23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Citizens One XXXX XXXX  is my lender. My business was shut down due to Covid-19. As a result, I missed 2 mortgage payments ( my payment due on XX/XX/2020 and my payment due on XX/XX/2020 ). Once my business opened back up I was able to make my payment due on XX/XX/2020. I have made all of my payments since. I am currently in forbearance. So I am not being foreclosed on due to my 2 missed payments. But I have been trying to contact my lender for 4 months to discuss a deferment of the 2 missed payments and possibly a loan modification. I have called multiple times. I am transferred to a representative fielding calls form an overseas call center. The representative is not able to provide assistance. The representative states that a Relationship Manager will call me back. No one ever calls. I have called them multiple times only to continue to get the same result. I am directed to a website that is of no use to me. Once logged in there is a phone number listed for my " relationship manager ''. The number is not in service. Relationship Manager Name : XXXX XXXX. Phone Number : XXXX. I am actively trying to resolve this issue with this lender and they are making it impossible to resolve. I can not speak to anyone who can help me. I go in circles and get the run-around constantly.
Product: Credit card or prepaid card

XX/XX/XXXX I was charged {$210.00} on my XXXX XXXX by XXXX XXXX  for a XXXX purchase that did not happen and does not show up anywhere on my XXXX account or my husbands. It is identified as XXXX " XXXX  XXXX XXXX CA. Calling the number leads you to XXXX. When I stated the charge was fraudulent ( immediately, since I received a text via phone alerting me to the charge ) XXXX closed my account per my request and issued a credit in 2 billing cycles. There were finance charges and late payment amounts that accrued and also were credited. I paid the balance in full {$620.00} minus the fraud amount and fees attributed to said amount. Since the fraud amount was in the pending status when I alerted them, the agent said that the charge had to post before they could look into it. Is that correct? Our accounts for Gap were transferred to Barclays Bank during that time. The amount of {$270.00} was a transferred balance on XX/XX/XXXX to that account with the words XXXX. When I called Barclays and asked what this balance was being transferred, they stated they did not know and to contact XXXX XXXX. XXXX Bank said my account was closed and they had no further information. After several calls to the fraud dept. at Barclays with documentation sent per snail mail certified since no one has a fax machine in this day and age ... .numerous phone calls for almost a year ... since they charge it off and then put it back on and finally sent a letter on XXXX XXXX. XXXX stating that I was not responsible for the fraud. XX/XX/XXXX they send another letter saying the charge is valid since they did not receive documentation. Which is not true, I sent want I have certified mail ( but today claim that I did not have an account Id # XXXX on every piece of paper it would not be looked at. Almost a year later I am hearing about an Id #. The original fraud people with Barclays kicked the claim over to another fraud division since I closed this account also. I am a customer that pays her account in full every month. I treat every credit card as a cash account. Now I have to worry about my credit score ( that is always around XXXX ) being tarnished by insane business practices. Bottom line.. neither XXXX or Barclays want to be held accountable for the fraud, and want to claim it is the other businesses issue. It is XXXX XXXX  that should be responsible but it should be Barclays responsibility to work it out with XXXX Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

several months ago i made a payment to pay off the balance on my XXXX XXXX credit card and have it closed. 
account number XXXX. 
the card is not used, and has not been used since. 
they never closed the card and the fee are up around XXXX now on a credit limit of XXXX. 
the company will not close the card, or reverse the charges and i have refused to give them any more money on an account that should have been closed and isn't used. 
i have gotten nowhere and my credit is being affected by this now. 
i don't know where else to turn. please help me
Product: Credit card

I have disputed {$690.00} to American Express about receiving damage products from a merchant ( bed bath beyond ). American Express has failed to give my money back. 

They have stated that I never used the ''online return tap from the merchant 's website. This clearly is an insult to anyone 's intelligent, as I called the merchant toll free customer service number to notify about the product ( s ) defects. Further more the merchant XXXX  XXXX call center Representative failed to understand my situation. 

I even stated to American Express that the merchant has deny me even the simple requests of a return label. 

American Express has failed clearly time and time again denied my claim even after providing pictures of the damage product. I feel they targeting me for no reason, which is clear after providing the pictures, and forcing me to pay for something that is defective. 

Reference number XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/2024 I received a credit alert that a new mortgage account was opened. I did open a new mortgage but the mortgage proceeding was closed in an XXXX  of mines in XXXX. The mortgage was opened under XXXX XXXX XXXX, the mortgage was sold to Shellpoint/Newrez XXXX XXXX which started reporting under me personally. I bought this property under my XXXX, it needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, unauthorized accounts and inquiries have appeared on my credit report. I am requesting that the following accounts and inquiries be blocked and deleted from my credit file as outlined in 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ) : Accounts to be blocked and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm demanding that the credit reporting agency Transunion either provide me with their Method Of Verification in regards to this instant matter or as stated within the FCRA laws delete/ remove / block the disputed accounts immediately. This is also backed by the FTC, inwhom I will report this issue to next if this isn't solved. These two ( 2 ) accounts ( 1 ) XXXX XXXX XXXX {$180.00}, and ( 2 ) XXXX  XXXX XXXX XXXX {$950.00}, I have disputed for a few months now, but Transunion response by saying accounts verified. This is being reported without any physical documentation provided to me or them. I never recieved information regarding this Method used. Whom spoken with whom, what day, time, hour this investigation taken place. What lines of communication used, fax, email, phone, etc. Transunion without properly investigating these accounts has damaged my chances of getting any extended line of credit like a house.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I signed up to continue my college education. I received several student loans in the amounts of {$7000.00}, {$6200.00}, {$5500.00}, {$4500.00}, {$2600.00}, {$2500.00}, {$2500.00}, {$2100.00}, {$2000.00}, {$1500.00}, totaling {$36000.00}. My original loan servicer was XXXX, and they were initially assigned by the Department of Education. XX/XX/XXXX a transfer of my student loans were made from XXXX to Aidvantage. I am not liable for this debt with DEPT OF ED/ XXXX  , and i do not have a contract with Aidvantage , and they have yet to provide me with the original contract that I have with them as requested. ( Thats because one does not exist. ) Correct my credit report and remove these accounts.
Product: Checking or savings account

On XXXX XXXX 2023 I deposited a cashiers check in the amount of {$1900.00} into my checking account at Bank Of America. I was very suspicious and asked the cashier about it and they somehow tested the check and said it was authentic. It cleared to my account the next day. XX/XX/XXXX I was told the check was counterfeit and BOA drained my account.I was told BOA did me a favor, because I've been a customer, they cleared the funds to my account before the check actually cleared. I was told that I am responsible for the amount of the check. I did not ask for a quick turnaround and feel BOAs incompetence their own fault and not mine. The explanation was they don't have anyone to get their money back from. So this billion dollar company is taking it from me because of their incompetence. They said the fraud department wouldn't even investigate. I said I have the name and address of the person who gave me the check. I'm sure this wasn't the 1st time this guy did this.They had no interest at all. Apparently BOA has no interest in protecting its customers.
Product: Vehicle loan or lease

What happens is that I have an account with Toyota Motor Finance and on XX/XX/year> the car comes out as a total loss, then my car insurance makes a corresponding payment of {$12000.00}. As a result, the remaining balance was in the account after XXXX, and I continued making payments which were XX/XX/year> amount of {$560.00}, XX/XX/year> amount of {$560.00}, XX/XX/year> amount of XXXX and the last payment on my part on XX/XX/year> amount of {$1100.00}. My complaint was that since XXXX I was never provided with the account statements for the months of XXXX, XXXX, XXXX, XXXX and XXXX. Because I contacted them they say they can't provide me with those documents because the account has been closed since XX/XX/year>, I have evidence of my transactions from the months I mention here they never provided that information and they can't give it to me, I complained to them and they say they can't because the account was declared unpayable from XX/XX/year> when they didn't provide the credit information and account statements
Product: Credit reporting or other personal consumer reports

Dear Transunion I am writing to inform you that despite my repeated attempts to resolve the matter at hand, there has been no satisfactory resolution or response from your end. I have filed reports with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), but to date, there has been no change or acknowledgment from your side. It appears that my concerns have been either ignored or disregarded. 

This ongoing lack of action is a clear violation of the Fair Credit Practices ( FCP ) and can not be tolerated any further. Please consider this letter as my final plea for help before I pursue legal action. 

Should this matter remain unresolved, I will be left with no choice but to file a lawsuit in federal court. 

I urge you to treat this matter with the seriousness it deserves. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I found my account was closed... they claimed it was fraudulent activity... i asked what looks fraudulent they gave me no answer they told me m funds would be sent to me in 1 to 10 buisness days ... that was over two months ago ... ..they say my funds are under review and they still wont tell me why or anything at this point i have no idea when or if im going to get my money..
Product: Prepaid card

I was gifted a Vanilla Visa gift card on XX/XX/2023. I opened the package and tried to set it up through their website but could not because the card had no printed CVV number. 
On XX/XX/2023 I called the help number and was told by the agent I needed to provide the receipt and the CVV number for them to help me. Because it was a gift, I dont have the receipt. There is no CVV number on the back of the card. Because I had neither of these items, they refused to exchange the card. 

I was then told to use the card in person at a store, and it would work. When I attempted to use the card, the store card reader would not recognize the card. I tried three different card readers at the XXXX XXXX grocery store in XXXX, TX on XX/XX/XXXX. They all gave an error message that the card type was not recognized. 

I called their complaint line today, XX/XX/2023, as outlined in their terms and conditions. The customer service representative asked me multiple times if the card worked, and I answered no each time. She then asked for my first name and placed me on hold for about five minutes. She then disconnected the call. At this point, the card is useless, and the company will not provide a replacement. 

I can provide the card with all funds still loaded. I simply want to exchange it for a card that works. 



I have attached images of the gift card that show the lack of CVV.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud
Product: Credit reporting or other personal consumer reports

I have contacted Shellpoint mortgage on multiple occasions via phone throughout XXXX and XXXX of 2024. I was instructed to email my dispute complaint to them on XX/XX/XXXX2024. I did so on XX/XX/XXXX2024 and never received a response. 


-Periodic Statement Requirement In accordance with 1026.41 the creditor was required to send me periodic billing statements at for each billing cycle. The lender failed to do so as I never properly received account statements. Upon checking the statement history it has been confirmed that despite providing the company with my correct address they failed to include XXXX XXXX within the address line and as a result the mailed statements from XXXX 2024- XX/XX/XXXX2024 to the incorrect/incomplete address as my unit number XXXX wasnt included in the mailing address ( see attached documents ). 

-Missing Payment History The account was charged off in XX/XX/XXXX2024. The XXXX history status for XXXX does not accurately report this charge off status for the month of XX/XX/XXXX2024. 

-Inaccurate Foreclosure History On XX/XX/XXXX2024 the companys representative XXXX stated that the account was successfully foreclosed as of XX/XX/XXXX2024, my credit history also reflects this FS status for XX/XX/XXXX2024. This is inaccurate as the companys attorney requested the claim be dismissed on XXXX/XXXX/24 ( see attachment ). 

-Inaccurate Current Balance I have been told the {$440.00} balance reflecting on credit reporting is foreclosure fees. However, the foreclosure proceedings were dismissed without prejudice due to the balance already being charged off. These {$440.00} of foreclosure charges also arent viable as I never received periodic statements properly to warrant any late payment. The charge off amount provided by the company was also to include all and any outstanding charges and fees.
Product: Credit card or prepaid card

I purchased an XXXX XXXX XXXX from XXXX that was supposed to have been delivered with signature only. I never received the merchandise nor did I or anyone in my household sign for package delivery The merchandise was stolen and I filed a dispute with my Chase Freedom credit card. XXXX rebilled the dispute and my credit card is not resolving the matter
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Mortgage

The mortgage lender for our home loan is Bank of America. We moved into our home in XXXX and in XXXX I lost my job and we began trying to work unsucessfully with BOA and are still being challenged with trusting, getting support, and responsiveness with BOA. They are giving us the run around, denied assistance, provided minimal assistance that was n't helpful and then simply are unresponsive in our modification process now. This has been going on since XXXX. 
1. We were denied assistance in XXXX because my spouse holds the loan but I lost my job. BOA told us they couldnt help us repeadedly. Our household income was reduced by XXXX. In XXXX I was underemployed working part time for approx XXXX a year and we requested assistance. We were approved for a trial modification reducing mortgage for {$180.00} a month. We could n't accept because we could n't even afford the reduced amount. We paid XXXX mortgage payments instead, rejected the modification, and tried to borrow $ from family and when work bonuses were received we tried to catch up. 
3. We continued to struggle, I was re-employed full time making 30 % less than the career I had before, were still struggling, went into forclosure in XXXX, took XXXX dispursements to get out, and we are still struggling. 
4. XXXX we have enormous debt, we cant catch up, we have sold all stocks to reduce the debt, we have high expenses, over XXXX in medical bill debt. We began the modification process in XXXX XXXX and as of XXXX/XXXX/XXXX we are still in it and ca n't get this process moving. We have been given the runaround, the process does n't tell you what additional information you need to send, they send the same letter over and over again without specific info on what they need just the boiler plate list of required documents, they do n't communicate with you, respond to emails or call back, meetings scheduled have been no shows on part of BOA, and the phone numbers they provide on their website do n't work. We have lost trust that we will get help and although we are paying or mortgage. we have bills that ca n't be paid ont he other side like car payments, daycare, etc. We have complied with everything they have asked and then some. This process needs an overhaul. HAMPT is meant to help homeowners not give then the run around. I 'm sure there are others in this same class that could come forward to validate these complaints. Its terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed unauthorized inquiries that appear on my credit report. Unfortunately, Equifax has not removed any of these items or provided proof that I initiated that inquiries or that a investigation was even conducted. The unauthorized inquiries are as follows : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : CXXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX  Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This insignificant company -- Ginny 's -- is reporting that I had a 39-day late on an item I never received in which it agreed back inXX/XX/2020 that there was an accounting error. I have demanded this item be removed from my credit report but each time I dispute XXXX lies and states it has been investigated and no update. CORRECT YOUR MISTAKE GINNY 'S AND DELETE THIS BOGUS ITEM. XXXX 's latest investigation : Date Submitted Date Completed Results XX/XX/XXXX XX/XX/XXXX View Dispute Results According to XXXX an investigation was completed in two days. There was no investigation done in two days. This bogus item from Ginny 's should be deleted immediately. I have never, ever had a 30-day late on any of my accounts with many that have been paid in full. I am surprised at Ginny 's because on record I am an excellent paying customer and often paid in full and keep receiving automatic credit line increases without requesting. I hardly ever use this card because I have other major credit cards that are often paid in full -- no lates, no missed payments. XXXX is the only credit bureau that is reporting this bogus information. It is so irritating that this bogus information will sit on my credit report for 7 years. I will never accept this!!!! The only adverse account I have had in over 10 years. Unbelievable!! Ginny 's are aware they are reporting bogus information because I contacted the CEO back inXX/XX/2020 and not sure why the accounting error has not been corrected -- the start of the pandemic. XXXX has a track record of reporting bogus information and refusing to due proper investigations and follow FCRA laws.
Product: Credit reporting or other personal consumer reports

recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following date XXXX I'm now requesting you investigate this account XXXXXXXX XXXX XXXXXXXX and update these payment to paid on time immediately. Thank you for your understanding and prompt action!
Product: Student loan

The company is Mohela. 

I made payments to them on XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24 and XX/XX/24. During this time my loan was transferred to XXXX XXXXXXXX. I was told auto payments would automatically transfer. These payments were never sent over to XXXXXXXX XXXX and also never put into my mohela account. Mohela customer services told me the money was probably just put in a general fund and that there is no way to track it. However my XXXXXXXX XXXX statements show the 5 payments being made to Mohela. I have called Mohela 3 times. Each with over an hour wait time. I have also submitted a written request to the company to show me proof of receiving these payments and where the money was deposited.
Product: Checking or savings account

I have a Navy Federal Savings Account XXXX which I have received monthly statements as well as their own website which shows an available balance of over {$1000.00} but when I went into the branch today to withdraw my money I was told the account has been closed for a long time and that I am incorrect this is simply impossible the most recent statement which the bank mailed to me is dated XX/XX/ so I am not sure what the bank is trying to pull here but I demand my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 XXXX was made aware of fraudulent accounts being reporting due to identity theft fraud. As well XXXX was requested by third party debt collector XXXX XXXX XXXX to remove a file.
Product: Debt collection

On XX/XX/22 I received a letter from Apelles in reference to an alleged amount due to XXXX XXXX for {$110.00}. To my knowledge, I have never agreed to do any business with Apelles. As of my right, please provide written validation of any business agreement with your agency ( Apelles ) per FCRA regulations.