23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello. I bought two pairs of shoes from XXXX  on XX/XX/XXXX for {$280.00}. I returned both shoes back around XX/XX/XXXX or so. I was able to receive the refund of {$140.00} on XX/XX/XXXX but was missing the other half of it. I waited and waited but did not see anything so I decided to dispute the remaining {$140.00} with Chase. Chase gave me a credit but long story short, they rebilled me the charge after some time saying that it was valid. Ive open multiple disputes and spoke with the dispute agents and did what they told me to. The last agent told me to be SPECIFIC about my request because the dispute center kept denying it. I returned a size XXXX  shoe and was successful with the refund on XX/XX/XXXX. However, I am still waiting on my XXXX shoe to be refunded and XXXX has stated they issued a refund on XX/XX/XXXX but Chase reversed the claim. So now I have no shoes and a charge of {$140.00} on my card that I had to pay because chase thinks its valid even though I provided them evidence. This is ongoing and I was about to give up but I wanted to try this first.
Product: Mortgage

Dovenmuehle serviced my mortgage loan from XXXX. Due to the pandemic, I requested a forbearance from XXXX to XXXX of XXXX based on lowered income and concerns about my employment. I began making payments in XX/XX/XXXX and continued to do so on time until my loan was transferred to a new servicer, XXXX DBA XXXX XXXX, on XX/XX/XXXX. 

As instructed by a Dovenmuehle representative, XXXX, I made full mortgage monthly payments to Dovenmuehle, on XX/XX/XXXX ( payment confirmation # XXXX ), XX/XX/XXXX ( payment confirmation # XXXX ), and XX/XX/XXXX ( payment confirmation # XXXX ) for XXXX, XXXX, and XXXX, respectively. I was told to make 3 months of payments on time to officially end my forbearance period and so I did. I made sure to do so PRIOR to the mortgage transfer on XX/XX/XXXX. However, the only payments showing in the attached document of my Payment History with Dovenmuehle are 2 payments dated XX/XX/XXXX. That is inaccurate. 

Furthermore, according to the attached documents, my Dovenmuehle account shows there was a payment due on XX/XX/XXXX, however my loan was still in forbearance at that time. This is also inaccurate. 

I wrote to Dovenmuehle to ask them to correct this information because the incorrect information was also shared with my new mortgage servicer, Mr. XXXX. They simply stated that they had shared the deferral letter but could not ( would not ) correct any other errors. It has caused a number of issues related to the correct amount owed currently as well as the end date for my forbearance as well as the amount which was deferred prior to the loan transfer/assumption.

After my correspondence to Dovenmuehle on XX/XX/XXXX to ask them to correct this error, they responded on XX/XX/XXXX, failing to address the stated inaccuracies on my record. Their response ( attached ) only addressed the sharing of the letter regarding my deferral with my new lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had PayPal credit synchrony for several years now. I currently have a credit limit of {$1900.00}. I applied for an increase to {$3000.00} credit limit on XX/XX/XXXX. I received a denial letter on XX/XX/XXXX. It states that my credit score is a XXXX based on XX/XX/XXXX credit snapshot. But my current score is XXXX as of XX/XX/XXXX. Attached here as well along with PayPal denial letter. I request an update to my score because there will be a an inquiry on my credit with a denial based on an outdated score. My score has shot up over the past two months.
Product: Mortgage

I had a loan with Bank of America XX/XX/XXXX. I fell into hardship around XX/XX/XXXX however I still continued to make payments until I got a modification of my loan XX/XX/XXXX. While I was making payments and the loan modification was being processed Bank of America sent my loan to a attorney for foreclosure. It seems as I was making payments, Bank of America was sending my payments to a suspense account and were not applying the funds correctly making it seem as though I was late. The foreclosure was dropped after having to speak to a Bank of America district manager and him researching and clearing the foreclosure. Now I am being serviced by XXXX and they keep stating that I owe fees for the attorney and foreclosure when it never should have gone to them in the first place. I have tried over the years with no success to get this removed from my current loan and I keep getting no where. I have spent countless hours and stressed in so many ways and have been defeated. Please assist. I have my transaction history from that time showing where the funds were in the partial balance the whole time and I have the notices for Bank of America 's intent to accelerate from XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Hi Good Afternoon, On XX/XX/XXXX in response to an advertisement I received from Moneylion, I signed up and was approved for a cost-effective short-term loan of {$600.00} at a 5.99 %. I reviewed in great detail every section of the contract ( attached ) before signing. I was told that {$23.00} would be deducted weekly ( every Friday ) for 26 weeks, with a total payment of {$600.00}. 

After the first withdrawal on XX/XX/XXXX, I noticed a second withdrawal on the same day for {$31.00}. And this occured the following week as well - {$23.00} + {$31.00}. When I inquired with Moneylion, I was then informed that a membership fee ( that was initially advertised as {$79.00} initially ), is actually a recurring fee for the entire duration of your repayment, bring a total membership fee to {$31.00} x 26 weeks = {$830.00}. Nowhere in my contract was this ever stated or brought to my attention during the enrollment process. I am certain I would never sign up for this having been told so at the onset. 

I have since blocked the additional payment of {$31.00} as this was never communicated to me, but I shouldn't have to do so. This behavior is predatory and traps people into paying far more than is advertised.
Product: Money transfer, virtual currency, or money service

I dont when my Truist mobile banking app kept kicking me out of my account, but friday XX/XX/2022 I finally got it fixed and it was working for a full XXXX hours. The next morning it kicked me out my account again, but I knew I could fix it by going to the truist bank and talk to a teller. But I knew I had money in the account so I decided to renew my XXXX XXXX but my card declined. So I called truist and tried to check my balance but it was telling it couldnt be verified. So I go to the bank and they tell me my account is on hold because of a mobile deposit that I didnt make. I dont know how someone got my information.
Product: Checking or savings account

At XXXX XXXX  on XX/XX/22, Citibank sent me messages to ask if I authorized 2 transactions with the total of {$100000.00} that happened earlier of XX/XX/22. At XXXX XXXX  on XX/XX/22, I saw these messages and relied back " 2 '' ( It meant that I didn't authorize for these transactions ). Then, I received a message that ask me to call number XXXX to report the fraud ( it is the direct line of Citibank 's Fraud Serving Unit ). I called the provided number to report about the fraud. I was panic during dates after I discovered about the incident, and English was my second language. I confused about the questions and answered things that were unrelated to Citibank 's account during the first interview with Citibanks investigator. I contacted Citibank many times to explain about the confusion, and I am willing to cooperate and provide supports for my statement if Citibank requests. However, Citibank 's investigator didnt talk to me or ask me for any supports. On XX/XX/22, I submitted following documents to Citibank : ( 1 ) the restatement that I didnt provide my information to anyone, didnt click on any scam links, and didnt let any third party to access my computers ; ( 2 ) the police report ; ( 3 ) the screenshot of Citibank 's message alerts about the fraud transactions and ( 4 ) the screenshot that I notified Citibank that I didn't make these transactions from my phone ; ( 5 ) the screenshot of my offer on XXXX XXXX XXXX that created the XXXX XXXX  notification email and made me think that the XXXX XXXX  email was a scam ( But it actually a valid email from XXXX ) ; ( 6 ) May XXXX XXXXs bill to show that I didn't have any scam calls.

Please note that this Citibank account was barely used for many years. There are only couple transactions per month, and most of them are recurrent transactions. I mainly used it as the saving account. I have a bank account with XXXX  to use for my daily basic and access to this account more frequently. But until now, the XXXX account still has no fraud transactions although I used the same computers to access for both bank accounts. Moreover, the incident is abnormal in amount ( it wiped out my account from more than {$100000.00} to {$200.00} ) and in type ( it was wire-outs transaction to personal account, not organizations ), but Citibank didn't give me any chances to prevent it from happen. Citibank sent me the alert, and I already responded that I didn't make these transactions. But money was still wired out.

I trusted Citibank and gave my money to Citibank. Then, Citibank gave my money to someone who I dont know without giving me any chances to prevent the fraud transactions. The bank had the protocol that an alert sent to me, but they didnt wait for my response. After the incident, the bank refused sharing with me that ( 1 ) how the bank thought I provided my information to someone, ( 2 ) why the transactions were completed when I already notified the bank that I didnt make these transactions, ( 3 ) if the bank investigated on the party who received money. Citibank didn't show any protections to its customers
Product: Mortgage

I paid the XXXX in XX/XX/year>. Got notice that I had fulfilled the obligation and nothing more was needed. Starting getting delinquent notices IN XX/XX/year>. Called and was told to send an email and they would close it. They never did. Then they said the money was sent to title company but never provided the Federal number for the wire transfer. Now saying again they sent the funds back to the title company but the title company doesn't have the funds and when I called Shellpoint they still can't provide me with a federal wife transfer number. I got told I had to submit the request in writing in a letter to Shellpoint
Product: Checking or savings account

Hello This is my 3rd complaint. My account has been frozen since XX/XX/XXXX. The conclusion was they were going to close my account and send the remaining funds back to sender. One of their reps informed me it would take 7 to 10 business days to return. I called customer service asked for a supervisor and they denied it. All calls are being recorded. I told them to pull the recordings and they could verify what I was told. I have yet to receive a call from anyone. I left tons of messages and nothing. The funds is occurring interest thru the company that sent it. The longer capital one keeps the funds the more I will owe the company. Why treat people so heartless? I have had a couple of family members that passed in a matter of 2 weeks due to this virus, my business is not doing well, I was laid off and dealing with this. Its not fair. I've been experiencing financial hardships. I can not bare to experience even more. All I'm asking is they please send the funds back. If I need take legal actions they need to tell me something but all they keep saying is no time frame. That's hurtful to experience, Especially during a time like this. Can someone please respond. I understand they have policies they follow but to not give someone a time frame or communicate with me at all is unacceptable. Hopefully this last complaint will help.
Product: Mortgage

I have a XXXX mortgage with Citi Mortgage and with tremendous difficulty ( do to untrained personnel ) I was accepted into Citi Mortgages Modification program. I was mortified after completing my XXXX trial payments that over {$19000.00}. in interest was applied to my principle. The original principle amount was {$47000.00}. This " interest '' totals almost % XXXX of the original bill and by adding that {$19000.00}. to my principle itplaces my house under water by almost {$30000.00}. Citi Mortgage never disclosed that there was going to be an exorbitant amount tacked onto my loan. When I called and emailed to dispute this I was told that interest could not be removed because my XXXX mortgage was backed XXXX. I called XXXX and it is NOT backed by them. Citi mortgage has me running circles completing paperwork numerous times, placed me with many different unknowledgeable representatives whom I have to start the process over again with, and lied to me about the standing of my loan. Please help me save my home. I fell on difficult times I am not looking for a hand out ... Just what is fair. Citi Mortgage will get there interest over the life of the new loan so why are they allowed to double dip on interest and capitalize on my families misfortune? ... all while claiming to " help '' their consumers.
Product: Student loan

After leaving school I had tried to pay back my private loan with NAVIENT. I am currently unable to pay the XXXX a month payment that they say I can not lower. I receive letters in the mail saying they will send my account to their legal network for litigation if I do not submit payment by XX/XX/XXXX. I have already made a forbearance because it was the only option that I could afford, which brought me only temporary relief until the calls kept coming. I offered to make a smaller monthly payment but they said that I could not do that, only the payment upwards of XXXX $ was available.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX. As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights
Product: Money transfer, virtual currency, or money service

I had transactions on my account I didnt know where they came from
Product: Vehicle loan or lease

I purchased a vehicle on XXXX with a total sales price of {$28000.00}. My APR interest was for XXXX XXXX. I have paid a total of {$18000.00} since then. My car note is {$670.00} a month. This month I tried to be placed in a new vehicle by trying to do a trade in. Thats when the car lot told me that i could not do a trade in because I would be upside down almost {$16000.00}. When I went to look at my contract it stated that I owe {$26000.00}. Continued to log on to my finance company 's website which it showed my starting balance was {$44000.00}. So now I'm wondering how I got almost {$16000.00} added to my finance charges and the APR is XXXX %. I contacted the car company, and they were confused as well, and they were able to notice the mistake as well on XX/XX/year>. I was then instructed to call the finance company because the car lot stated that the finance company runs the information through some system that figures my finance charges. When contacting the finance company on XX/XX/year> at XXXX P.M., the company began to blame it on the car lot, which I stated what the car lot told me. She stated that some car lots go back through after the finance is ran through the system and hike the prices their self. She then stated that the only thing she can do is open a ticket.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over days and I haven't recieved any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I was legitimately late, but writing to explain the circumstances that led to the late payments and request your assistance with these two accurate late payments. The late payments are listed on my XXXX XXXX XXXX for XXXX XXXX  and XXXX XXXX. The account number is : XXXX My first ever consecutive late payments in 5 years with XXXX XXXX were due to a Federally Declared Disaster in California, a death in my immediate family ( death certificate available ) and my household getting infected with the XXXX XXXX  around the time of my two late payments ( explanation letter sent to XXXX/Bureaus attached ). 

I asked if they can please remove these late payments because my home 's refinance was stopped due to the two lates and our family is now in danger of loosing the home, but they sent a letter saying they have to report it by law and have no discretion to make a good will adjustment. Oddly enough, despite all my calls no executive wanted to get on the phone with me to confirm or deny this lack of discretion, and no officer or director answered any of my calls or voicemails. 

While the creditor is not doing something illegal, they are definitely being unreasonable in not removing my first ever late payments to them in five years of on time payments.
Product: Debt collection

In  XXXX    XXXX   my son was transferred by ambulance from one  XXXX   XXXX  to another.   XXXX   XXXX   XXXX   was the  carrier  who submitted a bill to  XXXX  for services. Services were paid by  XXXX , however the check was never cashed and I was placed in collections. Several calls to  XXXX ,  XXXX  and the collection agency and this has still not been resolved.      XXXX  at  XXXX   XXXX  has NEVER returned any calls from myself or  XXXX , she refused to take payment.  XXXX   XXXX   XXXX  has failed to provide proof that coverage was denied or any other documentation surrounding the bill.     I have asked for this to be removed from my credit and they refuse.
Product: Credit reporting or other personal consumer reports

I download my credit reports from annual credit report website and upon checking my Experian report I noticed some accounts were reporting inaccurate and incomplete. I have an online account with Experian, and tried to dispute the inaccurate accounts online through my Experian account but for some odd reason Experian blocked my access to online disputes. I have attached a screenshot as proof. 
I am writing this complaint to initiate a dispute of the inaccurate and incomplete accounts on my reports. Please see attached is my dispute letter and identification documents. Thank you.
Product: Credit reporting or other personal consumer reports

In despite of my previous written request the items I've found out today in my credit report still appeared but I had already disputted them. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report I want to delete them all in my credit file:XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX  XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX BANK NA ) XXXX Balance : {$1100.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OK XXXX ; XXXX XXXX XXXXXXXX Balance : {$3400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX  Balance : {$1100.00} ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am attempting to obtain a mortgage loan. The bank requested my credit scores from all three credit agencies XX/XX/2024. Only Equifax posted my scores. I assumed my freeze on the acct was to blame so I unfroze everything for approx XXXX days. ( twice actually ) During this time a credit check was made, and again even though the accts were unfrozen they did not provide any score. I have had auto loans and a long credit life however they came back with a statement about me having no credit history-that is a lie. Equifax had a score reported for me on XX/XX/2024 of XXXX, and the others are hiding my score, they want money to access my credit, and will not report my scores to authorized people I had pull my score. I have all freezes lifted permanently now. 
XXXX is blocking me from accessing the website, they say I have to call, I do and get a phone tree with no resolution. I am still unable to access my account after several calls. Again, the XXXX are not reporting my correct credit either, they claim I have none despite a long auto loan. 
I believe that XXXX and XXXX companies are extorting people for money to have their credit scores accessed. XXXX XXXX has scores up, but no one will use them.