23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Account Balance : {$32000.00} ; XXXX XXXX XXXX Account Balance : {$32000.00}
Product: Checking or savings account

On XXXX XXXX XXXXXX/XX/year>, around XXXX I attempted to make a XXXX XXXX transfer through the XXXX within M & T banking platform. The transfer was blocked and asked for me to call the customer service number. I thought it made sense since they probably just needed to confirm it was not fraudulent activity. When I called and provided all the information, the customer service representative started to ask questions regarding deposits made on my account. Which I answered, and they then started to question why I had checks made out to cash. Which has nothing to do with the call made in the first place. The last time I checked that was never an issue, and I explained it was how the person paid my husband. The customer service representative got aggressive saying why would someone make it out to cash, I mean I dont know, but they did and they can, then said we cant approve the transfer which I said it was fine, Ill make a check. We hung up the call, and when I tried to sign back in to my account, my account was blocked completely. Never was I told they were going to block my account after the call. I called again and they said they couldnt help me and I had to go to a local branch the following day. Ive never felt so violated because this is the only account I have, and Im left with no cash or means to access my account despite providing them all the necessary information. The app says to call the customer service number for assistance which I did several times and every time I tried to understand why they blocked my account they hung up the phone on me. As an owner to my funds and as a customer, Ive never felt so violated. I have XXXX children, I dont carry cash at home, what if I need my Funds? They blocked my account without giving me any information. I have a full time job, XXXX children to take care, and not sure when Im able to go to the branch. They should be able to provide details why they did this and not just hang out the phone on me.
Product: Mortgage

I have a mortgage with Village Capital Investment. I was having trouble making the payments due to a combination from the financial effects of the covid pandemic  as well as a XXXX XXXXXXXX which severely relapsed around spring XXXX, and started a new, intensive treatment which lasted most of summer into fall. I filled out an application for financial assistance with Village Capital, but their response was confusing because they were asking for information I had included when I submitted the application. 

Due to the time I had to spend at the hospital and side effects from the treatment that made me feel miserable, I didn't realize Village Capital had filed for foreclosure until I learned my house had been added to the list for an upcoming Sheriff 's sale on XX/XX/XXXX. After searching for options online, I found XXXX XXXX XXXX Ohio, and immediately submitted an application ( the date for this was XX/XX/XXXX ), and I was ultimately approved. 

A few days later, I received two separate letters from Village Capital dated XX/XX/XXXX, but they seemed to both just be the application for assistance I had submitted to them earlier in the summer. They never contacted me by mail or by phone about my application to XXXX XXXX XXXXXXXX Ohio, and my house stayed listed on the Sheriff 's Sale calendar for XX/XX/XXXX. 

I made several attempts to contact Village Capital, but the hold time was so long ( around 30 minutes ) I was never able to wait on hold long enough to see if a live person would answer. It would always give the option while I was on hold to " save your place in line and have us call you back '', which I would end up choosing but never get a call back from them. 

My house ended up being sold at the auction by a local real estate agent. I tried contacting my local legal aid, but they said they couldn't help me. 

At this point, I was at a loss for what to do, so I tried filing a motion on my own in court requesting a stay on the court confirming the sale stating that I had been approved by XXXX XXXX XXXX Ohio and wanted to be able to work with Village Capital to keep my house. The judge denied my request for a stay, and then shortly after ( earlier this month ) confirmed the sale. 

I've tried reading whatever I could find online to see what Village Capital 's responsibilities were, and it seems like they should have contacted me after I submitted the application to XXXX XXXX XXXX Ohio, and should have rescheduled the sheriff sale for later date to allow the process with XXXX XXXX XXXX Ohio to be completed. I don't know if the long wait times and lack of call back were due to being short staffed, or because a lot of people were off for holidays, or if their lack of response was because I rely on on Social Security XXXX, and they see that as a liability. 

I don't know what to do at this point. I can't afford an attorney, and legal aid already said they couldn't help, and I'm running out of time before I'll end up being forced to move and lose my house for good.
Product: Debt collection

I have no idea who this creditor is or why this is on my report.
Product: Student loan

My loan has gone to MOHELA, the company is trying to say I don't qualify for a burrowers debt relief. When the trade school I went to closed due to fraud. I have a newspaper article naming the school I attended and information proving the school was under investigation and that several schools, owned by the same company went bankrupt and was sued. MOHELA is claiming that there records show that I went to XXXX, which is an XXXX program that started in 1986. The records for my school are incorrect and now MOHELA is no longer offering assistance in fixing this issue. The name of the Trade school I went to was called XXXX XXXX XXXX. It Closed in Dec.of 1986, MOHELA Is aware of this incorrect information and was giving me the original school name until I refused to accept a loan forgiveness that requires me to pay {$900.00}. 
Untill this school confusion is resolved I will not be able to apply for the proper forgiveness. And shouldn't my loan company be trying to help me? Not, themselves?!
Product: Credit card

HAD A BANKRUPANCY BACK IN XX/XX/XXXX, WHICH SHOULD OF BEEN OFF MY CREDIT REPORT-XX/XX/XXXX. APPLIED WITH CHASE BANK -- -AND THEY RESPONDED THAT MY CREDIT REPORT IS SHOWING BANKRUPANCY ON IT, BUT WHEN I LOOK AT MY FREE CREDIT REPORT -- -IT SAYS THEIR IS NO JUDGEMENT AGAINST ME OR XXXX REPORTS?
Product: Mortgage

I applied for a refinance XXXX loan to equity ratio. {$490.00} was paid for an appraisal which was completed in a week. Now 10 days short of 3 months the rate lock has had to be extended for a third time. Representatives piecemeal their requests for documents weeks apart. I ask them why have n't they asked for them earlier in the process and they give amateur excuses, ie. they had to let go ( fire ) the processor of my loan, influx of applications due to XXXX etc. The frustration comes from our timely action to doc requests, but then a response from them a week later for another document. I 've already had to pay another month on my original 1st and 2nd mort. and when I ask if I should pay another month the rep. says late fees will apply but wo n't affect my credit report. I ask them if they will cover late fees and rep. declines. The real problem is the anxiety from being duped by a shady operation and prevented from shopping around because of the upfront cost of the appraisal, not to mention the thousands of dollars of a higher rate.
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. 
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  has violated my rights. 

15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 section 604A section2 : it also states a consumer reporting agency can not fernish a account without my written letter of instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer 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 antendates the report by more than seven years.

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

I have been a customer of Citibank on a couple occasions. Most recently, I applied for and received a credit card to take advantage of an introductory offer for balance transfer. From XXXX of XXXX of XXXX I had spent and paid {$26000.00} dollars on my active account. 

Every payment that I made on my account was over-paid ; at least XXXX dollars per month, even though my minimum monthly payment was always below XXXX. Some instances included massive XXXX and XXXX dollar payments. On my primary card with XXXX, when I overpay - the following month won't show a balance, not sure if this is the case with Citi because I had automatic payments set. 

In XXXX XXXX XXXX I made an adjustment on how my banking accounts were dispersed due to XXXX that resulted in a returned payment in XXXX and again in XXXX XXXX XXXX. Both payments that were reversed were immediately paid by me using a different account as soon as I was notified by Citi of a problem. Again, I made every single monthly payment always in excess of the minimum amount due. Both XXXX and XXXX 's payments were immediately resolved and pad in the same month and in excess as all others. Finally, in XXXX the same situation occurred as I changed my accounts back to the normal configuration ; immediately upon notification I rectified the situation in the same period and have continued to pay in excess of my minimum due every month. Even though I communicated this to the customer support as soon as I was made aware, this did not affect the decision to terminate my account. It seems excessive to shut down a positive account from a low risk client who spends a significant amount of money with Citi and always overpays, never skipping a payment during a global pandemic. Had I made manual payment, this would have never occurred, however, due to the use of automatic payments and the slow notifications to the consumer, I have now been cancelled. Had this been my XXXX card, I wouldn't have even had a minimum payment die because the payments were so high and frequent, sometimes more than once or twice a month. This seems like bad business to me, especially during these times. I am embarrassed and insulted to be rejected as a result of my loyalty and consistent positive account stewardship.
Product: Debt collection

A credit collection company ( Contract Callers ) has put fraudulent information on my credit report. I have contacted them three times with no resolution.
Product: Vehicle loan or lease

Recently Yamaha Financial XXXX  bought customers boat loans serviced by XXXX XXXX. The transition couldn't be handled worse. First, letters with wrong account numbers were sent. Online login was not working. The customer helpline had a wait time of between 1-2 hours eventually the number was disconnected. New statements were sent stating double monthly payments ( the last payment made to XXXX XXXX  is not included ), increased interest and a threat of late fees. Until this post the online account is still not working, online payment can not be made even though 2 hours were wasted on the phone to correct it with a service representative. The only payment options available to pay the wrong and excessive charges are by mail or the phone with the long wait time. 

Monthly payment increased from {$450.00} to {$510.00}. XXXX payment of {$450.00} made to XXXX XXXX  before a notice was received is disregarded. The statement indicates a 2.99 % interest however the interest charged is 5.99 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED XXXX AND EXPERIAN AS WELL AS XXXX TO DISPUTE THE FRAUDULENT ACCOUNT LISTING ON MY CONSUMER CREDIT REPORTS AND SENT THE SAID ABOVE COMPANIES THE FTC REPORT IDENTIFYING XXXX XXXX XXXX XXXX ACCOUNT TO LET THEM KNOW I DID NOT AUTHORIZE THIS ACCOUNT TO OPENED SO FAR I HAVE NOT HAD ANY POSITIVE RESULTS. 
IT'S BEEN OVER 30 DAYS.
Product: Credit card

I have been trying to get this resolved for XXXX years. I filed a previous complaint that you closed although this was not resolved. This company refused to close my father 's credit card in order to continue charging him {$150.00} a year for it, well after he died. They owed him a refund of XXXX. I received a check in XXXX for XXXX, because they took their fees our from a XXXX man that did not use the card for years. The bank refuses to accept this check because they made it out to " estate of '' instead of just him name. The cost of me going to court to open an estate to cash the check the check exceeds the value of the check. I called and was transferred from person to person who continue to tell me that I can't do anything about this. These XXXX owe my father {$3000.00}.
Product: Checking or savings account

We were contacted via telephone by Citibank on XX/XX/XXXX regarding suspicious debits to our small business savings account. These amounts of {$2000.00} and {$4000.00} were charged to our account on XX/XX/XXXX and XX/XX/XXXX, respectively. Both transactions were transfers to accounts at XXXX XXXX Bank. We told Citibank that these transactions were not authorized. They told us to contact their Fraud Services Dept. toll-free phone number. 
We immediately called the Citibank Fraud Services Dept. and explained the situation. They " blocked '' our savings account so that no new transactions could be posted and initiated a case. 
Over the course of the next several months, we received and sent correspondence, made numerous phone calls and sent emails, coordinated with our local Citibank branch manager, contacted XXXX XXXX XXXX, etc. Citibank dragged their feet every step of the way, closing and re-opening our case, and producing no resolution. 
The most recent letter we received from Citibank dated XX/XX/XXXX stated that " Due to the limited time that banks are allowed to return these types of transactions, we are unable to return these items. ... Unfortunately, we are unable to assist you any further regarding these transactions. '' We have not yet been reimbursed for these funds that were erroneously charged to our account. We are awaiting a credit back to our savings account in the amount of {$6000.00}. 
Thank you.
Product: Debt collection

convergent is still reporting on my credit report after I have send them certified letter along with several complaints and they have refused to delete this account from my credit report. they have refused to comply and listing an unverified item on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and correct. I informed convergent that as per FTC opinion letter from XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. Therefore they have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... ... promptly DELETE all information which can not be verified. '' ( Section 617 )
Product: Credit reporting, credit repair services, or other personal consumer reports

they not letting dispute inaccurate inforamation XX/XX/2023
Product: Debt collection

After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just simply have been a XXXX XXXX moving around traveling and living at different apartments, and i have like 5 different addresses reporting for myself, the three bureaus have different variations in my name, some have my middle name, some just first and last, and the bureaus have a few different places that i worked on my report still that i no longer work at. 

Id like to get rid of all the variation, have one name, one address, and only include the place of work where i currently am employed.
Product: Checking or savings account

This bank is committing fraud and neglecting their fiduciary duty as well as making defamatory statements about me and lying to federal regulators about the actions of their representatives to contact me. 

For a year now I have had to tolerate the repeated lie on XX/XX/2021 the branch XXXX of my local bank attempted to contact me. I already reported this was a lie and nothing has been done about it. I am requesting the banks insurance information to file a claim for this defamatory damaging lie that I refused or missed a contact by this branch XXXX. Please show me some proof any attempt to contact me was made. 

I would remind this bank they have a legal obligation to act in my best interest, please tell me what illegally and fraudulently lying about an attempt to contact me serves to help me. 

I was never apologized to for the harassment I received at this bank and am tired of being lied to, your bank has 30 days to provide their insurance information for spreading defamatory claims I already many months ago informed your bank was not true. If you fail to disclose your insurer 's information I will forward this to the local XXXX XXXX XXXX XXXX XXXX XXXX, the GA XXXX XXXX XXXX and the applicable state regulator agency for Insurance, I will find your insurer inform them you failed to contact them about this issue for which your company is liable likely in violation of contractual obligations with them and will take further action to collect for your tortious defamatory claims you tried to contact me and I failed to respond or refused contact from your branch XXXX who NEVER TRIED TO CALL ME AND SENT NO LETTERS THAT I DID RECEIVE! 

I have phone logs for the number I have on file and have had XXXX Informed Delivery since XX/XX/2021 so any contact attempt would be recorded. 
You will not lie your way out of this one. Your company has victimized me and illegally lied to federal regulators about your actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Noticed a few accounts on my report I do not recognize
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I called Best Buy Credit Card Services to dispute a XX/XX/XXXX purchase. 

I disputed the fact that I did not purchase a {$1900.00} XXXX XXXX, nor did I have it delivered to an XXXX XXXX XXXX XXXXn XXXX. I also disputed that the Best Buy card used to purchase this product under my name is different from the Best Buy Credit Card in my possession. 

In XX/XX/XXXX, I called Citi Bank to file a claim of fraudulence regarding the Best Buy Credit Card purchase. Citi Bank confirmed the investigation was underway. 

I called again sometime in XXXX and was told the investigation is still occurring and could take up to 90 days. 

On XX/XX/XXXX, I received an updated letter informing me the investigation has completed and Best Buy removed the disputed charges. However, my Best Buy account is still sending me emails and calls to pay my bill, as the charges remain listed on my account.
Product: Money transfer, virtual currency, or money service

I sent $ XXXXCAD to XXXX XXXX Using my Pay Pal Account Transaction Details Transaction ID:XXXX XXXX XXXX, 2017 SENDER RECIPIENT XXXX XXXX XXXX XXXX XXXX XXXX YOUR NOTE TO XXXX XXXX For the XXXX XXXX logo this is my grandpas paypal cause I dont have one I sent it in this not XXXX XXXX XXXX because he said so and I added XXXX $ more just for the trouble. 
The money was On the third time sent using friends and family pay pal will not refund even though the item was never received. I have requested XXXX XXXX To send four e-mails to XXXX with no replies. Requesting status and refund Grand son has also requested status via text messages and received no relpy. 

I feel we were scammed. 
is there any way to check and see if the money was ever picked up or XXXX XXXX logo sent.
Product: Mortgage

I finally closed on my 15yr fixed refinance loan with Quicken Loans / Rocket Mortgage on XX/XX/XXXX after a horrific loan process. XXXX 's changed my loan amount twice without notifying me, XXXX XXXX could not analyzing bank statements to determine liquid funds, closing was originally scheduled for XX/XX/XXXX but was moved to the XXXX without notification. I just happened to log into the account when no one came on the XXXX and saw it was moved to the XXXX. I never spoke to my banker after the day the application was taken. But on XX/XX/XXXX I finally close and the loan is supposed to disburse on XX/XX/XXXX and it does not. I get no notification of what the issue is causing the delay in disbursement until XX/XX/XXXX when I call in after I get a notification from my previous lender that my loan is not 30 days late. After the conversation on why my loan did not funds on time and why i was not notified of the delay the excuse given to me was they are behind on work at the moment.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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