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

Company : BNY Mellon Trust of Delaware Card Services XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX I was the victim of identity theft over a month ago for {$300.00}. There were 3 fraudulent charges placed on my debit card via XXXX XXXX. XXXX XXXX has done virtually nothing to make sure that I was taken care of. 

Charge 1 : {$110.00} Charge 2 : {$76.00} Charge 3 : {$93.00} On XX/XX/2022, between XXXXXXXX XXXX and XXXXXXXX XXXX, XXXX different orders were placed on my XXXX XXXX account. Each of these orders was shipped to different states in the US ; one in Pennsylvania, one in Texas, and one in California. There were also items on each of the 3 orders that were to be picked up in New Jersey. Residing in New Hampshire, anyone with common sense could immediately see that I did not place these orders. My XXXX XXXX membership was inactive for 2 years prior to these orders as well. 

BNY Mellon was responsible for investigating this case. They determined that the charges in question are valid. When I called the agent to get an explanation, he provided NO information about the timing of these transactions, the contents, and the delivery addresses of these fraudulent orders. There was also no tracking of the IP address from which these transactions were made, which would clearly show that the orders were not made from a device in my local area. 

I found it highly inappropriate that this claim was denied in the manner of which it was. I provided ample evidence of each fraudulent order number and delivery address, all of which were located across the country. I even provided the email statement sent from XXXX XXXX stating my membership renewal was fraudulent. I also provided screenshots of each order, with order numbers. Being located in New Hampshire, it is very suspicious that, after almost 2 years of inactivity on my XXXX XXXX account, orders were placed to be delivered in Pennsylvania, Texas, and California in the span of a couple of hours. This is not normal shopping behavior and shouldve been the first area looked at in the prior investigation. 

BNY Mellon has been extremely uncooperative in this matter. They gave me the option to appeal the denied claim by faxing a letter of intent and other supporting documents. The fax number they gave me was not valid ( XXXX ). I tried 3 different fax machines and all of them did not allow me to send to that number. 

After not being able to fax my appeal, I called BNY Mellon back. I was told by the agent handling my case to just email my appeal to XXXX. His name is XXXX and has not been helpful at all ( XXXX ext. XXXX ). It has been over a week and I have not heard back from them at all via email or phone. I have followed up twice and have not heard anything regarding my appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX ) and Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report that that your company publishes, and after reviewing it continue to find a number of items that are reported as inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that Your company discloses to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do not respond to this complaint via mail, or email. Please upload all documentation to the CFPB portal. Your company routinely provides a status of verified for disputed accounts without providing any proof of verification. I have been requesting proof of the below accounts for over 2 years. Upon disputing the below accounts, information on the account is either changed by the furnisher without providing any documented proof, or your company simply responds with the account being verified. 1 specific example of such activity is XXXX XXXX XXXX I submitted a complaint to Experian, and was told by Experian the dispute was frivolous and would not be investigated, as the XXXX XXXX XXXX had verified the account. I only way that I was able to obtain a fair investigation of the account, was by submitting a complaint to the States Attorney Generals office : Which resulted in the removal of the account from my Experian credit report.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 10 days of receipt of this complaint then you must remove these accounts from my credit report. I have reached out the listed companies and was advised they were not able to provide any contractual information, endorsements, or payment history. However, your company is advertising such information on my report. This behavior is a violation of my federal rights. This will be my last attempt to amicably resolve these issues. Please provide verifying documents of endorsement and contractual obligation, and payment history for the below accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My wife XXXX XXXX has a Mortgage being serviced by Shellpoint Mortgage Service ( Acct. #  XXXX ) for XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, Florida XXXX, my name is XXXX XXXX. The mortgage was originally handled by XXXX  XXXX XXXX who transferred it to XXXX XXXX XXXX at the end of XX/XX/XXXX. We requested a Modification with XXXX but before they started they transferred it to Shellpoint. We then asked for a Modification with Shellpoint. We were being helped by the XXXX XXXX XXXX XXXX XXXX County to make sure everything was done right. Shellpoint told XXXX XXXX that we would have to be 1-2 months behind on mortgage payments ( 3 could cause foreclosure ) since we were never late once in the over 10 years of the Mortgage. Shellpoint dragged it on through multiple appraisals, redo of paperwork etc before finally deciding that since there was equity in the house there would be no modification. Shellpoint knew this from day 1 with the first appraisal but dragged it on. I recently asked the XXXX XXXX about the missed payments we were told to do but they said that companies due it verbally only. I e-mailed Shellpoint requesting to remove the late charges that accrued since we only did what they said. They replied NO including an e-mail ( 2nd request ) sent to their Mitigation Dept. on XX/XX/XXXX. Also, in XX/XX/XXXX we experienced Hurricane Irma. I called Shellpoint and was advised that you could miss 1-3 payments and that it would be added to the end of the loan. I advised Shellpoint that 1 month was enough. Again, more late charges. When asked about that I was told they had changed it but never told me. So, right now I pay 1 month behind but pay every month ( only missed 1 after Irma  ). More late charges and more refusal to help even though again we followed what Shellpoint said to do. I would like help with the late charges and continue to make our monthly payment ( {$1600.00} was {$1200.00} but it was a 10 year no interest Mortgage that increased when Shellpoint received it ) with no further problems. Shellpoint told me we need to pay the 1 payment thats behind and again the late charges stay and apply each month. We are on Social Security and if we could do that we wouldnt have asked for a Modification. Again, both times we followed Shellpoints instructions only to be rejected and penalized. Thank You XXXX XXXX ( husband of XXXX XXXX, Shellpoint has permission to deal with me since my wife is XX/XX/XXXX XXXX ). I can be reached at ( XXXX ) XXXX or e-mail XXXX.
Product: Money transfer, virtual currency, or money service

I was selling items online and ended up getting scammed out of {$850.00} The scammer sent me 2 fake certified checks and I sent a transfer through Bank of America 's XXXX service. 
I called BofA and was told that there was nothing they could do and gave no advice. 
When calling XXXX, they told me to contact the bank. 

I have the information for whom I sent the money to, along with some additional information, I would like to get this person reported in hopes they do not do this to someone else.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

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 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 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 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: Vehicle loan or lease

I financed a XXXX XXXX XXXX in XXXX of XXXX, the first day of having the vehicle, my rear passenger side door handle fell off and two over head handle bars in vehicle interior, within the first two months of having the vehicle, I replaced the whole front suspension, all 4 brakes and rotors, two sensors, three engine mounts, and the door handle. When I went to purchase the vehicle, the person selling me the vehicle, didnt not give me any information on the vehicle, did not offer me gap insurance or say anything about GAP insurance before I signed contract, he just gave me the papers to sign, showed me were to sign, did not give me adequate time to read the contract and took my money with little information on anything and he would not answer any questions I had. He had a normal two hour process done in less than 15 minutes. My car was financed at {$7100.00}. My interest is {$4400.00}. I got an appraisal on my vehicle and was told my vehicle is worth no more than {$1300.00}. I feel like I was scammed into a lemon vehicle that will not last more than a year or two at max and in a possible accident, I will be left with a high interest car loan and no vehicle.
Product: Mortgage

I am filing this complaint against Wells Fargo and XXXX XXXX XXXX. 

My mortgage loan was transferred from Wells Fargo to XXXX XXXX in XX/XX/XXXX. Prior to transfer of my mortgage, my account was current with Wells Fargo. 

When my loan was transferred 10 months of payments to Wells Fargo " disappeared '' and/or were misapplied by Wells Fargo and did not port correctly to XXXX XXXX . Wells Fargo mortgage continued to assert to me that all my information was correctly ported over to XXXX XXXX. 

XXXX XXXX refused to talk to me because I was in a XXXX XXXX bankruptcy. However, behind the scenes they " ingested '' {$10000.00} worth of mortgage payments, applied them to my account, and then " reversed '' them from my account. Despite months of my pleading to XXXX and Wells Fargo, XXXX XXXX took me to XXXX XXXX Court to request a stay from relief so they could foreclose on my property at XXXX XXXX XXXX. 

I am attaching documentation showing my monthly payments to Wells Fargo including paying escrow shortages between XX/XX/XXXX and XX/XX/XXXX. Between fall of XXXX and XX/XX/XXXX, I was in a XXXX XXXX federally-sponsored COVID forbearance of my mortgage. 

I am filing a complaint regarding Wells Fargo misapplication of funds paid toward my mortgage and for not correctly transferring my payment history, monies paid, and account records to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian in XX/XX/2021 and let them aware that I did not live at XXXX XXXX XXXX XXXX  XXXX, Texas XXXX. XXXX and XXXX do not have this address listed at all. The representative told me that the address will be deleted off of my credit report. It has not been deleted.
Product: Credit card or prepaid card

My legal name has been changed, and most of the credit card companies have been willing to change the information on my accounts by faxing them documentation. Unfortunately, Chase bank hasn't been willing to do so and that's causing significant harm to me. At present, the fact that they continue to knowingly report the wrong name on my credit report has caused me significant harm because it is preventing me from getting any new credit anywhere as a result of a name discrepency in my credit profile. It's also resulted in some of my accounts that report the new name as being a co-borrower with the old name due to the old name and new name being reported at the same time by different companies. 

Over the phone Chase said that in addition to the standard documents that prove my current name I would ALSO need to send them a completed form, but they can only provide that via mail. It's not available on their website anywhere. When I complained that I have issues with getting all of my mail because there is more than one of my address in the region they said I could go to one of their branch locations. So, I drove half an hour away with all the documentation only to learn that they can't do it in person because the employees also don't have access to this form. They were, however, able to provide me with a copy of a similar form that is used in another account type, but asks for the same information. So I filled it out and submitted it online along with my documentation. 

Unfortunately, they aren't willing to accept that and to this date I have never received any form in the mail and they are unwilling to update my information until both I get this form in the mail and they receive this form despite the fact that this form just asks for the same information as every other form. 

Now, at issue here is KYC compliance. Attached is a copy of the law and supplementary material : Per 2090. Know Your Customer : '' Every member shall use reasonable diligence, in regard to the opening and maintenance of every account, to know ( and retain ) the essential facts concerning every customer and concerning the authority of each person acting on behalf of such customer. '' Supplementary Material : -- -- -- -- -- -- -- XXXX Essential Facts. For purposes of this Rule, facts " essential '' to " knowing the customer '' are those required to ( a ) effectively service the customer 's account, ( b ) act in accordance with any special handling instructions for the account, ( c ) understand the authority of each person acting on behalf of the customer, and ( d ) comply with applicable laws, regulations, and rules. 

... 

If no one else in the industry requires a magical form unique to every single account type it's not an essential document. And if I have sent them all of the essential documents, but they continue to refuse to update my name, well, that's a KYC violation because once they received all the documentation that's considered essential and they still refuse to comply because of their own internal rules, well, that's a problem they need to fix.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance Owed : {$13000.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX  Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed XXXX {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$15000.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX  Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPEDNXXXX XXXX  Balance Owed : {$0.00}
Product: Credit card

On XXXX I made a XXXX payment to my Apple credit card/Goldmansachs. It was for the purchase of a new computer. Two days later I noticed that they withdrew XXXX out of my account. I never authorized that payment. On XXXX I called and talked to a supervisor who stated that they investigated it and found I authorized the payment. I asked for proof and they hung up on me. 

Before the XXXX I called five times and each time they stated that it was being investigated. 

They have caused me financial distress. I do not have the money to pay my bills for the month of XXXX. I get paid once a month.
Product: Credit card

I have account with American Express Blue and they have refused to take a dispute regarding XXXX interest charges that change with date year and amount in every monthly statement I receive and each time can not explain why and refuse to take dispute interest charges amount to XXXX dollars this is not for the regular monthly interest charge on my credit card for example for this month XX/XX/XXXX a charge for the month of XXXX XXXX {$36.00} promotional interest charged and same monthly statement XXXX XXXX purchase charge XXXX each month same date year different amount in interest charged this has been going on for almost XXXX yrs and each time refuse to take dispute against own credit card company even though I have paid off balance in question this year XX/XX/XXXX
Product: Credit card

Ive closed the account and have requested my deposit back, the company has yet to send me my deposit. I originally requested my deposit on XX/XX/2023. They are now stating that it was returned and now are sending it back out on XX/XX/2023. 

This is unacceptable and I feel as though I have been scammed, no one with the company is able to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with a mortgage company for XXXX week and a half now and they are unable to pull my Equifax credit score. 

I phoned Equifax on XXXX-22- spoke with a representative who stated there was nothing on their end that was causing the problem. No freezes or fraud warnings the company should be able to get the credit score. 

Phoned Equifax again on XXXX22 as unable to pull the score. Again, as noted above they stated that all information was correct and the company should be able to pull our score. 

Phoned Equifax again on XXXX-22. I verified that my address online with them and the address my mortgage company was submitting is the same and correct. Still unable to pull my credit score- on the phone with a representative for XXXX minutes trying to see what is going on. They were still no help, stated the mortgage company should be able to get the score. 

Phoned Equifax again on XXXX22 as the mortgage lender is still unable to pull our score. They have spoken directly with the company that pulls the credit, they stated that I need to contact Equifax again as it is nothing on their end. 

If I don't get this resolved I will miss out on the property we are wanting to buy to build our home. This is absolutely ridiculous. No one is helpful at all at Equifax customer service.
Product: Credit card

I had 4 credit cards with capital one. And 2 business cards with over XXXX credit lines. They kept requesting identity verification every year just because they said they can. Authorized users identity was verified over 6 times. They now refuse to allow me any credit lines for 3 years now with an excellent credit score of XXXX and refused all credit line increases since XXXX over XXXX lines
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit XXXX. The inquiry was not authorized XXXX  XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit XXXX. XXXX XXXX XXXX ( XXXX ) client privacy information. Delete this item immediately XXXX  XXXX XXXX A Account Number : XXXX Please remove this inaccurate information from my credit XXXX. violation of 15 USC 1692g. Validate this account. You have XXXX  days to verify if you fail to this must be deleted. XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit XXXX. violation of 15 USC 1692g. Validate this account. You have XXXX  days to verify if you fail to this must be deleted. XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit XXXX. XXXX XXXX XXXX ( XXXX ) client privacy information. Delete this item immediately XXXX XXXX  XXXX XXXX Account Number : XXXXXX**************** Please remove this inaccurate information from my credit XXXX. XXXX XXXX XXXX ( XXXX ) client privacy information. Delete this item immediately XXXX XXXX  XXXX XXXX Account Number : XXXXXX*************** Please remove this inaccurate information from my credit XXXX. Violation XXXX XXXX XXXX XXXX ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX  XXXX XXXX A Account Number : XXXX Please remove this inaccurate information from my credit report. 
In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my report. It is my understanding that you will reassess the validity of these items with the creditor responsible for their inclusion. Please eliminate any information that the creditor fails to substantiate. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within XXXX  days of receiving this letter. 
Kindly provide an updated copy of my credit report to the aforementioned address. According to the act, there should be no charge for this updated report. Additionally, I request that you send notifications of any corrections made to anyone who obtained my credit report within the past XXXX months. 
Thank you for your attention and assistance in resolving this matter.