issue with my account. I asked them could they correct the 30 days past due on the credit bureau reporting because I didn't want to be penalized for the bill that I was unaware and for them not having my correct address. They said no that I would have to contact the credit bureau. Of course, I contacted the credit bureau and they said that XXXX XXXX would have to correct it. I disputed it at all 3 credit bureaus. To date, the negative reporting was reversed at XXXX. In XXXX, the negative reporting was reversed with TransUnion but they have since put it back on in XXXX. I have been given the runaround because of this issue and it has become very stressful. My credit bureau score dropped XXXX points because of this negative reporting of {$21.00}. TranUnion keeps saying that the company needs to correct it and then they close my dispute with no notification or disclosure of results. XXXX XXXX keeps telling me to contact the credit bureau. I'm at a lost here of what to do next.
Product: Credit card or prepaid card

I went on to Kay Jewelers website on  XX/XX/2017    and applied for credit was approved for {$1500.00} with a 20 % down payment. As, I was looking for an item I called the customer service number ad spoke with a representative who told me that the only store that carried the item was there sister compan y Jared Galleria ( whi ch I did not know at this point they were affiliated ). I asked the rep if I could u se my Kay 's store credit at Jared 's she told me no that I have to open a separate account and I had to go onto Jared 's website and apply. I w ent  to Jared 's web site applied for credit with a limit of {$1500.00} and 20 % down payment, which I was fine with. I made a purchase and within a few weeks the credit bureau reported that I had a  XXXX  credit line and {$0.00} balance with Kay 's and a {$1100.00} credit line and {$580.00} balance with Jared 's. Which is not correct according to the terms and conditions that were sent to me with the  XXXX  separate cards and  XXXX  separate account numbers. This error causes my credit ratio to show higher due to them lowering my original credit limit between to the  XXXX  accounts. I was not told that the  XXXX  accounts were linked or were going to be linked. I contacted the Credit Bureau and disputed this information with them and it is still under investigation, I then calle d Kay ' s on  XX/XX/2017    and was told that the accounts were linked and they are sorry that they did not disclose that information to me or any of there customers. I asked if this could be resolved to reflect the correct credit limits on my credit report and she told me no there was nothing she could do.I did not see how this can be right to the consumer.Although they state the credit amount may be reduced they then turn around and tell you you ca n't use the credit with their sister companies. I feel as they they are misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

act XXXX  Account # XXXX ( XXXX  XXXX ), Account # XXXX ( XXXX XXXX XXXX ) also Account # XXXX ( XXXX ). Miss put information on multiple areas.

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, or personal loan

I was overcharged for an installment loan and when I asked to pay my entire balance off, XXXX XXXX. ( via XXXX XXXX email address at loan at last ) said, Your pay off balance as of Friday, XX/XX/XXXX is {$490.00}. I scheduled the payment. The payment posted. Then I get another email saying I owe $ XXXX more for a delinquent payment that I missed in XX/XX/XXXX, which they apparently partitioned from my main loan amount giving me two separate debts stemming from the same loan. I asked to pay off my debt. And I did. At this point I dont trust the totals XXXX XXXX XXXX is giving me. Fool me once ... Given the fact the initial loan was for {$300.00} and that XXXX said my pay off balance, meaning everything that I owe, was {$490.00}, I feel Ive paid more than enough in interest and fees.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle and reporting the discrepancy, my financial institution and Zelle failed to investigate my claim adequately. They informed the lost funds was impossible and tracking was not feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the major data hack that happened to Equifax in XX/XX/2017, I did sign up for the remedial credit monitoring and protection service being offered by Equifax but to my surprise, Equifax sent access information to my wife only. I waited forever expecting my own log-in credentials to arrive in the mail, it never came. I do not know Equifax 's explanation for this denial of service after having carelessly exposed my data to hackers.
Product: Checking or savings account

On XXXX XXXX XXXX 2016 I lost my purse. Someone got a hold of my wallet and took money from my account. The amount was {$1900.00} and the bank does not want to give me the money back. I sent in a police report and they are still denying me.