23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had to file a complaint due to me applying for a deferment caused by covid-19 after filing the complaint Loancare placed my loan on a deferral. I received a letter on XX/XX/2020 stating loancare had spoken to me about the approval of the deferral agreement, not once have I spoken to anyone who has been handling my deferral. no one has called me nor has anyone explained the deferral to me not one person has talked to me about any dollar amounts that would be deferred on the back end of my loan. I read over the letter that was received on XX/XX/2020, loancare is trying to charge me for 4 past due payments. I have only been late 3 payments which started in XXXX, XXXX and XXXX of 2020 I have not missed any other payments. I started back paying my loan in XX/XX/2020 which I sent a letter and email as well as fax letting Loancare know I was able to resume my payments. I also filled out the paperwork that was sent to me in order to approve my deferral not once after filing the complaint and sending all my information, Loancare has not called me not once. The only calls are the calls I made to loancare speaking to representatives who could only tell me my loan was being processed and someone would contact me, that day has never came. Now loancare is trying to charge me {$15000.00} for 3 past due payments that is {$690.00} per month including taxes and insurance. My total past due 3 payments are {$690.00} times 3 missed payments is {$2000.00} so why is Loancare trying to charge me {$15000.00} on the back end of my loan? This company is a complete fraud. My documents below shows I have not spoken to anyone in that department who would have explained my deferral before mailing out a letter on XX/XX/2020 which I received on XX/XX/2020
Product: Debt collection

The original creditor was XXXX XXXX XXXX  and I closed the account. I started paying the account off through XXXX XXXX XXXX  and every time I called to make a payment they kept trying to reopen the account and they kept charging me more money. So I stopped paying them. Earlier this year I checked my credit report and saw that I owed XXXX to XXXX XXXX XXXX  and I disputed it with the credit bureau and was informed it was taken off my credit report but it was not taken off. I contacted LVNV and was sent to Resurgent Capital Services and they sent me a copy of a payment I made to XXXX XXXX XXXX and in the correspondence stated that if I disputed the validity to contact them within thirty days in writing. On XX/XX/2020 I sent a letter to Resurgent Capital Services disputing the validity of this debt within the 30 day time period allowed and have not received any communications from them. Today, XX/XX/2020, I called Resurgent Capital Services and was informed that they never received my letter. I did my due diligence and Resurgent Capital Services has not done their part. XXXX XXXX XXXX  is still contacting me to reopen my account with them. This account has gone through 3 different collection agencies and I have had phone calls from 2 collection agencies at the same time about this account. I want to settle the account and get this off my credit.
Product: Credit reporting or other personal consumer reports

Name : Consumer XXXX Date of Birth : XX/XX/year> Social Security Number ( XXXX ) ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Formal Dispute of Incorrect Account Information To Whom It May Concern, I am writing to formally dispute the following accounts that appear in my file with XXXX XXXX XXXX XXXX XXXX XXXX I have NEVER opened, authorized, or used the accounts listed below, and I believe this information is incorrect and potentially fraudulent. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Financial Institution : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Financial Institution : XXXX XXXX XXXX Please confirm receipt of this letter and keep me informed of the status of your investigation. I expect a response within the time frame mandated by law, and I appreciate your prompt attention to this urgent matter. Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2018 I accompanied my elderly mother into Bank of the West XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I explained to a woman that she could not hear and my mother gave explicit permission for me to answer questions for her. The account was approved, and around XXXX minutes later a gentleman by the name of XXXX XXXX - Branch Manager II Vice President came over and indicated to me we could not open an account for her because I was answering some questions on her behalf. He directly profiled me based on how I looked and how my mother looked. This was apparent. This individual should not be running any financial institution. Years later, I was having a problem with my account I opened, and he came over to me and indicated he was closing my account. Based on the fact a woman called me, about transaction history for my upcoming wedding. I have XXXX different accounts for my business. He said I didnt answer the calls regarding the account activity but this individual again passed judgement against me and without warning closed my account. Most of my personal bills and obligations come out of this account. I had multiple bad experiences with this individual XXXX XXXX - Branch Manager II Vice President who has given me no reason for his actions. I have disputes on my account now, and can not open a new account with this institution to receive provisional credit to pay my bills, which is against the law. This has caused me emotional, and financial stress. I plan on hiring an attorney regarding this situation and pursuing it as far as I possibly can.
Product: Debt collection

RS CLARK AND ASSOCIATES ARE RIDICULOUS! AND ARE REPORTING INACCURATE INFORMATION AND FRAUDULENT INFORMATION ON MY CREDIT REPORT. THEY ARE VIOLATING THE FAIR DEBT COLLECTIONS PRACTICES ACT AND THIS IS MY ONLY WARNING! I RECENTLY JUST CHECKED MY CREDIT FILE AND SAW A NUMBER OF FRAUDULENT ACCOUNTS THAT I HAVE NO KNOWLEDGE OF! FOR SOME REASON I CAN'T GET THEM ON THE PHONE TO SAVE MY LIFE! I ASK THAT THIS COMPANY CEASE AND DESIST ALL COLLECTION ATTEMPTS AT THIS TIME I AM GOING THROUGH A CRISIS BECAUSE MY INFORMATION HAS BEEN STOLEN AND THIS IS A FRAUDULENT ACCOUNT! I HAVE ALREADY NOTIFIED THE IRS, TEXAS ATTORNEY GENERAL, CONSUMER AFFAIRS, AND ALSO I AM NOTIFYING YOU AGAIN TO CEASE AND DESIST ALL COLLECTION EFFORTS!
Product: Checking or savings account

I had a fraud transcation in the amount of {$360.00} on my account on XX/XX/2023, my wallet was stolen and card was used. I contacted navy federal to advise of the fraud transcation. I was provided with an provesional credit. After 30 days i recieved a letter from the bank stating that they reviewed and determined that no occurred accured and would be reversing the credit. I immediatley contacted navy federal to advised this is incorrect and that I didnt not have my card, The rep i spoke to advised me to send an email via the portal and they would reopen the claim and this would stop the adjustment. as of today XX/XX/XXXX the adjustment of {$360.00} was removed from my account and now my account is in negative. I called this morning to speka to the fraud department and spoke to a supervisor XXXX who ws no help at all she was very rude. I explained to her what her rep advised me and she told me there is nothing they can do so i asked to speak to her manager and she denied the request and stated that she was not going to send my concern to her manager, when requesting her name i asked for her first intial to her last name so that i can file my compliant and she denied and advised me that is not there process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One # XXXX is reporting a charge off with a balance to my credit that should not be on there. I have already settled this account and they are still reporting a balance and will not update. This is a violation and I want it updated or removed.
Product: Checking or savings account

On XX/XX/XXXX I went to the ATM to deposit funds into my account in the amount of {$460.00}. The ATM took my money and then gave me a message across the screen stating " We apologize we can not deposit the funds into your account we can not give the funds back please contact your bank. '' I filed a complaint the very next business day. After a few weeks of waiting, I received a call stating that they could not deposit the credit to my account because my account has been closed. I went to the bank and spoke with branch manager XXXX who then informed me that my account was not closed but placed into a do not deposit status. No one can tell me who placed my account into the do not deposit status, why it was placed into the do not deposit status, and why I was charged to have that account closed when no one asked my permission. We then had to open a new account so that I could get the credit for the funds. I received a credit to my account almost a month later and then towards the end of XXXX, I received a letter in the mail stating that they have determined that I did not make the deposit to the ATM and that they will be taking the funds back from my account. Once I receive the letter I called and asked how they had come to that conclusion? I was told that the money would be separated into a separate batch if it did not go into my account however when speaking with branch manager XXXX he let me know at the time that the ATM was broken and that they had a claim on the ATM to get it fixed. I then asked if they would pull the time stamp card for my debit card in the footage to prove that I was there and that I didn't make that deposit, They told me no, they needed a subpoena to do so. So I went to the police to file a report to get them to pull the footage. It is now Friday, XX/XX/XXXX and no one has contacted me. So I did call the branch today and spoke with branch manager XXXX again he let me know that the internal investigation team got in contact with him and told him that they viewed the footage and saw that I receive the funds back which I did not. I want to see the footage that they saw that they claim I received the money back from. I know I did not get my {$460.00} back, Nor did those funds go into my account. I sat at the ATM for about five minutes after I took my money trying to figure out what to do I do not believe that the entire film was viewed or they would've seen that I did not get my money back.
Product: Money transfer, virtual currency, or money service

Re : XXXX Complain against Gemini Trust Co , llc, a New York-based cryptocurrency exchange. 
Despite providing information and documents requested by Gemini Trust Co, llc in their response to my previous complain XXXX, my account still restricted and frozen. Customer service is not responsive. 
I believe that Gemini may be in violation of federal consumer financial protection laws, and I urge you to investigate this matter and take appropriate action. I have attached copies of my previous correspondence with Gemini. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX To Whom It May Concern, I am writing you to request your assistance for the deletion of this account are remove the late payments to paid on time from my XXXX & Experian credit profiles. This account is reporting inaccurate information on my credit bureaus. I have called and sent letters as far back as XXXX XXXX, requesting the deletion are To date the inaccurate information no actions have been taken. I have attached all required supporting documents for your reference. I apprecigeate your assistance, and please feel free to contact me directly at XXXX if you need any additional information i have never received anything from XXXXXXXX XXXX trying to resolve this issue... this reporting issue is cause me hardship
Product: Debt collection

I am writing to formally dispute the reporting of a charge-off on my credit report I have identified a charge-off associated with XXXXXXXX XXXX XXXX XXXX XXXX XXXX Under IRS guidelines, a charge-off is treated as income for tax purposes. As a result, it should not be reported as a negative item on my credit report, as it is effectively considered settled debt rather than an outstanding obligation. Reporting it as a charge-off misrepresents my financial status and has a negative impact on my creditworthiness. The Fair Credit Reporting Act ( FCRA ) mandates that all information reported to credit bureaus must be accurate and not misleading. Since the charge-off reflects a settled debt that the IRS considers as income, it should not be listed as a negative item on my credit report.

I kindly request that you investigate this matter and remove the charge-off from my credit report if it is determined to be inaccurately reported. Please provide me with written confirmation of your findings and the results of your investigation within the 15 days required by the FCRA This is violation of my rights under 15 USC 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

Relevant dates : XX/XX/XXXX - XX/XX/XXXX Dispute Nature : Falsely reporting late/missed payments for my mortgage payments Offender : XXXX XXXX XXXX I am a US Veteran and took out a VA Mortgage through XXXX XXXX back in XXXX and have always paid on time and in full without fail. ( in fact I overpay and pay early to lower my interest payments ). 

In XX/XX/XXXX I went abroad to XXXX to get my XXXX with my GI Bill and did not have access to my US address or US phone number. I notified all my banks ( including XXXX XXXX ) and they assured me it wasn't a problem and that they could reach me via email. 

In XX/XX/XXXX XXXX XXXX stopped crediting my account because of escrow readjustments even though they were accepting my payments. They never notified me ( via email, as promised ) and instead held the money in their accounts earning interest at my expense. On top of that, they had the audacity to charge me late payments of {$430.00} despite holding onto my payments and also falsely reported my payments as missed/late to credit reporting agencies ( XXXX, Equifax, XXXX, etc ) causing my credit score to plummet by over 400 points. 

It wasn't until XXXX of XXXX where they threatened to foreclose my house and seize it did they bother to contact me ( via email, as promised ). At that point I had to choice but to immediately pay the fines and bring my account back to good standing. 

After everything was settled, I called XXXX XXXX and the credit reporting agencies to dispute my credit score and XXXX XXXX refused to cooperate and my credit history lies in ruin and they also refuse to reimburse me for the fraudulently charged late fees. 

I am asking for your help in helping me fix this and restore my credit history back to its former good standing. Thank you. 

If need be, I have all my banks statements annotated and highlighted attesting to the validity of my claims, for your convenience.
Product: Credit card or prepaid card

I used my City National Bank award points to redeem for toal {$600.00} on two City National Visa Gift Card on XX/XX/2020. Order Confirmation Number : XXXX. that, I called CNB reward customers servers to ask my order to check my order status and shipping information. The agent told me they can not check my order status since my credit card was canceled, but they can see my order was being processing. 

Since Covid-19, I left United Stated in XXXX and return in XXXX. I checked my mailbox and didn't see the City National bank gift card. I called City National Bank rewards department and agent told me they can't track my orders and asked me to call City National Bank customer Services. I called City National Bank customer Services, but agent told me that I should contact City National Bank Rewards department. Back and forth, I called too many times to City National Bank customer Services and City National Bank Rewards development. Finally, one agent promised she will help me to check the status and call me back in two days, and she gave me a reference number # XXXX but after week, I called City National Bank customer Services to query my case, but was told my case was closed and asked me to City National Bank Rewards development. I called again and again, finally one agent help me to talk with her supervisor and told me will call me back in two days. 

I received a email from City National Bank Rewards development today and was told my Visa gift card was delivered on XX/XX/2020 and has been used. 

I never received those two Visa gift card. I asked for shipping tracking information in XXXX, but CNB didn't give me.
Product: Credit card or prepaid card

I was given a retention offer of XXXX XXXX miles on XX/XX/XXXX. It is now XX/XX/XXXX. I have called five times, been on hold/asked about this for a minimum of 6 hours, to be told today " it is a known problem and we are working on it. '' Please give me what you said you would give me without me having to call five times ( and still not have it ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed in accurate information on my credit report, and Equifax, XXXX or XXXX has failed to properly communicate or respond back to my disputes.
Product: Credit reporting or other personal consumer reports

CFPB This is new information to provide that the charge off recorded was applied after the settlement agreements. 
Subject : Submission of Additional Documents for Pending Complaint Regarding XXXX XXXX XXXX  Accounts I am writing to submit additional documents related to my pending complaint regarding inaccuracies on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX These accounts are inaccurately reported as charge-offs. Both accounts were settled, and the balances reflected are erroneous. Despite numerous attempts to resolve this issue, I have received responses from your organization that lack proper investigation and fail to address the specific facts of my case. 

Details of the Complaint : XXXXXXXX XXXX  : Agreed to a settlement on XX/XX/year>, the same day the charge-off was incorrectly applied. 
This reflects negligence in accurately recording the settlement, as the account balance was resolved per the agreement. 

XXXX Account : Settled for a negotiated amount ; however, the charge-off status and balance have not been corrected to reflect the settled status. 
Concerns About Investigation Process : Your prior responses appear to rely on automated scripts or boilerplate language, failing to address the specifics of my complaint or the documents I have provided. Such actions not only fail to meet the requirements of the Fair Credit Reporting Act ( FCRA ), but they also demonstrate a lack of due diligence in investigating disputes. 

Legal Grounds for My Request : Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies are obligated to ensure maximum accuracy in consumer credit files.

15 U.S.C. 1681i ( a ) : Credit bureaus must conduct a reasonable reinvestigation of disputed information when notified of inaccuracies.

15 U.S.C. 1681s-2 ( a ) : Furnishers of information must report accurate data and correct any known inaccuracies. 
The inadequate responses I have received indicate a violation of these obligations, as the inaccurate information remains uncorrected despite clear evidence and multiple submissions.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXXXXXX 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 Balance : {$1600.00} XXXX XXXXXXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX : {$510.00} XXXX XXXX XXXX XXXX  Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XX/XX/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 XXXXXX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

I've recently noticed through an email that I have a Serve American Express prepaid debit card in my name. The problem is I've NEVER signed up for a prepaid debit card EVER! So I'm trying to understand how there is a card in my name. The email I received said that my account statement is now available. I tried to see the statement to see what all kind of purchsces has been made but it requires a username & password that I do not have due to the fact that I'm not the one who opened the account. So that mean someone has applied for a prepaid debit card with my name & I'm TERRIFIED! I received the email on the XXXX of XX/XX/2022 which was approximately 2 weeks ago. I need answers on how this happened & what I can do to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting act XXXX  Account # XXXXXXXX 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 or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX closed all accounts. Axos was the holding bank. Never received over {$500.00} from the closed account. XXXX contacted me about claiming it and I still havent gotten it. Each company just points me to the other.