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

I opened Citibank credit card with best buy, i purchased a computer that I never received, best buy told me if was delivered but i never received the item, it was ether stolen or delivered to the wrong address, they told me they contacted the shipping compony and that they have proof of delivery, and they denied replacement item, they told me to contact my local police department for theft claims, at the point i called the XXXX bank and filed dispute # XXXX on the XX/XX/XXXX they told me that XXXX has 30 days to respond and if they don't respond then it will be ruled in my favor, I called 31 days latter XX/XX/XXXX, they had nothing from merchant, told me that they have another 30 days to respond ( that is not a true statement ) then I called week latter they told me that investigators need to rule on disunion and they will notify me, i called XX/XX/XXXX they told me that they got something form best buy and they with in time frame and they will investigate, and it will take up to 60-90 total they got something from best buy on XX/XX/XXXX and that passed 30 days then they told me its from the day best buy received the docs ( XX/XX/XXXX ) so 30day would expire on XX/XX/XXXX but then they told its 30 Business Days i asked them to email me where they coming up with these time frames and they told me they cant and i should have it in term and agreements brochure, they wont provide the copy, in regards of what best buy is saying that they have proof of delivery is a note from the delivery driver ( note that says left at the door ) delivery compony has a policy to get a signature for amount over {$1000.00} but shipping compony told me that best buy never notified them that its a expensive item, so no one is taking responsibility. I'm trying to resolve it but these 3 monsters compony against one me and they are pointing figures at each other and one is helping. not I'm stuck paying {$1500.00} for something i don't even have. please help
Product: Mortgage

After falling behind with my mortgage payments, Mr. Cooper ( my lender ) placed me on a trial modification payment plan ( for the months of XX/XX/XXXX to XX/XX/XXXX arrears ) beginning XX/XX/2019. After making the first two payments, Mr. Cooper decided that although I mail out the third payment prior to the due date ( XX/XX/2019 ) my payment was not posted until the XXXX of the next month. When the payment was finally accepted, the lender refused to accept the next months payment. However, Mr.Cooper Did accept the XX/XX/2019 payment. While communicating with them today ( XX/XX/2019 ) they stated that they would refused the XX/XX/XXXX payment as well. This situation could have been averted by just posting the money on the next day of business. Now the invoice is stating the arrears are now {$4700.00}. According to my calculation there are only two months of arrears ( this month and XX/XX/2019 )
Product: Credit reporting or other personal consumer reports

After reviewing my credit report on XX/XX/XXXX I notice there are a serval accounts reporting inaccurate information in violation of my consumer rights 15 USC 1681 ( e ) B. The following accounts and inquiries are reporting that I didn't not authorize or never did business with. The accounts are reporting different open dates, I am one human I can not open the same exact accounts with matching account numbers on different dates. The following accounts are as followed : XXXX {$580.00} date reporting XX/XX/XXXX and XX/XX/XXXX XXXX XXXX shows no balance but its reporting negative currently date reporting XX/XX/XXXX XXXX XXXX {$1400.00} date reporting XX/XX/XXXX and XX/XX/XXXX XXXX  {$870.00} date reporting XX/XX/XXXX and XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2020 @ XXXX or XXXX XXXX  literally from one transaction to another chime bank closed my account without any notification! When I call the support number its states my account is closed or suspended and directs me to the email. Which I have been emailing since last night and only gotten some automated message back with no real response or resolu. tion!!! I just moved states and need my money ASAP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting, Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated, but how is that possible if the date opened is inaccurate, the date last active is not accurate and date last reported isn't accurate. That is grounds for removal and they also violated my rights under 15 U.S.C. 1681 section 602 a states I have the right to privacy. 

15 USC 1681 section 604 consumer reporting agencies can not furnish my accounts without my written permission. 

Ive sent in investigation letters XX/XX/2022. The disputed errors came back verified or accurate. I sent in another letter on XXXX XXXX and have received no response. I have disputed errors on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

I have BSI Financial Service for two Mortgage Loans. 1st mortgage ( XXXX ) and a 2nd Mortgage ( XXXX ) ... 

In XXXX, thru the investor on the account, we did a Restated Promissory note on the 2nd Mortgage ( XXXX ) and agreed to pay XXXX. The purpose was to bring the account, which it now is and to help get my credit cleaned up so I can refinance my loans. 

On XXXX BSI misapplied the XXXX to the 1st mortgage ( XXXX ). I have called this company over 20 times, working to make them understand that this XXXX was the first payment for the promissory note and I need it to be applied to the 2nd mortgage ( XXXX ). 

Over and over I have called them. Everyone I speak to says this and that. Everyone I speak to is like " oh my goodness '' we need to fix this ... Does it happen. No. No and NO. 

My " personal contact '' was XXXX XXXX. Who couldn't call me back if my life depended on it. So I have called to the investor and his staff to reach out to BSI to please Apply the XXXX received XXXX to Loan # XXXX and remove the XXXX late charge. Which They have done and were promised it would be handled. 

What does it take for a company to clean up their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I LOOKED AT MY CREDIT REPORT TODAY, AND TRANSUNION SHOWS FROM THE MORTGAGE COMPANY, XXXX MY LAST PAYMENT WAS MADE ON XX/XX/2021 WHEN IN FACT THE LAST PAYMENT OF {$1900.00} WAS MADE ON XX/XX/2021. THE DATE OF THE UPDATE ON TRANSUNION IS XX/XX/2021. PLEASE HAVE XXXX UPDATE ALL CREDIT REPORTS TO REFLECT MY XX/XX/XXXX PAYMENT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened a account with Citi bank that was supposed to pay a XXXX bonus.Ive jumped through all their hoops to qualify and called them at least 3 times. Case # XXXX
Product: Credit card or prepaid card

Capital One has been dropping the ball repeatedly and the amount of time and inconveniences they have caused me has gone too far. 
I purchased two airline tickets on XX/XX/XXXX, the first in the amount of {$160.00} and the second {$370.00}, it takes a lot of planning and time spent in deciding this purchase but to hit a wall I didn't see coming? again, this is not the first time either, same thing happend exactly 7 days ago, none of my cards with Capital One wouldn't process and when I called the representative then, they are not willing to take responsibility, nor apologize or explain as to why, this is ridiculous! Yes, my funds are plenty! And this is not user related issue believe me ( browser, internet connection, typo or whatever crosses your mind now ) I know what I am doing, it seems the transaction went through for now, that is what it appears like, but no pending transactions are showing in Capital One pending activity page for the entire day that I made purchases for, forget the past hour, and the agency I purchased the ticket from may not be issuing the ticket because nothing has gone thru, this is taking owefully long and that is what prompts me to dig deeper and find out there is " system update '' going within the Capital One, whatever that means, that doesn't mean anything to the customer, just words, be transparent and let your customer know before they get impacted, be transparent and professional. How am I suppose to know if my online purchases went through or not, if I am not receiving the usual email, texts, and also doesn't show under pending transactions for hours? And in last weeks case, it just wouldn't charge at all, I had to call and provide my card information to make that purchase, why all these unnecessary hassle? Now, if I don't get that ticket processed soon, the rate will change and I will be forced to look for other financial institute that would like to take my money but at the same time are stable, communicative, transparent and professional, these are the basic principles, ... come on! 
I just want Capital One to take this seriously and stop this " brown outs '' which are not acceptable in my book.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX XXXX # : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX XXXX # : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXXXXXX XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately, please remove this from my credit report immediately
Product: Mortgage

Specialized Loan Servicing did not issue a Deed of Reconveyance or Lien release for a HELOC that was forgiven/cancelled on XX/XX/XXXX. 
I contacted Specialized Loan Servicing on XX/XX/XXXX to provide a payoff request or deed of reconveyance for the cancelled HELOC, however, as of XX/XX/XXXX I haven't received any of the documents requested. 
The only communication I received was a letter from Specialized Loan Servicing on  XX/XX/XXXX stating that the Lien release is in the process and " the copy of the lien release will be sent to you under a separate cover ''. 
I have been calling ( on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) to get a status of the lien release. The company is unable to give me a timeline on when I will receive the lien release.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX vacation Account # XXXX, and XXXX XXXX XXXXAccount # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I applied for the Barclays luxury black card and received a letter for me to call and confirm that I have applied for the card. I called them, and confirmed that it was me, and they told me that there is a block on my account, and that some other department will call me back and resolve this issue. I get no call back after waiting for more than 2 weeks, so then I call back, and I know there is an annual yearly fee of XXXX dollars, which I tried to make a payment and they said that there is still a block on my account and that I wouldn't be able to pay it. Mind that I still haven't received my card and have absolutely no information or access to this account, the least I thought I could do was pay the yearly fee. The reason of my complaint is that they reported my credit report/ credit bureaus as 30 days late. After seeing this 30 days late I called them, and they tried to resolve this issue because it wasn't my fault that this happened. At this point I am very upset and i told them to close the account because I don't want anything to do with them. They said they closed the account and will remove the annual fee and also said they'll notify the credit bureaus, and that I have nothing to worry about and how this is their fault, as well as reverting that late and all will go back to normal. The whole point in which why a late was put was because it was their fault claiming I couldn't pay the fee. As I said once already, I HAVE NO ACCESS TO THIS ACCOUNT. After speaking with them ( XX/XX/XXXX ) and thinking this issue would be resolved, I check my reports on XX/XX/XXXX and see that they put 60 days late on my report. So, I call them again thinking they would stop this nonsense, but they claim that it will take 2 months or so to get it resolved. I'm not trying to wait another 2 months and see my credit score go even more low than it already has, and my credit limits decreasing on all the other accounts, ruining the perfect credit score that I did have!!! Please if there is any hope to get this resolved within a good time frame that would be great. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a loan consolidation in XX/XX/XXXX with Vystar Credit union. My credit score was sufficient for me to do so as I have always tried to pay my bills consistently on time and before 30 days. I had a car loan with Vystar and paid it off early last year. The complaint is regarding the loan taken out XX/XX/XXXX. I attempted to make XXXX payments to Vystar in XX/XX/XXXX thru Bill pay and it was declined by Vystar according to XXXX XXXX XXXXXXXX Bill pay. The reason was the address was inaccurate. Vystar has at least XXXX different addresses on their website that can be submitted on Bill pay. XXXX at. Vystar office stated to me that they were in a transition when I sent the payment ( From XXXX to XXXX then back to XXXX was cited as a reason ). I explained to the collection department what occurred and they stated that they do not grant such requests, in spite of it being their declining payment. This late payment is the only late payment that I have on my credit history in more than XXXX years. This late payment is making it difficult for me to expand my borrowing ability. Vystar has a history of ineptitude as it relates to serving clients needs regarding complaints. They recently had a massive snafu with reference to customer and access to accounts. XXXX and XXXX in collection at Vystar made it clear that they do not do goodwill reporting, even if it Vystar fault. They should not be allowed to ruin a persons credit because of institution incompetence. This incompetence extends to customers inability to set up accounts and submit payments directly to Vystar. I attempted to set it up and it ended by telling me it failed and to call a number the next day which I did as instructed. No live person was accessible. I then went to the Branch office on XXXX XXXX in XXXX, FL. I was given XXXX different addresses by XXXX tellers. The car loan and consumer loan sites are different as far as payment addresses are concerned. I simply want them to remove this reporting from my credit. This is not good will report removal, it is them doing what they should do legally.
Product: Mortgage

Submitted an application to Franklin Credit Management Corporation in XXXX. We received a denial letter on XX/XX/XXXX denying our application for not having enough income. We had 30 days to do an appeal. On XX/XX/XXXX we submitted pay stubs ( new employer for XXXX XXXX my wife ), one profit and loss statement XXXX XX/XX/XXXX, and room rent. On XX/XX/XXXX we received another letter denying our appeal request because of the income. The income on the letter is not right. XXXX XXXX the account representative was absolutely rude and accused us of trying to manipulate the file. That is a big accusation from this person. We are trying to save our house. How dare can he accuse us of such a thing. XXXX XXXX was evil.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}
Product: Student loan

I applied for a change from XXXX to XXXX on XX/XX/XXXX. XXXX shows my app has been forwarded to MOHELA for processing and also shows form received by them for review on XX/XX/XXXX2025. This has been addressed to the servicer with no response as of yet. XXXX guidance states the servicer will move the borrower into a processing forbearance of up to XXXX days while awaiting processing. At present, I am still in Awaiting Form Administrative Forbearance status. XXXX attachments clearly show MOHELA is in possession of my application and has begun reviewing same. I am asking to be immediately placed into Processing XXXX, as is clearly stated in the XXXX guidance, and that my servicer execute this change immediately. 
Account # XXXX