23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, Caliber and I signed a XXXX Payment Deferral Agreement. I have followed the agreement 100 % and make all the payments a required. 
Caliber keeps misplacing my payments and have asked for more money than the agreement requires, and still after 6 months, they have not brought my account current. 
I spoke to XXXX XXXX and open a case against Caliber.

I wanted to refinance my mortgage when rates were around 3.5 %, but was not possible, because my mortgage is still under collection and the requirement is that I have to have XXXX payments done on time. I have made XXXX payments on time plus at least an additional payment to cover a payment they could not find. 
My regular payment starting XX/XX/XXXX was {$2600.00}, but Caliber keeps changing the monthly payment. 
I can provide the payment history, so that you can see, it is all over the place. 
Thanks for the help
Product: Checking or savings account

XXXX XXXX XXXX is trying to access my information with my consent to do so. I want to use my debt card to round up my purchases to use the rounded up change to invest in my portfolio with XXXX. 
XXXX has requested me to file this complaint so that we as the consumer have a right to choose whether or not to allow these 3rd parties to use our financial institutions instead of our financial institutions making that decision for us.
Product: Debt collection

Ive called TSI multiple times to verify a debt that theyve placed on my credit and whenever asked to validate the debt they can give no information and dont have any contact information for me all of a sudden and when I asked to remove the debt since it cant be validated they hang up on me.
Product: Credit card

On XX/XX/2023 I purchased a leather jacket branded by XXXX XXXX from the merchant XXXX  XXXX in the amount of XXXXXXXX XXXX tracking was XXXXXXXX XXXX XXXXXXXX received on XX/XX/XXXX. Upon opening the package I realized it was not what I had ordered and promptly contacted the merchant to return the item or reach a solution. Despite an effort to contact the merchant they never responded and I waited until XX/XX/XXXX to submit my claim Dispute # XXXX giving the merchant enough time to respond and give me a solution which they didnt. Upon submitting the claim I realized I wasnt asked for any information and asked and said theyd ask for it if needed so I let the dispute process take its course until XX/XX/XXXX that I realized that they still hadnt asked me for any information. The rep I spoke to told me they hadnt requested any information because the merchant never replied so I assumed I was going to win the case but still sent them evidence to substantiate my claim. On XX/XX/XXXX a week after I had raised my concerns my dispute was ruled in favor of the merchant because of the evidence they provided. Not only did they lie to me saying they didnt respond but they did not take my evidence I immediately raised my concerns to the Goldman Sachs supervisor who admitted fault that the reps had misinformed me and messed up and they said my only option was to reassert the claim. I have sufficient evidence which I will be providing along with the conversations with the Apple Card reps to show the missteps that they took with my claim and hopefully I get my money back as its blatant that I never recieved what I ordered. The new dispute claim number is XXXX if you need anymore information do not hesitate to reach out thank you for listening.
Product: Debt collection

Communication tactics ( repeated phone calls, used abusive language ) Electronic communications ( text message, email, social media ) Attempts to collect debt not owed ( debt was paid, discharged in bankruptcy, result of identity theft, was owed by a deceased family member ) Written notification about debt ( didn't receive, didn't know you could dispute debt ) False statements or representation ( trying to collect wrong amount, impersonated lawyer or government official ) Threatened to contact someone or share information improperly ( contacted employer, contacted you after asked them not to ) Took or threatened to take negative or legal action ( threatened to sue, arrest you, seize property, deport you, collect exempt funds, damage your credit ) Didn't receive enough information to verify debt Didn't receive notice of right to dispute Notification didn't disclose it was an attempt to collect a debt
Product: Student loan

XXXX called and got a lower monthly payment. The payment was supposed to be {$290.00}. 

XXXX made first payment of {$290.00} XXXX mohela servicer took {$760.00} of bank account without warning XX/XX/23 called and asked why this amount came out without my knowledge or permission. The XXXX XXXX hung up on us because she didnt want to deal with us. The XXXX XXXX helped us and told us to resubmit for the lower payment then disbute the charge with the bank because they couldnt refund the {$760.00}. The bank froze all my bank accounts and now I cant access anything because mohela took money out they were not permitted too.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognized or apply for upon further investigation. I realize that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question and they are negativity impacting my credit per section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed from my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me the recovering lost fund was impossible and that tracking these transactions was unfeasible. The CFPBS findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Error mesage when trying ti link to XXXX says CapitalOne is blocking me from enaebling external applications
Product: Checking or savings account

i opened a suntrust bank account XX/XX/XXXX & the online app didnt work so on XX/XX/XXXX i called and they told me my account was closed for review, with no email, letter in the mail or call notice. they said my funds would be sent via check 7-10 business days, I called again XX/XX/XXXX & was told my account was closed on the XXXX & that i had to wait 5-7 business days for a check in the mail. 11 business days later XX/XX/XXXX i call and they tell me that my account was closed on XX/XX/XXXX and a check will be mailed on 7-10 business days. it has been 15 business days since the account was supposedly closed and they keep telling me different days and to wait 7-10 business days each day i call. still to this day i have no received a letter in the mail, an email or phone call regarding my account being closed for any reason or any explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX Mercedes Benz Financial Services agreed to change my payment due date to the XXXX of the month instead of the XXXX. Since I was hospitalized and due to me recovery I needed to push the date my payment would pull from my account. I never had a late payment with this company before. They sent me a letter confirming the payment date change. In XXXX I made my payment online on XXXX XXXX they did not pull it until XXXX XXXX, which still would 've been 23 days. They then reported a 30 day late payment to the credit bureaus. When I called them regarding this they then told me my payment date was changed back to the XXXX. I was then told that they would make the change and removed the derogatory, they told me to send my request in writing which I did. I recently receive a second letter telling me that my date was changed back to the XXXX of the month. Then a second letter stating that they are not going to remove the derogatory, this is unethical and unprofessional. I have written to them and tried to call to no avail.
Product: Debt collection

XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH XXXX XXXX XXXX XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. SENEX SERVICES CORP {$30.00} Account Details Last Reported XX/XX/XXXX Collection Agency SENEX SERVICES CORP Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$30.00} High Balance {$30.00} Remarks Consumer disputes after resolution Consumer disputes - reinvestigation in progress
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX email : XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Destination : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date XXXX XX/XX/XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : Creditor Name : JPMCB CARD SERVICES XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO FIX THE PROBLEM SEVERAL TIMES, THE FOLLOWING ACCOUNTS ARE NOT MINE, I HAVE CONTACTED EQUIFAX SEVERAL TIMES, THEY HAVE NOT PROVIDED ME WITH ANY SIGN CONTRACTS IN MY NAME OR ANY VALIDATION OF DEBTS, I HAVE BEEN A VICTIM OF IDENTITY THEFT, I AM ASKING THAT THE FOLLOWING ACCOUNS BE DELTED AND THE HARD UNAUTHORIZED INQUIRIES. 
XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 
INQUIRIES, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 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

I have repeatedly disputed the XXXX XXXX XXXX XXXX account on my credit report with each bureau. Each one is reporting inaccurate information they claim is verified. Each one is reporting different information. There should not be a payment due listed on this charged off account. It was written off, but the bureaus claim there is a payment due and a balance due. I requested the payment history from XXXX XXXX XXXX XXXX, and have provided that to the bureaus, but they are still reporting inaccurate information as verified. XXXX states the balance due is {$2000.00}. The bureaus are reporting {$8900.00} due.The payment history is incorrect according to the document provided by XXXX XXXX. This inaccurate information has been disputed, however, it is still inaccurately being reported. This misinformation is extremely detrimental to my financial well being and credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today : XX/XX/2019 I went onto XXXX and noticed two unauthorized hard inquiries on my credit report. 
First company reported hard inquiry XX/XX/2019 from : XXXX XXXX, FL XXXX ( XXXX ) XXXX-XXXX Second company reported hard inquiry XX/XX/2019from : XXXX XXXX, DE XXXX ( XXXX ) XXXX I never authorized either of these two above companies to check my credit. I haven't tried to get a new line of credit, whatsoever. I contacted both of the above companies directly and the calls where an automated advertisement company offering products. I have no information on how to get in contact with these false companies to address this issue and I'm concerned my credit may become jeopardized if this is not taken care of soon.
Product: Vehicle loan or lease

Since XXXX  I've been trying to resole this account with the company, Bridgecrest is still reporting to the credit bureau as derogatory/delinquent.I have made numerous attempts to resolve this issue, and have been given the back and forth with the company saying they will get back to me .The account is in a bad state and I need this to be rectified as soon a possible so that I can increase my credit score and have this account taken out the system and the account status updated.
Product: Credit card or prepaid card

Im so embarrassed and apologetic for my recent behavior with one of the customer service representatives at American Express. I am suffering from severe XX/XX/XXXX and XXXX brought on by the pandemic. Im in the corporate events space and was let go two years ago and unable to find work in my career due to no one attending conferences. My wife was recently diagnosed with an XX/XX/XXXX called XXXX XXXX which is preventing us from having a XXXX  child, XXXX dropped my home due to a puff back claim from soot damage caused by a fireplace in the home, my mom is in severe pain suffering from XXXX XX/XX/XXXX, has never met her grandson, wasnt at my wedding and XX/XX/XXXX because of the pain and emotional suffering. Im trying to manage the soot clean up and find an insurer to replace XXXX as Im being dropped do to claims history. XX/XX/XXXX XXXX, XXXX, The car dealerships, sons school and camp, every home service provider, XXXX, XXXX, XXXX, the XX/XX/XXXX storing my sons blood, pharmacy all have my American Express card for billing purposes and everything is set up through auto pay. I have never missed a payment and never had an issue with American Express over the past 25 years. 

Im so apologetic that nothing like what occurred will EVER occur again. Since my card was cut off my life is spiraling out of control, and I want to regain control. Im begging you for forgiveness and mercy. No situation or circumstance should have brought about my language, and it will NEVER happen again. Im begging to PLEASE be reinstated as a customer. I would like to move my rewards points over to one of your hotel partners as well. 

My wife, who is a newly minted physician at New York XXXX XXXX XXXX, was unable to pay to automated parking garage fee last night with the AmEx card I provided her. I was unable to purchase XX/XX/XXXX with my card last night prompting me to call only to find out that I was cancelled as a customer after a loyal 25 plus years. We have no other credit cards as my entire life was set up with AmeEx through automated bill payments. My XXXX XXXX XXXX has a tuition payment due, a camp payment due, HVAC work that needs to be paid off. 

Im begging to please be reinstated. I no longer live in XXXX so please reach me by email or a call would be most appreciated. 

Best, XXXX XXXX XXXX
Product: Mortgage

I have paid extra on my mortgage and the extra was to go to my principle and instead they put the money into escrow and suspend payment. They are now saying I owe over 7,000 on my mortgage. I have attached a copy of my last mortgage letter. Now they are saying I am delinquent. It was a construction loan and they did not accept my payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX, and cancelled the account due to a move. They had on record that I did not return their modem, and charged me {$120.00} for it. The thing is, I returned the modem and have a receipt for the return and that it reflects no balance owed. 

They turned the account to collections, and it ended up on my credit reports. I successfully disputed it through XXXX by explaining and providing the receipt. I attempted to do the same for Transunion and XXXX but it was rejected after investigation. 

I would like to have the incorrect information removed, as it is inaccurate and damaging.
Product: Mortgage

In XXXX, my wife and I got a modification for our mortgages. 
From the XXXX bureaus they were reporting late payments. 
I pulled my credit report and the mortgage was supposed to be reporting positive but did n't. I called my lender in XXXX XXXX to find out why my loan was not reporting positive and was told that my wife filed a chapter XXXX in XXXX and they can not report any activity to the bureaus unless my wife 's attorney re-affirms the loan. Later on I filed an online dispute with all bureaus. XXXX updated the file and closed the account. XXXX did the same. XXXX verified the information and it remains. This has lowered my scores.
Product: Mortgage

The lender refuses to stop the sale date to give the opportunity for Loan modification Review.
Product: Credit reporting or other personal consumer reports

This is in regard following account ; Alleged Creditor XXXX XXXX XXXX XXXX  Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Product: Vehicle loan or lease

Hello, I've had a car loan with Ally bank for the past few years now, in which I pay $ XXXX monthly towards, from my XXXX XXXX XXXX checking account. 

On XX/XX/2019 Ally bank used my checking & routing information to deduct an unauthorized payment {$1000.00}, and deposited it into another Ally customer 's account. I have no relation whatsoever to the recipient of the funds and Ally bank has done nothing to help resolve this claim. They have refused to correct the blatantly fraudulent charge, have failed to contact the recipient of the funds, and have completely denied responsibility for their error. 

Additionally, after more than 2 months Ally has failed to even explain the nature of the amount and have even blamed me for the error. Ally has the transaction details clearly showing the transfer was not made by me, but is claiming complete ignorance as to why and how it was made. 

My bank- XXXX XXXX XXXX has had to provide me with all of this information, but unfortunately can not move forward with the claim because I have had previous business with the banking entity ( Ally Bank ). 

I'm running out of resources on how to dispute this. Since the amount stolen from my account is well over {$1000.00}. I am need of this funds as soon as possible. 

I need your help with this please. 

Ally confirmation of Payment # : XXXX Much appreciated, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit card

Good morning my name is XXXX XXXX I am having problems with this credit card company called Fortiva.I had this credit card almost 2 years in XXXX  I had fallen on hard times I maxed the card out in XXXX of XXXX  It wasn't no problem when the card was maxed out and I struggled a little to make payments so they charged late fees over the limit fees so when I got back on my feet I paid the credit card down to XXXXThis when the problems started I spent a little credit then paid it right back I didn't want to keep a high balance.I been trying to make a payment they won't let me I sent them my ID, Lease, pay stubs, W2, selif, water bill, cell phone bill, everything matched.I order a new card and updated my cell phone number once I paid the balance down to XXXX they say I committed fraud.I am trying to figure out how I can't get this company to be transparent about anything every time I call they have me hold for 30 -40 mins I asked them what proof do they have they can't tell me anything beside say it's fraudulent because I updated my cell number I did change my address I didnt report my card lost or stolen I didn't report any fraudulent active I did ask my card to be locked or my account.I have XXXX children XXXX old XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX years old I work full time job.This company want me to send information in which I did, I don't have my # SS card nor do I have the time to go stand in line for hours just trying to get a copy of my SS card.I can see if I wasn't making any payments always late always maxed the card out then penalties me but why penalties me when I made payments on time and paid my balance down where is the reward for doing that instead they want to bring my credit score down, they thought I was a easy target because I had not so good credit.This credit card company came looking for me sent me offer to my place of residence I didn't come looking for themthey didn't ask for any ( # SS, pictures ID, any water bills they didn't ask for anything they just wanted me to sign up for the card when I did the was qick to activate the card now they see I was a easy target someone they couldn't take advantage of and I make my payments on time now its a problem they won't let me make payments even though I have the money in my account.Im asking the company to let me make my payments and stop trying to hold me back.I wouldn't recommend ( Fortiva ) credit card for anyone they out here trying to take advantage of people with not so good credit but when u trying to improve your score they want to be your nightmare.