23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with Nordstrom credit card concerning a late payment that was placed on my account. The company did not PROPERLY address the ORIGINAL issue and complaints and responded that they made me aware that late credit reporting can't be altered ... ..after the fact and actual events that occurred other than what I was told and reassured upon. The complaint is that it shouldn't have never been reported late as I was told my account will not incur a late payment report due to my XXXX XXXX but I was. So that's an error on the Card company not the actual consumer, therefore changes can be made. It's not fair, good customer service or ethical to assure as a company that something won't happen especially when it comes to a pandemic such as COVID.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XX/XX/2024 XXXX, TransUnion, and XXXX Subject XXXX Dispute of Negative Items on Credit Report Dear XXXX, XXXX, and TransUnion I am writing to formally dispute the multiple negative items listed on my credit report, as provided by your agencies. I request a thorough investigation of these items, as I believe they are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

The negative items I wish to dispute are as follows : XXXX. LXXXX XXXX ( XXXX, TransUnion, XXXX ) XXXX. XXXX Bank XXXX TransUnion, XXXX ) XXXX. XXXX XXXX ( TransUnion, XXXX ) XXXX. XXXX XXXX ( TransUnion, XXXX ) XXXX. XXXX XXXX Bank XXXX TransUnion, XXXX ) XXXX. XXXX XXXX XXXX XXXX TransUnion, XXXX ) XXXX. XXXX XXXXXXXX XXXX XXXX TransUnion, XXXX ) XXXX. XXXX XXXX ( TransUnion, XXXX ) XXXX. ALL INQUIRIES NOT TIED TO AN ACTIVE ACCOUNT. 

These negative entries are related to adhesion contracts, which I believe are inherently unfair and may not represent a true reflection of my creditworthiness. I am requesting that you provide validation of these debts, including the original creditor information and any signed agreements.

Additionally, I have concerns regarding the involvement of your agencies in practices that may be construed as peonage. Peonage is an illegal system of involuntary servitude and is punishable under federal law. Should I find that these negative items are not only inaccurate but also tied to predatory practices, I will take further action to protect my rights. 

Please investigate these matters and inform me of the results at your earliest convenience. I appreciate your attention to this issue, and I expect a response within the XXXX timeframe as mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX : XXXX
Product: Mortgage

On XX/XX/XXXX, after receiving a preapproval letter and qualifying for a mortgage purchase back in XX/XX/XXXX, we were advised by our local NACA office that they were declining to allow us to put a contract on a house due to maternity leave despite the fact that we are no longer on maternity leave and have returned to work and despite the fact that when we were off for maternity leave we utilized banked leave time and our pay never changed. 

After a chain of phone calls and emails over the past couple of days, we were again advised, this time in writing that, as a broker, they are exempt from the fair housing act portion that states denial solely due to maternity leave status is a violation.
Product: Debt collection

Year XXXX - my bill was {$65.00} per month. After XXXX month, I noticed my bill climbed from {$65.00} to increased amounts then I got slammed for {$600.00} on XXXX month for policy I never agreed to and was unaware of hidden charges that were a total suprise. I complained but my words went on deaf ears and kept getting a non-cooperative response to resolve this problem of overbilling issue so I closed my account immediately and switched telecommunications provider. 

After closing my account, I kept seeing bill rise and interest charges and other fraudulent charges being billed. I notified my credit company about the problem Today is XX/XX/XXXX. I just received a debt collection notice which references XXXX charges unpaid dating from XXXX ( XXXX years ago ). I closed my account with XXXX XXXX years ago in XXXX. 
The letter demanding payment today is from a debt collector agency named- Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX They ask to send payments to a different address as : Jefferson Capital Systems LLC XXXX # XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Ref Case # XXXX Their website - www.MyJCAP.com Their Phone - XXXX Avail - M-Thurs XXXX Fri - XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have called Lincoln Finacial 8 times in a 2 week period to resolve my problem, I requested a hardship withdraw and got approved for it couple weeks ago I have the email they sent out when someone gets approved how ever I had to call 2 days later because I never saw the account and their reason was they missed some information and never notified me of it so the send it to processing again, however 2 days later I end up calling again for the same reason and this time the guy on the phone said I was just missing landlords phone number it has being like this ever since than same thing over and over and I still dont see any of my money deposited this money I requested dude to an eviction letter I got from my landlord and of course they all the right documents to prove this. I would never pick this bank but my ex employer picked this as our XXXX bank unfortunately but all the bad reviews they have make sense.
Product: Credit card or prepaid card

I called my income has been affected by covid. All the other banks are offering no interest on their cards to help customers affected by Covid. Capital One wont help. I need help. I have always paid on time, having difficulty this time is not my fault. 

I need a payment plan with no interest for 4 of my credit cards and the walmart credit card.
Product: Mortgage

on XX/XX/XXXX I made a payment via phone on my mortgage. It asked if I wanted it to come from my bank account on file. I have used this procedure with my horrible mortgage company, Selene Finance for over 2 years with no problem. My bank account has not changed in that time. A few days after I make a payment Selene sends me a letter recording my one-time payment. I received one after my XXXX payment. 
I noticed right after XXXX that the money still had not bern taken from my account. I called Selene ( always a recording ) and it stated my last payment was on XX/XX/XXXX. I thought maybe it was just weird because of XXXX. By XXXX, still nothing out of my account. I called Selene and got the same recording. 
On XX/XX/XXXX I received an alert that my CREDIT SCORE WENT DOWN ALMOST 70 POINTS because of a no mortgage payment. After trying many times to get through to an actual Selene person I finally went to my bank to request its intervention. 
Since then, my bank XXXX XXXX XXXX, has communicated with Selene via email. Selene admitted that the bank account it was attempting the XXXX withdrawal from was incorrect but they did not know why the company had it wrong. A person named XXXX in the Escalation Dept at Selene has lied and told XXXX several times that she is researching the issue and attempting to call me three times. I have no missed calls or voice mail messages from Selene or a XXXX. There is no personal number for any XXXX, so I can only call the general number, go through several recorded steps, finally press XXXX and sometimes someone answers. 
Twice I have gotten through. Once on XX/XX/XXXX and today XX/XX/XXXX. BOTH calls were not answered by a XXXX. Once I got a XXXX. Today a gentleman without a name. BOTH times my experience was as follows : Person says who is XXXX. 
They look at their notes on my case and day she must be from the escalation dept. 
I ask to be connected and am told they can not do that but have to send her an email to respond. 
I get put on hold 3-4 times with the person telling me XXXX is not answering. 
I ask for someone else in that dept and they say they cant do that. 
After 20, 25 min of this Selene Finance line cuts out and the line goes dead. Today i was also told that XXXX said she tried to call you yesterday To repeat : I have no missed calls or messages from a XXXX. 

I have docs to submit but am out of town and can not do it until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my account with XXXX XXXX XXXX. Trans union refuses to update my account
Product: Mortgage

My original XX/XX/XXXX was withXX/XX/XXXX and was transferred to Shellpoint. Upon transfer a {$99.00} fee appeared I was never aware of. I contacted the company and after they researched it, I was emailed XX/XX/XXXX that the fee was from the prior servicer ( SLS ) and had been waived as of XX/XX/XXXX. The fee continued to show on all my statements thereafter. I called Shellpoint XXXX/XXXX and was told they would escalate it to a manager to remove it from the website and my statements. That did not happen. I called again XX/XX/XXXX, spoke to XXXX who again said would escalate it to manager to remove it from the account within 24 hours. It did not happen. I called again XX/XX/XXXX spoke to XXXX who said the same. I asked for manager and spoke to XXXX XXXX who said they don't know how to remove it and she has to contact prior boarding to find the right pathway to remove it. This is now over 100 days of excess interest charged to me, because of this fee, I can not pay extra principal payments on theXX/XX/XXXX
Product: Debt collection

Midland Funding is violating multiple sections of the FDCPA by falsely communicating information about XXXX alleged, unvalidated debts to consumer reporting agencies. Additionally, the debts they are alleging to be mine are beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up '' my reports. 

To wit : Midland Funding is reporting an account with a balance of {$1900.00} on an alleged original amount of {$1500.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit '' account with " 1 Month '' terms rather than as a " Collection Account '' and are reporting continued late payments on a monthly basis as though I have a monthly payment agreement with them ( I do not ). 

Similarly, Midland Funding is reporting a second account in the amount of {$600.00} with identical reporting inaccuracies to the account stated above.
Product: Checking or savings account

Beginning in late XX/XX/2018 I began experiencing technical failures on the part of Citibank, said failures involved : ( 1 ) A failure to pay a timely payment under their advertised " Bill Paying '' service which I subscribe to, wherein my rent payment is sent to my landlord, and was actually delayed by around 2 1/2 weeks, which resulted in my being served a delinquency notice by my landlord, wherein I had to pay the rent twice, and then had to petition the bank to cancel their failed late check. Eventually Citibank had paid and sent the late check, which was to have gone out on a timely basis, but did not go out on a timely basis, causing the delinquency notice from the landlord. ( 2 ) The advertised Citibank alert system which warns or notifies clients, which I subscribe to as well, wherein clients are notified of coming payments ( like a rent payment or other bills ), this failed as well, and has not worked properly since around XX/XX/2018. I contacted Citibank via the following methods : ( 1 ) Telephone ( 2 ) In Person ( 3 ) By Email. This all began around XX/XX/2018, when I was served the late rent notice from my landlord. I spoke to various, and numerous, specialists, technicians, customer service personnel, and later supervisors and other management personnel. They all attempted to help resolve the matter, but could not, or did not follow through, and did not call back, did not email back, and the offshore Citibank technicians and personnel were utterly incoherent in their ability to grasp the problem, and could not resolve anything, always deferring the problems to " reset '' solutions, which did nothing. I sent them " screen shots '', and " evidence '' and " descriptions '' of the problems, but they never responded in writing, email or by telephone. Only after approximately eight ( 8 ) months did they actually respond, and only that one time, as they left a short message on my work telephone during a lunch period, wherein they stated that " we have resolved your problems '', and that one call came around XX/XX/XXXX or XXXX. However, that did not resolve the issue, the only things that happened are that they resolved the " Rent Payment '' schedule, and one of the " Alert Notifications '', basically the one for the Rent, which had not worked for many months, and the other alerts are still yet non-operational. My conclusion is that this has been a case of " Electronic Systems Failures '', " Advertisement Misrepresentations '', and " Professional Incompetence '' on the part of Citibank and its respective corporate and technical staff. I have been with this bank for thirty four ( 34 ) years, and have not remembered this type of heightened incorrigible behavior from them, this problematic servicing began at the time that Citibank lowered all Citigold Members to a lower level of service back when they shifted Citigold Members to the Citipriority level.
Product: Credit reporting, credit repair services, or other personal consumer reports

All last year I have disputed incorrect information placed on my XXXX  and XXXX  credit report. Convergent Outsourcing has placed themselves on my report as me owing a debt to XXXX  in the amount of {$1200.00} and stating that the account was opened inXX/XX/XXXX. XXXX  refuses to provide me with proof of debt validation and refuses to reinvestigate this false information. I have attached proof that my cell phone provider is not XXXX  but is XXXX/XXXX  whom I have been with since XX/XX/XXXX.
Product: Mortgage

This is what happened. Citi mortgage has had us listed as an FHA loan, and we paid Citi Mortgage FHA insurance on a government fixed loan we thought we had. We ran into some financial difficulty a few years back, and got behind XXXX payments. We asked Citi for help, and they claimed they were going to modify our loan via the FHA Hamp 2 program. However, after alot of run around, submitting redundant paperwork ( even though on their statements say they keep the paperwork on file for 60-90 days ), we were still denied the FHA modification because we did not meet FHA guidelines. We were also not allowed to make our monthly payments while we were in this process either. In the beginning we, were only XXXX payments behind, at the end it was XXXX. They did put us on a payment plan for 3 months, which we made in FULL and on time, yet were still denied a an FHA modification. We ultimately had to file for bankruptcy to save our home, we felt they were trying to purposefully foreclose. We decided to give FHA and HUD a call, and they informed us our FHA number was never active and have not received any funds from Citi Mortgage over the years. We received our loan in XX/XX/XXXX as an FHA loan, and paid in FHA money that is on our statements, FHA claims they never received any funds because our FHA loan status was never activated due to lack of receiving packet from Mortgage company. Also, our old statements say " Government Fixed ''. Citi Mortgage still says our loan is FHA and puts our FHA number on our loan papers today. We started researching the matter and there are XXXX of people around the nation with the exact same issue, and Citi is doing the exact same thing to them. How could Citi be pursuing a FHA loan modification with an inactive FHA number? We still make our house payments today, but also have to pay a trustee {$650.00} a month, for something that we are not at fault for. Not to mention, Citi has never actually told our lawyers exactly what we were behind in payments, so they are guestimate payments at best, and they have added the missed payments onto our loan, where it appears we have taken out a XXXX mortgage! Which we have not. We have been in bankruptcy for over 2.5 years now, and it is been very difficult to say the least to maintain. We have 2.5 more years. When we were behind just XXXX payments, we should have received a FHA Loan Modification, However, due to the negligence and oversight of Citi Mortgage, we have had to deal with much greater financial and physical hardship. We understand Citi Mortgage has engaged in FHA fraud in the past, and would like help in determining if this is what has occurred with our loan. We also hope this helps many others whom are getting the run around and/or possible fraud from Citi to be helped with this as well. It has created many problems for our family.
Product: Money transfer, virtual currency, or money service

Hello PayPal Support, My account was permanently restricted for no reason 5 months ago. I contacted PayPal support many times to no avail and then I filed a complaint with the XXXX. Then Paypal support answered me that they had lifted the permanent restriction and asked for documents. I attached the documents and then my account was actually restored and they told me that it was a mistake on their part and now my account has been permanently restricted again. Please help. I did not do anything completely wrong. Please look into my problem with mercy because my work has been suspended due to This restriction
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding several fraudulent accounts that have been reported on my credit report. These accounts are not mine, and I believe my personal information has been compromised. 

Below are the details of the accounts in question : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never opened any of these accounts, and I believe they are the result of identity theft or fraud. I have already contacted the respective creditors and credit reporting agencies to report the fraud, but I am seeking your assistance in resolving this issue and ensuring that these fraudulent accounts are removed from my credit report. 

Actions I have already taken : I have filed a fraud report with all major credit bureaus ( Equifax, XXXX, and XXXX ). 
I have placed a fraud alert on my credit file. 
I have requested copies of my credit report to identify any additional fraudulent accounts. 
I have contacted the relevant creditors to dispute these accounts. 
I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two disputes with Equifax about a collection that is on my report from XXXX XXXX in XXXX AK on an account for XXXX XXXX XXXX who works out of the regional hospital. The debt is my daughters and not mine but cornerstone tied me to it anyway. The debt of {$120.00} belongs to my daughter XXXX XXXX. This was also on XXXX but after disputing it and their investigation, XXXX  removed it. XXXX  XXXX told us the bill was paid. XXXX was also covered by XXXX  XXXX XXXX XXXX, but they were never billed in this matter. We have not been able to contact XXXX XXXX as his phone just rings or goes to a fax machine. When we have contacted XXXX we are just told " you owe it you have to pay it ''. Equifax on both disputes came back with " verified by debtor '' who is XXXX. XXXX has a reputation in the community for collecting on debts already paid and Equifax should not just take their word on a debt before posting it to someone's report. This needs to be removed from my report.
Product: Mortgage

I was trying to resolve a dispute with Navy Federal Credit Union regarding a mortgage modification I never received the benefit of. They hired some lawfirm that claimed they did n't have to go to court to foreclose. They filed a bunch of papers with a trustee who was gon na auction off my house with no court proceeding. How is this possible? 
So I got my own attorney and had to do a Chapter XXXX bankruptcy. I mailed a check into Navy Federal for my mortgage payment and it came back to me in the mail. My lawyer told me I have to make payments to them directly even while I make my plan payments. I have called XXXX TIMES since trying to find out and all they 'll say is " ma'am you 're bankrupt now, we ca n't help you. " I know I 'm bankrupt but it 's only cause they were going to throw me out of my home without giving me a day in court. Bankruptcy was the only way for me to access the court system. I think it should be unlawful for them not to take my bankruptcy payments. XXXX rep said they 'd " just be back after the house once my case was over. '' HUH??? I 'm trying to pay my mortgage off!!!
Product: Bank account or service

My account was overdrawn on XX/XX/XXXX and an overdraft fee of {$35.00} was levied. There is no complaint on this fee. However, once I discovered that the account was negative I went in branch to fix the issue and make the account current. In branch I was told that they could not accept my check as a checking account deposit. They said that it had to be deposited into my savings and transferred into my checking. After the deposit I was informed that the funds available on the deposit of {$2000.00} was {$400.00}. I was told the account was positive and that the remaining funds were available to me. On Tuesday morning over {$140.00} in o/d fees were levied against the account. Wells Fargo 24hr Banking informed me that they would only waive XXXX fees ( {$70.00} ) and that I would be forced to pay the remaining XXXX. I do not have a continuous o/d history with Wells or a habitual o/d problem. These fees are a result of branch misinformation and the fact that my deposit was put into my savings account per the branch teller and manager 's decision. I was on the phone with 24hr banking for over an hour with reps and manager XXXX XXXX in the call center based in XXXX. I was refused waiver of the additional fees. 

These fees are based on misinformation and errors from Wells Fargo, despite this Wells is unwilling to reverse the transactions. I was willing to pay the fee for my actual o/d incident on XX/XX/XXXX ( {$35.00} ) but these additional fees are not my responsibility and compared to other retail banks are VERY high at {$35.00} each. 

I informed Wells Fargo that I am a recent graduate and relocated and that my funds are needed. They still will not reverse the fees based on their error. 

This is very upsetting. I just want my {$70.00} back. Please help me.