23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello - We are trying to refinance our home. During this process we found out from the refinancing mortgage company that we had two " abstract judgment liens '' on our home that were with FIA Card Services, N.A. 

The processor from the refi mortgage company contacted the attorneys shown on the judgments, but they are no longer managing our accounts. They advised that XXXX  XXXX XXXX took over FIA Card Services accounts. In calling XXXX XXXX XXXX, the refi mortgage company was told that they did not have any information pertaining to us, and that XXXX XXXX XXXX also took over some of FIA accounts. 

In checking with XXXX, we found out that XXXX XXXX XXXX went bankrupt and some of their accounts went to XXXX XXXX. 

On XX/XX/XXXX the refi mortgage company called XXXX and was told they needed a faxed authorization from us, stating that they could speak with the processor concerning our account. We followed their process, faxed over the authorization and was told to call back in 48 hours. Processor called back on XX/XX/XXXX ( giving them 72 hours ), and was told that our authorization was not found. We then were told to re-fax the authorization form, it was faxed AND e-mailed. We then followed up and were being told yet again, that they did not receive neither the fax nor the e-mail. 

I later contacted FDIC, who suggested we contact you all or the CA Secretary of State. Much time has elapsed and here we are with much frustration, again trying to tackle this situation, 11 months later. We still do not know if XXXX has any information on either of our accounts. 

Please note below info for both law offices : XXXX XXXX XXXX, XXXX. # XXXX XXXX XXXX, XXXX. # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Case # XXXX Entered : XX/XX/XXXX ( issued : XX/XX/XXXX ) Amount : {$10000.00} XXXX XXXX XXXX, XXXX. # XXXX XXXX XXXX, XXXX. # XXXX XXXX XXXX XXXX XXXX, A Professional Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Case # XXXX Entered : XX/XX/XXXX ( issued : XX/XX/XXXX ) Amount : {$8700.00} We are stressed and need some guidance on how to proceed forward with this lien situation. Companies are no longer in existence, no one has any record of us owing this debt. Please advise ... Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, there was an overdraft transaction of {$52.00} done on my Checking Account ( as a line of credit ) that did not show up on any forms of statement online banking or phone banking. Further, the paper statements were not sent to my address as the bank did not use the correct address. 

Despite being an XXXX XXXX Customer, the bank, customer care or the Relationship Manager did not care to call on my phone reminding of such transaction and non-payment of such amount for over 60 days. 

Given that I was not aware of the transaction, nor was made aware by any statement or communication, it would not have been possible for me to make any payment for such a small amount. Eventually in XX/XX/XXXX, XXXX closed the Line of Credit Account and again no information or statement was provided. 

In XX/XX/XXXX, while reviewing my credit report, I noted XXXX has reported my payments being delayed by over 60 days thereby impacting my credit rating significantly. 

I then worked with XXXX phone banking representative to deduct the amount from my checking account and refund various late payment changes. 

While talking to customer care for XXXXXXXX XXXX for multiple times, I was assured this will be rectified as the issue lies with the bank system and of no fault of mine. All late payment fees, and charges were thus reversed by the bank acknowledging this issue was with the Bank. 

I was asked to send my credit report to XXXX Business Service Division via Fax which I did per the instructions. 

Earlier this month, On XXXX XXXX, I received attached postal communication from XXXX XXXX and Loans Customer service Team dated XXXX XXXX stating that XXXX is unable to remove the delinquencies.
Product: Credit reporting or other personal consumer reports

Equifax stated they verified the bankruptcy as accurate how is this possible when XXXX stated the information was indeed inaccurate and deleted the information from their records. I also called the bankruptcy court and they stated they did not verify this information so I am requesting that you provide the documents that you used to verify this information.
Product: Checking or savings account

On XX/XX/22 I discovered there was fraud done on my citizens bank account. I immediately called and filed a claim and was told to go to the bank. when I arrived teller had no clue what protocol to take. could not access online banking so called. Was told to go to branch to unlock funds bank tells me I have to call while in branch but system was. More run around call again they say if money not return within 8 days call been 8 days no answers havent heard anything from the bank no apologies no credit nothing. Worst banking experience ever.
Product: Debt collection

I closed my account with XXXX in XX/XX/XXXX. In XX/XX/XXXX, someone within XXXX reactivated my account with out my authorization or any notice to me. My previous account had been set up with automatic payments via my debit card. Consequently, {$600.00} was paid to XXXX. I contacted the company and was told that the matter had been referred to their fraud department and law enforcement. However, the charges were never refunded to me. 

I contacted VISA and provided date by date records of my communication and copies of the bills. VISA reversed the charges. Thus, I was made whole and I considered the matter resolved.

Within two weeks of the charges being reversed by VISA, I received a past due notice from XXXX and notice the matter was going to be turned over to collections. I called again and talked to multiple people. Eventually I received a short written notice from XXXX dispute section advising me they considered my account overdue. It was clear from the letter that they had merely looked at the financial record of my account and since VISA had reversed the charges, I now owed them money, i.e., no indication at all they had considered that the initial action of reopening the account was not my responsibility. I soon received a written notification from Credence Collections that they were attempting to collect this debt and that I had 30 days in which to dispute the claim. 

I submitted all of the supporting documentation I had sent to VISA along with dates and copies of documents of what had transpired since then. Within two weeks, I received notice from Credence that XXXX considered the debt valid and within days, I received my first collections call from Credence. Any day I expect the matter to hit my credit report.
Product: Credit reporting or other personal consumer reports

I will also beI provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX  ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : 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

Experian Credit Bureau refused to increase my fico score regardless of : 1.  XXXX  XXXX recent correct error and remark on credit report. 
2. Decrease Car payment by {$13000.00}. 
3. Decrease Credit Card from {$5500.00} to {$0.00}. 
4. Decrease monthly home mortgage by {$600.00} 5. Decrease Student Loan every month. 
6. Never late on any monthly payments. 

Based on the previous 6 reasons to increase your Credit score, Experian decided to decrease my fico score. Compared to the other two credit bureaus, Experian credit score is 100 points off.
Product: Credit card or prepaid card

I received unauthorized charges on my credit card account and reported it to the credit card company in XX/XX/XXXX. The total amount of charges were over the amount of {$710.00}. The account was closed and placed under a 90 day investigation. After the 90 day investigation ended, the credit card company did not resolve the charges in my behalf and proceeded to charge back the unauthorized charges to my credit card account. I've contacted the credit card company to appeal the charges on several occasions. Furthermore, I've contacted this credit card company on XX/XX/XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX and XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. However, I was continuously treated with hostility in regards to resolving the unauthorized charges including mailed and faxed affidavit forms from this credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXXXXXX
Product: Credit card

On XX/XX/XXXX I was charged XXXX interest for a XXXX purchase from Carecredit. I called Carecredit to see why. I was informed that the interest amount was correct and had been accruing since the purchase on XX/XX/XXXX. I asked how could I have not paid that fee off when I make payments every month. I always pay more than the minimum payment. I was informed by the customer service rep and the supervisor, XXXX, that It was my responsibility to call Carecredit every month and inform them how much I wanted to pay per each charge on my account. I informed the agents that I had NEVER been informed of that and felt that was very deceptive and misleading. They could not tell me why I that had never been disclosed but that I was responsible for that amount. 
I pay my bills every month and this XXXX interest charge on a XXXX charge is unfair and unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I found that some of the data were unreliable. The three credit bureaus are required to verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is forbidden to treat these reporting items ' unconfirmed information as fact without supplying evidence within the legally required amount of time. I need the following incorrect information in my credit report looked at and updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Company not following policy time or proper investigation I been waiting since XXXX  for a update see attached documents.
Product: Checking or savings account

On XX/XX/XXXX I had gotten an email that my XXXX had been hacked and there were {$700.00} dollars in euros stolen. I called and inquired from the number on the e-mail. They ended up stealing my bank information and credit card information. I called the bank to enter a dispute. They granted the money back right away and a few weeks later without warning the same amount had been taken back by the bank. I called again and spoke to XXXX XXXX I think is her last name. She looked into it and said that the dispute team found that there was no foul play becuase someone I talked to on the phone had used my phones ip address and therefore it was me that in fact sent the money. Mind you this was via XXXX and I have the individuals name from XXXX whom sent it to XXXX. This information was also filed in a police report and sent to the AG office. XXXX then spoke to the fraud team and they came back with the same response. Basically I am stuck paying this {$700.00} back to the bank that I didn't even use. I was told " This is fraud but since there is evidence that looks like you did it then we can't do anything. '' It was also brought to my attention that if you do not have a business account or another special account then you are not covered by all of the fraud protection that Simmons Bank advertises.
Product: Vehicle loan or lease

This is a follow up to complaint XXXX. 
I have contacted the XXXX department of revenue as well as the XXXX XXXX clerk ; neither have any record of any communications from hyundai. I called Hyundai motor finance this morning and was told that titles had been sent to an office in XXXX Georgia ( for some reason ) and the XXXX department of revenue weeks ago. None of that appears to have happened. I was told that the note said they were missing some information, but they had no idea what that information was specifically. I was then transferred to someone who specializes in titles, but after 11 minutes on hold I was hung up on. 
I called again and was connected to someone who specializes in titles ( but who does not actually work in the titles department ). Apparently no one can contact the title department for anything at any point, so what they might need or what they might have is purely speculation on the part of whoever answers phones. I was then told that they did in fact have the address for the county clerk 's office but they had no idea when a title might be sent. They also stated that they could not even send an email to the title department to ask. This title specialist had absolutely zero information about my title. I've been trying to register this car for months and have repeatedly sent Hyundai the requested information. Despite this they say my request was initiated on XX/XX/XXXX which email communications with Hyundai show to be completely untrue. I asked for legal department information so I could send an intent to see notification and of course they neither have a phone number nor an email address. Their only contact is a physical mailbox in california. 
I had multiple messages in my Hyundai America messaging center showing that I had sent duplicates of the requested information, however they appear to have somehow disappeared since I submitted my last complaint. 
Forums are filled with similar things, Hyundai has absolutely no interest in correcting this problem or making it easier for consumers. I'm in the market for three more cars for family members and despite liking my car I have crossed Hyundai 's completely off the list. After hearing how difficult this has been several friends have bought XXXX instead.
Product: Credit card

I purchased a mattress from XXXX and returned it according to their return policy. It was a pickup scheduled by XXXX and they confirmed that they picked it up and received the item. However, they did not refund me. So, I initiated a dispute process with my credit card company. When I initiated the dispute, they mentioned they do not need any document from me other than the tracking number and then closed the dispute against me when XXXX send some document to them claiming they delivered the item and several other items to my address and that I did not return the item. 

I contacted capital one and provided documentation showing that XXXX is confirming that they received the item. However, capital one refuses to investigate the dispute claiming that I did not provide the information they requested. when I called, they say that I need to provide a documentation showing that the refund was issued. I cant provide such a document given that the dispute is that XXXX is NOT ISSUING a refund. 

I believe that XXXX and the credit card company are dealing with the dispute as an eye wash and are not really investigating the issue. I believe that the way capital one is handling the dispute is not according to the regulations and are just creating hurdles for their consumers. 

And XXXX is refusing the refund stating that they settled the dispute with the credit card company and will not reimburse me. Because of the capital one/XXXX  not processing my dispute correctly, I do not have the money nor the product. I believe that the credit card company or XXXX  needs to be held accountable to their promise that they will investigate and resolve the dispute based on the facts. 

I am attaching the document showing purchase order, return request, return confirmation, refund policy. I am also attaching the communication from capital one stating that I did not provide what they need inspite of giving all these information to them. I also attached thir correspondence showing XXXX  response.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Mortgage

We have been in touch with our mortgage provider on several occasions. Stressed that we have been struggling making payments. THEY CLAIM THEY CAN HELP! But have been told that they can't. ADVISED BY OUR LAWYER we can apply for a forbearance!! NEEDING HELP WITH DOING THIS.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX and Transunion are reporting an erroneous debt on my credit file from XXXX. XXXX paid premiums for a policy that I was not eligible for. I have provided documentation to prove that I was not eligible and that I waived the benefit. In order to become eligible for the policy I have to write a letter asking for reinstatement which the company has not provided. I have provided documentation of me waiving the benefit and documentation stating that I was not eligible but XXXX continues to report every month. My check is currently being garnished but my score is not changing. Also, XXXX and Transunion is reporting incorrect debt to income ratio. Per the XXXX ' website I didn't meet the criteria for eligibility for the benefit of SGLI during the period that the charges were incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am a victim of XXXX XXXX and XXXX, XXXX, and TRansunion are reporting 30 day late payment for XXXX account on my credit report. The Cares Act states that NO Late Payments are to be reported to the financial bureaus during the time of Covid 's Forbearance period. I have written disputes to all three credit reporting agencies the account that they are reporting as late and they have not deleted the 30 day late payment. I need XXXX, XXXX, and Transunion to abide by The Cares Act. They are violating The Cares Act. Please ensure that XXXX, XXXX, and Transunion update the XXXX account to reflect a clean and on time payment history, and DELETE the thirty ( 30 ) day late payment. Thank you for your hep with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX removed off of reports and closed and XX/XX/XXXX XX/XX/XXXX another complaint Several attempts have been made and this account was closed and removes and now it's back on my credit report different name complaints have been filed with cfpb and ftc for XXXX  XXXX XXXX XXXX continue to violate the law have not validate debt and still will not remove this collection debt off my report its continues to be a problem on my report