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

VyStar always claims to protect those that bank with them I have been with the bank for over 8 years I recently was hit with fraud a company or person acted as a work from home company they sent me a check to mobile deposit for computer equipment and software to purchase through there vendor it was a {$3400.00} check, I called VyStar to see about the check and when it would be available they said everything is fine it will be available then after that i checked my email and received a email stating it will available in my my accounts and later that day the funds were available its insane Im starting to feel like its a inside person I started sending the money over to the vendor for my equipment then a few days later VyStar took there funds back I called them to see what was going on thats when I found out the check bounced VyStar didnt even try and get in touch with me or anything at all I got in touch with them twice so now Im losXXXX out on money due to fraud or scammers whatever its called its a shame and I tried to open up a dispute which the person XXXX never put in I end up going inside and having someone open a dispute in front of me this is insane Im closing all accounts with them soon as this over with because they did not protect my funds at all at the end of the day its plenty inside people and it will be coming out soon, I have all of the screenshots and emails from the fake work from home people literally all evidence and VyStar is still holding back I have a family Im a single mother I would have never used my own money VyStar is getting out of hand I should have been left them alone when they mobile banking and everything was down for months this is disgusting I would never do this to someone this is insane why is a check posting anyways if its not good yall suppose to be the # 1 bank I have screenshots of everything it doesnt matter the time or day of its bad it should never post yall really not protecting our money at all
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to TELETRACK. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Mortgage

I contacted a few lenders to find the best mortgage interest rate for my first home purchase. When I decided to go with a lender who offered the best deal, I properly notified the other lender, Rocket Mortgage, of my decision. However, Rocket Mortage charged {$500.00} to my credit card on XX/XX/2022. Rocket Mortage said the charge related to a deposit that they used to order a credit report and third-party appraisal report. I never authorized Rocket Mortage to start the loan process as I just inquired about their interest rate. I asked Rocket Mortgage to refund the {$500.00} deposit, but they said it was not refundable. The deposit agreement indicates that if the application is withdrawn for any reason, they will refund the deposit minus the actual costs incurred.
Product: Mortgage

I have an impound account. My mortgage company Rushmore Servicing failed to make my homeowners insurance payment within time, causing my homeowners insurance to expire and cancel my good and affordable policy. This in turned left my home with out insurance for about a month and half. It turns out Rushmore Servicing never notified me that I would need to change homeowner insurance policy after 8 years of them accepting my home insurance policy. My Home insurance per Rushmore was no longer a XXXX  rating per Rushmore customer service who figured out after several calls to them. I had never heard of such a rating and even Checked that my home insurance was rate XXXX with the Department of XXXX. Rushmore customer service rep admitted that the notification to change home policy never went out and that they were at fault. I then had to find two policies that will now cost me XXXX per year to insure my home, previously XXXX per year. The cost could have been a lot more cheaper if it were'nt for the California XXXX XXXXXXXX in XX/XX/year> that caused the rates to go up even higher and If I would have been notified in XXXX promply, my Home insurance would have been far less. I feel that Rushmore broke there contract with me by not making proper notifications to make changes in my home insurance now causing me a financial burden.
Product: Student loan

Sallie Mae, I have received upwards of XXXX calls per day from Sallie Mae through automated call systems despite explaining my situation and conditions to Sallie Mae. These phone calls are harassing and threatening the viability of my cell number. I ca n't leave my phone on and may miss important calls due to this harassment.
Product: Student loan

I went to college in the XXXX. I consolidated my student loans into Federal Direct Loans XX/XX/XXXX, XXXX. I have consistently been on income driven repayment plans for the last twenty years. On XX/XX/XXXX I should qualify for forgiveness of the balance under the 20 years of repayments. I have been reaching out to Fed Loan Servicing for months and been given the run around. Most of their customer service representatives state that they are not aware of this program, only PSLF, of which I am not at ten years yet.

StudentAid.gov clearly states that : Any outstanding balance on your loan will be forgiven if you haven't repaid your loan in full after 20 years. under income driven repayment plans. 

On XX/XX/XXXX, I received the following email after yet another inquiry on how to apply for forgiveness : Thank you for contacting FedLoan Servicing! 


We are showing that you chanced Income Driven Repayment ( IDR ) plans from the Income Contingent Repayment ( ICR ) plan to the Revised Pay As You Earn ( REPAYE ) repayment plan XX/XX/2017. By changing your IDR plan you started the IDR forgiveness time frame over. With the IDR forgiveness your loans would be forgiven and may be taxable. 

Sincerely, XXXX FedLoan Servicing This is absolutely not okay. FedLoanServicer changed my plan in XXXX  - when I only had four years left to go and now they are telling me that this means the clock started over and I now have an additional 16 years on top of the 20 I have already paid. 

Both plans are IDR plans ( what I was under before, and currently ). Nowhere does it say that switching between income driven repayment plans will mean you start another twenty years.

I have completed all the requirements asked of me to have the remaining balance forgiven, but FedLoanServicer is not allowing me to do that.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. The information listed below, which appears on my credit report, is the result of Identity XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I tried to have them remove them XXXX I tried
Product: Mortgage

I had a mortgage with XXXXXXXX XXXX for a commercial rental property. 

The amount was {$150000.00}. I was using a XXXX exchange fund and only wanted to borrow {$80000.00}, but the loan was written and closed for {$150000.00} on XX/XX/24 acct # XXXX I made a payment for the extra funds that i did not want on XX/XX/24 for {$57000.00}. 


On XX/XX/XXXX, the loan was transferred to SPS ( Select Portfolio Servicing ) for the amount of {$93000.00} account # XXXX HOWEVER the principle amount shown with SPS was {$140000.00} on XX/XX/24. 

please note that in the time between the transfer i contacted both companies by phone to ensure the payments would be credited. I was not able to get an amount of loan principle balance until XX/XX/XXXX from SPS. 

I have called and contacted SPS multiple times and submitted banks statements showing payment, the statement from XXXX showing the amount transfered and statements from XXXX showing my balance. SPS has only responded that they are working on the problem. I have made 2 payments now, and they have still not responded except to send a letter stating that they need another month to fix the situation. 

I have called at least 10 times, 2x for 5 weeks, and can not get this issue resolved. I want the balance updated to the correct amount of Now SPS has sold the loan to XXXX XXXXXXXX XXXX XXXX, and the letter stating the transfer does not state an amount. 

I want the account to show the correct balance of {$93000.00} on XX/XX/XXXX, and credit for the interest of the difference plus credit for the 2 payments that I have made since then.. XXXX {$1500.00} XX/XX/24 & XX/XX/24 SO I now have 3 companies involved and can not get the payment that i made of {$57000.00}. credited to my mortgage since it transferred to SPS. 

Select Portfolio Servicing , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Correspondence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have emailed XXXX multiple times about this issue
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I noticed an over {$300.00} payment was made from my XXXX account to Victoria Secret ; Comenity Bank. 
Upon further investigation on the Victoria Secret App I found multiple charges made in-store that followed a small purchase made the exact same day. 
I looked into the multiple online orders and they were in OHIO. 
I have never lived in OHIO! 
I called the " fraud '' number on the back of my credit card and it brought me to an automated machine in which nobody answers when you press the selection for fraud! 
I called XXXX times! 
Then I pressed the selection for sales because I knew a human would answer for sales purposes and I was correct. 
I reported the amount of times I had called to the representative and frantically told her to CANCEL THE CARD NOW! 
She was able to cancel the card and she claimed to have sent a message to the frauds department as it was a Saturday she stated they XXXX not be available. 
I immediately contacted XXXXXXXX XXXX and sent them the copies of the statements and calls I made that went unanswered to Victoria Secret. 
XXXX was able to reverse the last two auto debits from my account to Victoria Secret totaling nearly {$800.00}! 
epresentative from Victoria Secret had not contacted me from the fraud dept at any point in time. XX/XX/2024 their collections dept started calling every hour! 
I answered and of course the representative, XXXX, transferred me to fraud because she knew nothing of the fraud, the canceled care or anything XXXX in Fraud answered and she stated that she had the case and THEY HAVE 90 DAYS TO INVESTIGATE. She stated I reported {$36.00} of fraud. I said TO WHOM?? NOBODY has called me back from your department! 
She said well it's still being investigated and you need to send in the statements with the valid charges in the meantime. 
I asked what about my CREDIT? She said nothing happens while our investigation in on-goin and that she would stop the calls. She advised me to send over all the statements that were VALIDLY charged. I agreed and the calls stopped for two weeks and then began again! 
Yesterday I received another call from collections and was told she did not have information on the fraud claim or the result of any claim and she transferred me to the fraud dept. 
I spoke to a XXXX, initially the representative pretended to not hear me and then asked me why I had not hung up? 
I said you all called me and I need an update on the FRAUD! 
She said " you need to send the statements with the fraud charges and not the legitimate ones. '' I said that is not what I was instructed previously and that is a lot harder than the legitimate ones! She reassured me the collection calls would stop but MY CREDIT IS NOW XXXX!!!! 
This in and of itself is a SCAM! I can also no longer log into my acct to view the statements of that card because it is CANCELED! 

Victoria Secret needs to be cited for this unethical practice! 
They have absolutely no process for fraud investigations and the consumers take all the risk using the card! 
MY CREDIT IS NOW RUINED WHILE THEY HAVE NEVER INVESTIGATED ANYTHING!
Product: Checking or savings account

I received a letter from Truist card fraud monitoring services and within the letter they state they closed my account. I have never opened a Truist account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, and U S Department of Edu XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX, Dept of Ed/XXXX, and XXXX XXXX XXXX XXXX reported to the Equifax that I applied for. They have violated my rights to have fair and accurate information on my credit report.

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights
Product: Credit reporting or other personal consumer reports

I look at my credit report and this stuff on her I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Experian explaining that the statue of limitations has EXPIRED. The account was opened on XX/XX/XXXX. This is past the 7 year statue of limitation for credit reporting. Also the account is paid in full and it is still showing CO for " charge off '' this is affecting my ability to get a job and credit. PLEASE REMOVE COMPLETELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE RECENTLY NOTICED SEVERAL ACCOUNTS THAT ARE CURRENTLY BEING FURNISHED THAT ARE RESULTING FROM IDENTITY THEFT AND ARE NOT AAUTHORIZED BY THIS CONSUMER
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have disputed the bankruptcy on my report multiple times and nothing happened. I have done everything they have asked me to do - such as, file a police report, file for identity theft, and getting a letter from the court stating they do not verify any of these information. Not only that, I went as far as reaching out to their own vendors that they supposedly verify their information from. Even XXXX XXXX can not verify any bankruptcy under my social security number. Every single time I file the dispute - along with ALL the documents they asked for, they're telling me they're verifying it from XXXX XXXX. But how so? XXXX XXXX told me that there is absolutely NO bankruptcy under my social security. I am CERTAIN all these calls are recorded. So please use those as a documentation. 

Recently, XX/XX/26 - I have disputed the BK XXXX again and to my surprise it got taken off my credit report. BUT!!!! It got added back on the same day. From my knowledge of doing research for months - they have violated the law and was suppose to notify me within 5 days to add anything back on. To which they did not. I have already tried my best and done every thing they have asked me to do and till this day there is no change. 

Due to the violation - I demand that they remove the BKXXXX permanently or I will have to take action with a lawsuit.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXXXXXX 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 in 60 days 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, XXXXXXXX XXXX XXXXXXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HOLD UP!!! WAIT A MINUTE!!! This is my XXXX attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on XXXX occasions to have an investigation of an item that is reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as the credit reporting agency TRANSUNION is using a stall tactic claiming that I am using a XXXX party to submit this request and that additional authorization is needed. I am reopening my case offering my statement as proof that no such XXXX party exists in submitting my dispute. I've recently received notification from this credit reporting agency that the inaccurate information on my consumer report continues to report as being verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a XXXX party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed. I immediately demand that the entry that I have disputed be permanently deleted from my consumer report as it is reporting incorrectly. Should TRANSUNION refuse to do so, I will have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy XX/XX/2019 and the information on my report seems not not go away and is reporting incorrectly and is not impacting my score the way it should.
Product: Money transfer, virtual currency, or money service

I was contacted by a third party debt collection agency, XXXX XXXX XXXX, by mail on XXXX XXXX XXXX ( received XX/XX/2023 ) for debts associated with alleged accounts held with XXXX XXXX XXXX Instarem. 

I have disputed this debt as I do not hold any accounts with XXXX XXXX XXXX Instarem. I requested additional information from the creditor and received copies of the transaction details by mail on XX/XX/2023 ( dated XX/XX/2023 ). 

The account user for these transactions is using my maiden name ( XXXX XXXX XXXX ) and alleging that I have sent money to an individual using my father 's name ( XXXX XXXX ). The recipient accounts are associated with XXXX XXXX XXXX and XXXX XXXX XXXX. My father is a US citizen and does not reside in XXXX, nor does he hold any bank accounts there. 

I contacted the Instarem customer support email and included a detailed description of the transactions and requested they halt account activity. I received a response that the customer support email account is no longer monitored and that I need to log-in to an Instarem account to submit a query.

I am not able to log-in to an Instarem account as I do not hold any accounts with this company. 

The Instarem website has a customer support chat bot, but no other means to elicit help unless you log-in ( no phone number or additional contact information ). Again, I am not able to log-in as I do not hold any accounts with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been very carefull since I filed chapter XXXX. I even bought and paid off a car and my score kept going up an up and it should. In Experians site itself it told me to increase my score by adding another credit card a XXXX XXXX  card that Experian itself recommended I get again this was within their site while logged into my account. So I applied was turned down then they lowered my score by 33 points NOT for being late paying anything but for following their directions. Why am I being punished so severely when during a pandemic I not only was never late on any card or loan but managed to pay off a car loan ahead of time and I get my score lowered??????
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute the following information in my credit file. The items Im disputing are : 1 )  XXXX XXXX 2 ) XXXX XXXX XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/2014 XXXX ) XXXX XXXX. These delinquent account records are inaccurate because I did not miss payments. I am requesting that the accounts be corrected to show that it has always been current, with no record of being delinquent. Please investigate this matter and correct the disputed items as soon as possible. Sincerely, XXXX XXXX