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

I was a Citi customer up until XX/XX/XXXX when my account was closed suddenly for reasons unknown to me. I also have not received my funds and was given no other information than it will be available in XXXX days. I will become homeless if I do not get this money. 

Mind you, ALL of my money to my name was in Citi. This is money I have saved from the age of XXXX XXXX XXXX. I have worked to put myself through school and worker multiple jobs while attending school all for this money that has been taken from me by Citi. Meanwhile, I have bills and payments due including RENT and have no access to any money. I have no funds for food and will be evicted in one weeks time if I do not get my money. I have been in contact with customer services 15+ times in the last 2 weeks and have gotten no resolution. 

I have filed a complaint with the OCC and XXXX XXXX XXXX  and have gotten a response from the Citi Executive Response Team and they told me the same thing I have heard over and over, I can't get my money for 60 days. 

I am requesting kindly that you can have somebody release my funds either by expediting my mailed check OR temporarily unlocking my account to allow me to move them to my new account with another bank myself. I hope you can understand that many people can not survive without access to funds. I have already had a late credit card payment thanks to all of this not to mention the mental distress and fear of homelessness. I kindly hope you can assist me in some way.
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  : # XXXX, XXXX XXXX  : # 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, credit repair services, or other personal consumer reports

On XXXX XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN OD.. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXXXXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX, XXXXXXXX XXXX  inquired on XXXX XXXX , XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX US SM BUS ADMIN ODA inquired on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting

Accounts sold to other collectors right before it 's to be taken off of my report not to mention they 're all medical bills and are n't supposed to affect credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so tired knowing that my concern was not attended by Experian!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX, XXXX XXXX
Product: Mortgage

The following is in response to reference # XXXX/XXXX. Mr. Cooper responded to the question of tax payments being sent to the taxing authority agencies. After significant research, phone calls and past documents we have structured this response : by the statements provided by Mr. Cooper ; the question of the tax deferral XXXX was stated to have been in place since XX/XX/XXXX. The deferral has been in place much longer than this date, we purchased the home in XX/XX/XXXX and proof of XXXX was provided in person by visiting the XXXX County Appraisal District ( HCAD ). This is beside the point but it must be pointed out that this information is incorrect. In addition, the deferral has been in place but did not become a point of collection activity until the loan was modified. By Mr. Cooper admission, part of the modification of a loan is to pay pass taxes. Did this servicing unit over-look those with a XXXX deferral in place? We do not believe Mr. Cooper has a policies in place to address an exception for homeowners/consumers with XXXX deferrals and exemptions. Further, these taxes were placed in escrow resulting in a minus {$28000.00}. This will ultimately result in higher payments. Although Mr. Cooper 's information on how tax deferrals work was given in their response, this information has been known since obtaining a deferral 12 years ago ; the taxes are only a deferral and must be paid after my death or the sale of our home. Please provided information that is unknown. Why were payments sent out to pay taxes in the year XX/XX/XXXX?  This home was purchased in XX/XX/XXXX??? The statement from Mr. Cooper suggest there is no refund to be requested because the taxes are actually owed, is this what is being used to support your error, why wasn't this an issue before now? This did not become an issue until the loan was modified. Otherwise, taxes dating back to XX/XX/XXXX would have been place in escrow or not, please explain your position and the policy you have in place to address this.
Product: Vehicle loan or lease

Please see the details in my complaint previously submitted as day ago-Complaint # XXXX In the vain of providing full disclosure and transparency I am adding this addendum to the complaint and resolution. Please see below. 

**FOR THIS COMPLAINT MY OLD PHONE NUMBER POPULATED AND I DID NOT CATCH IT. 
The correct phone numbers are-XXXX or VOICEMAIL at XXXX
Product: Debt collection

Called today XX/XX/year> to ask why they charged me even though Ive been asking them to send me verification of debt before charging me. 

I canceled the payment arrangement last month ( to stop the payment this month and it said I was successful in canceling the payment they just took without permission and all future payments ) because I hadnt received the verification I asked for.
Product: Credit reporting

I have contacted the reporting which is XXXX XXXX numerous times going back as far as XXXX/XXXX/15 regarding a hard inquiry on all XXXX credit reports.They stated that it was a soft inquiry which turned out to be false. I talked to XXXX XXXX XXXX XXXX/XXXX/15 XXXX again and talk to a rep named XXXX -id # XXXX. I gave her all information stating it was reported incorrectly and had copies to show that. she then stated that she would have XXXX XXXX removed all hard inquiries. I received updated credit reports and it still was not corrected. i tried calling 4 times after that and XXXX XXXX refused to acknowledge.
Product: Debt collection

The person who is attempting to collect debt from me claims they are working for the law offices of Robert A. Schuerger. They have not been very pleasant to speak to, Ive tried to pay them so much a month and told them I would be late on my payment for the month of XXXX and the debt collector was not nice about it. They have also called my employer at my old job and that employer as the one now, will not accept personal calls. I feel this debt collector may be pretending to be a lawyer. He tried to threaten me with court and also with trying to get more money out of me.
Product: Money transfer, virtual currency, or money service

Coinbase.com n local XXXX trying to buy bitcoin to invest n the scamed me for aXXXX on coinbase XXXX  on local bitcoin
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 XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX  : Account Number:XXXXXXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX  XXXX : Account NumberXXXX Account Name : XXXX  : Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX : Account Number XXXX XXXX has violated my rights. Or 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: Credit card or prepaid card

We signed up for a 12-month, interest-free line of credit to purchase new furniture at Ashley Home Furniture stores, financed through XXXX XXXX. We setup automatic payments in the amount necessary to pay-off said credit card in 11 months, and DID NOT agree to, sign-up for, or " add '' any additional card " benefits. '' After several months of automatic payments, we logged-into XXXX XXXX " mysynchrony.com '' site to check our balance, we noticed monthly, odd-amounted charges on our credit card 's activity ( between $ 5- {$20.00} ), labeled " XXXX XXXX XXXX ''. We call this number and gave them all of our personal account information, in the belief that we had contacted XXXX XXXX. It turns out, instead, we had contacted some shady, fraudulent " company '' simply called " XXXX XXXX. '' The representative, " XXXX, '' refused to give us any information, even what the company 's purpose was, or what a generic " XXXX XXXX XXXX '' charge was for. I XXXX XXXX this exact charge and discovered it is a " dept cancellation protection '' charge, fraudulently added to unsuspecting credit applicants. I contacted XXXX XXXX directly and they were very defensive, and refused to help, saying we could only contact " XXXX XXXX '' and that they would not refund these fraudulent charges. XXXX XXXX MUST discontinue this practice and their business with " XXXX XXXX, '' and this fraudulent, malicious " company '' needs to be shut down immediately! Thank you.
Product: Mortgage

I did a refinance with Intercontinental Capital Group, I was satisfied with me rate, but in the beginning, I was told I would miss XXXX and XXXX payment. The process started, I thought it was strange I had to fill out the same documents a couple of times, but I completed each task. During the process I was told by XXXX XXXX, depending on the close date I may not have to pay XX/XX/XXXX payment either. I told him fine, but he would need to let me know before the XX/XX/XXXX, so a late fee would not be applied. XXXX did not inform me, so I made the payment on the XXXX, I would learn later the loan was paid off on the XXXX. At closing, XX/XX/XXXX, I saw the first payment was due XX/XX/XXXX. I emailed XXXX about this issue, not being what was agreed upon, I was ignored by XXXX. I filled out a survay giving poor ratings, and was then contacted by XXXX. XXXX gave a very poor answer to the situation, claiming I was confused as to the agreement, which definitely was not the case. I again emailed XXXX 4 more times and have been completely ignored. I have attempted to contact the company directly, the phone numbers are disconnected and the toll free number lists several TV providers. I now am very nervous about who is in control of my loan, no customer service can be reached. I don't know if you can do anything to help, I just want to warn other veterans about this shady company and not to do business with them. My only hope is they sell my loan to a reputable company. If they have to be approved to do business with veterans, I would strongly encourage they be removed from being able to provide any service to any veteran. If you can't honor your word, you're out.
Product: Debt collection

I have a loan with Affirm. My two previous loans with them are paid off and paid in full. This current loan that I made a payment on during the month of XXXX was only behind 30 days if barely due to a medical emergency. I repeatedly contacted them and asked for an extension along with asking if we could change the dates of payment that were due and find a different arrangement and they refused every option and didn't give me any options. I've been in the hospital I've been limited to what I can do and I've lost all of my income due to this. I can provide evidence of all of this. The minimum amount owed per my credit report was paid during the month of XXXX. They have different amounts and they contact me all hours of the day and night by email by text by phone call and it's ridiculous. They will call me from 15 different numbers that I've had to block while I was in the hospital. They call me from different area codes and it's concerning. At this point they are only allowed to communicate with me in writing. I am protected under law with medical concerns and a hospital stay that I was unable to pay and just need to pick up my payments now and go forward.
Product: Credit card or prepaid card

I've been a Nordstrom client for years. Earlier this year I had a medical procedure which had me XXXX  in a hospital, which caused XXXX and XXXX  XXXX. Due to my condition, my dad was entrusted with handling my finances. Unfortunately, to make the Nordstrom payment, he input the wrong checking account, which was my XXXX checking account, which didn't have sufficient funds to cover the payment, whereas he was to use my XXXX XXXX account, which did have sufficient funds to make the payment. Due to this I incurred a late payment, even though my active bank account at XXXX XXXX had over {$20000.00} at the time to make the payment. 
I had spoken to and forwarded proof of the funds and proof of my medical problems to Nordstrom, and asked that they remove the late payments. But they refused to make any such concessions, despite the fact that I was severely XXXX  and had sufficient funds to pay.
Product: Checking or savings account

The bank is refusing to allow me access to my own account. Customer service has essentially stolen more than {$5000.00} from me at this time. The money has been in my account for several days and I can not withdraw it from the atm machine, there was a block to my account. Then when I tried to cash a check, the check is being denied, they will not cash it. When I called the bank they argued with me about what college I attended and told me that if I didn't give them the correct information that they would not allow me access to my account. Customer service made me repeat the spelling of my name, my birthdate, and the school information more than 10 or 15 times and they left me on hold. They stole my money. The also blocked the card so I can't make a withdrawal by XXXX XXXX. I have no access to my own money from the bank which services loan disbursements. This is not the first time they have done this. They have absolutely no sense of that they might have done something wrong, there isn't a remote sense that they perhaps should allow the customer access to their own account. They have now frozen the entire account and are asking for a passcode which I do not have, I asked them to mail me another passcode, the refused to do so. They are excessively abusive and have stolen {$5000.00}
Product: Credit reporting or other personal consumer reports

Chexsytems report incorrect information on my banking account from XXXX XXXX XXXXXXXX which I have no knowledge of
Product: Bank account or service

Tcf bank gave my daughter 's attorney my social security number without My permission. my daughter had a personal injury case where she won a settlement she 's a minor, so there was an order for the funds to go into a custodial account, so I asked her attorney if you could put it into an account at TCF where she already had an account he stated yes even when they 're open up an account another account without my authorization and no personal information then I got a call from the bank saying I need to come and sign information which I did not find I stated I needed to speak to the attorney first so I know what I 'm going to be signing, the attorney Stat he will mail me documents after two weeks of never receiving them I contacted the attorney again yesterday on XXXX 2016 I was told the attorney was out on a XXXX and just been here with taking over and he was able to email me the documents that were supposed to be sent to me I 've been noticing and I ca n't open there 's no signature I did not authorize it and my social security number is on it, I then contacted the attorneys office asking how they got my social security number XXXX XXXX stated he does n't know but he will ask XXXX the attorney who handled my case, I then contact the TCF Bank and spoke to the branch manager XXXX asking how my social security number was given to that attorney the first day that the attorney came in with my social security number and my daughter 's social security number then he stated it 's a court order for funds to be in a custodial account and that gives him authorization to send my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained numerous times that this BK reporting on only Experian for the last  XXXX  plus years is incorrect. I states I filed a BK for {$0.00}. I asked Experian how are they getting their info. They said they use a  3rd p arty source because BK Courts do not give this information out because of consumer privacy laws.     I want this BK removed from my Experian Credit Report because it is inaccurate and not to mention have harmed me from getting financing. Why is it that ONLY Experian is reporting this over the last 6 years. I am tired of talking with Customer Service overseas.      BK S tatus : Dismissed Date Filed/Reported :  XXXX /2011 this shows on my credit report Reference number :  XXXX  Closing Date :  XXXX / XXXX / 2011  Asset Amount : {$0.00} Court : US BKPT CT TN  XXXX
Product: Checking or savings account

I am a customer of Sun Trust Bank XXXX XXXX XXXX branch. On XX/XX/2018, I submitted a check ( I am the beneficiary of the check ) amounts {$1500.00} and asked about whether the check has a risk to return. Also, I asked if it returns there is going to be or not any fee on me. The employee informed me that if the check is deposited in the following hours it means there is not any risk of return. Then, I asked when the amount can be deposited to my account and she told me that I should check my internet banking for the following hours. 

When I saw that the check is deposited in my account and my balance increased in the amount the check I spent {$1300.00} due to trusting this deposit. Then, on XX/XX/2018, the bank returned the check and I lost my {$1300.00}. I applied to the bank for compensating that amount but they explained me that the deposited amount is a courtesy fund of the bank and it is debited if the check returns. 

However, as a consumer, this information was not provided me. In contrast, by depositing the amount in my account and by being informed that if the check is deposited there is no risk of return, I am misinformed. I request you to make bank indemnify my loss.
Product: Student loan

At this time, there are payments that are being counted as 'inellgible ' despite a bill being issued on payments from XX/XX/XXXX through XX/XX/XXXX, Payments not being counted from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that should be counted. Can you please look into this? Thank you so much for your help.