23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mother died and I lived in the house but I was not on the loan. I made a payment to the bank ( truist ) at the same time that I opened an estate account they accepted it and it seemed like everything was going to go smoothly when I called the next go around to make a payment.. they would not accept a payment and couldnt speak to me about the loan or why they wouldnt accept a payment. I asked what I needed to do to get it all in order. A packet was sent to me with all the paperwork they wanted ( even though it was the same paperwork I needed to turn in to open an estate account ) I filled it out and had one of there employees fill out the part of the packet that either had to be witnessed by a notary or done by bank employee. I sent it in when they received it they sent me a letter that said they needed 7 to 10 days to review it later on I received a letter that said several of the things I turned in either werent clear or done wrong. So I gathered it all up again and re sent some and redid some. And again I received a letter that said it was received and they needed 7 to 10 days to review it. Shortly after that I received a letter that said that something wasnt clear and or incomplete or wrong. ( The paperwork they claimed was incomplete or not clear most often was the paperwork that there employees filled out ) .. this pattern continued for a long time ..over a year. After the escrow account was emptied and the insurance was cancelled by truist and then another insurance was obtained by them and late fees added on monthly. All of this while my paperwork that they already had because of the estate account but needed again.and again. Emptied the escrow account and added monthly fees all While refusing any type of payment. Then the house was put into foreclosure and set up for auction, and a week after I find out it is in forclosure they called and told me that my paperwork had been accepted and that the house was in forclosure so they could really deal with me unless I wanted to pay for it all in full, and either way I needed to call and speak with the law firm handling the forclosure.. I did it was suspended temporarily. Now they want to offer me a loan to tack on to the original mortgage to catch up.. ( really aggravating part is that I feel that letters they were sending me telling me that my paperwork was wrong was automated because I received another one after all of this saying that I needed to redo this or that ) They took a payment from me then denied any payment after that while they emptied the escrow canceled the insurance and added monthly late fees until they put it into forclosure then tell me all or nothing I was expecting a simoultaious modification to assumption where I would be able to make monthly payments not yearly.. the options Ive been offered are to pay it all now or to add XXXX XXXX to the end of the loan I feel like they put me off with paperwork even though they already had it, to add up a hefty bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

What step were taken in the reinvestigation process. Please provide because On previous complaint # XXXX Transunion continue to avoid their obligation to conduct a thorough investigation on the inaccuracy of my consumer report. This complaint was closed on XX/XX/2022 with the explanation of needed additional information however I did receive this letter dated XX/XX/2022. But I also received XXXX additional correspondence dated XX/XX/2022 reinserted XXXX XXXX to my consumer report and another letter reinserted XXXX XXXX XXXX XXXX to my file. They are circumventing the CFPB portal to cause harm to me and my family well being. The closing Feedback from Transunion is completed FALSE!!!! For indirect disputes filed with CRCs, the FCRA requires that, upon receiving notice of the dispute from the CRC, the furnisher must conduct an investigation with respect to the disputed information and review all relevant information provided by the CRC. 20F 21 The standard for investigation of indirect disputes is, like direct disputes, that the furnishers investigation must be reasonable. 21F 22 Examiners found one or more furnishers violated these provisions when the furnishers responded to CRC notices of disputes without verifying the accuracy of the disputed information but instead with instructions to the CRC that the consumer should contact the furnisher directly and that the disputed information should not be deleted. In response to these findings, one or more furnishers are developing dispute handling policies and procedures to ensure the investigation of disputes is in accordance with the requirements of the FCRA
Product: Checking or savings account

I bank with First Citizens Bank. On XX/XX/XXXX my wallet was stolen. I called the police and reported the theft and I have an incident number from the police. 
I reported the card as stolen to the bank online within 2 hours of the theft. Before the debit card was frozen the thief charged 2 transactions at XXXX store. {$860.00} and {$400.00}. 

I called the bank on XX/XX/XXXX and submitted a fraud claim and told the representative that the card was stolen. I was told it would take 7 to 10 business days to resolve. 

On XX/XX/XXXX I followed up with an email and attached a copy of the incident card given to me by the police. I complained about it taking 7 to 10 days. They responded to the email on XX/XX/XXXX indicating it was still being investigated. 

On XX/XX/XXXX I called to check status and was told my claim was denied. They told me to contact XXXX myself and get the money back. I again told them it was stolen and I wanted to appeal the claim denial. I was put on hold and then cut off. I emailed again that same day asking for help. They responded with thank you for your inquiry. 

I called again today and they said that my claim is closed and they will not re-open it. The customer service is really bad. It is kind of like talking to a robot. Service is not the right word for what they provide. 

I am still working with my branch XXXX, but she is having trouble getting them to respond to her. 

My rent is due today and I am {$800.00} short because of this. I have to borrow money to pay rent.
Product: Debt collection

Upon reviewing my credit report, I found fraudulent accounts that are damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX XXXX, MO, XXXX ; XXXX XXXX XXXX, XXXX XXXX, MO, 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  Unpaid Balance {$0.00} ; 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 card or prepaid card

On XX/XX/XXXX, XXXX, XXXX I transferred miles to another XXXX XXXX account. I was charged {$300.00} x 3 for each transfer when I was told {$30.00} charge for each transfer. Ive spoken with over 20 representatives with both American Express and XXXX. I have been hung up on on several occasions by both regular customer service representatives and supervisors. One charge of {$300.00} was credited however I am still waiting for the other refund of {$600.00}. I have opened a dispute with American Express and forwarded supporting documents. The dispute case has been closed and on XX/XX/XXXX I spoken with several representatives who also hung up on me. Dispute # XXXX opened on XX/XX/XXXX, XX/XX/XXXX spoke with supervisor, XXXX from Disputes Representative re-opened the investigation on XX/XX/XXXX.
Product: Debt collection

Monarch Recovery Management contacted my grandmother about a debt that belonged to me. My name is not linked to her phone number or address in any way. They have called her everyday for the past 3 weeks about this. This is extremely inappropriate and unnecessary.
Product: Debt collection

XX/XX/2018 I decided to get on the XXXX county clerk of courts website to check on a landlord i wanted to rent from after I checked there file i decided to check my information and I found XXXX XXXX, XXXX suing me in the amount of {$1100.00}. 
Case Number XXXX .I fell this company violated my rights they never once contacted me one time about this so called Bill i owe. I don't know who XXXX  XXXX, XXXX is. And to make matters worse i acknowledged they sent the summons to my old address on purpose to get a default judgement against me. I can't get any information about this case a court date who and what this case is about. I did send them a quick letter that I didn't really have enough time to make sure the letter was written correctly.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of accounts on my credit report that were fraudulently created following a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these entries be removed promptly to prevent further harm. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. In XX/XX/2017, Mariner Finance made a loan of greater than {$5000.00} in my name to a person who impersonated me. After I was notified that I had a delinquent account with Mariner Finance, I filed an affidavit with them explaining the situation ( with a police report ) and have been told for months that they are investigating the situation. However, they continue to tell the credit reporting companies that the loan is delinquent which is hurting my credit score. Every time I e-mail and call, they say it will be fixed shortly but it has not. It has been more than 6 months at this time.
Product: Money transfer, virtual currency, or money service

My mobile banking domestic transfer Of {$38000.00} from my huntington checking to my pnc checking account is in limbo for nearly 2 weeks. Huntington tells me the amount was too large and is protecting me from possible fraudulent activity. Also because of this large amount transfer attempt, for these last 2 weeks I have been locked out of my mobile account. SO NOW!!, I have to drive 4 and half XXXX hours to the closest branch from where I live. That's XXXX near a 9 hour drive there and back
Product: Checking or savings account

On XX/XX/2024 I was called regarding a payday loan from XXXX yrs ago that I supposedly had and was threatened that if I didn't pay they would take me to court and I would have to end up paying XXXX. So unless I paid XXXX up front, I should be fine. I paid and my bank institution sent me XXXX XXXX saying it was fraud and if I wanted to cancel the transaction I had XXXX hours to do so. After I paid, I went and did some research and found out that this company was indeed a scam and withing the hour i called my bank and cancelled. They promise me that it would not go thru and even issued me a new card. Well the payment still went thru and I've been disputing this for almost 2 months now and they are still refusing to take fault in this matter and are denying me my funds. I keep yelling them I stop payment and they can clearly see I did but still refuse to admit it was their fault
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX : {$85000.00} XXXX XXXX XXXX : {$120000.00}
Product: Debt collection

I am writing to file a formal complaint against Portfolio Recovery Associates. I have notified this company with a cease and desist request however they still call me several times a day. I have also requested full debt validation and have not received acceptable proof that says I entered an agreement that requires me to pay PRA. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. Please dont send back a print out. Provide me with a contractual agreement. 
The following accounts are in question : Account # XXXX Account # : XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX I sent a {$100.00}. MoneyGram to my name due to an emergency, I got the email saying it's ready to be picked up I went with my ID and all my info but they said it was refunded to the sender because of the reference number but the only problem I can see is I accidentally put pick up in XXXX  which is where I live instead of XXXX where I am visiting. But either way it is still not back on my credit card and I really need it to get home and nobody can tell me anything
Product: Student loan

On XX/XX/2024 I paid {$2900.00} ( what was owed on my loan at the time ) and received an email confirming payment was submitted from Mohela. 2 days later, the payment was detucted from my bank account. On XX/XX/XXXX, I received a notification that my servicer would be changing over, with no updates on the payment I paid. For about XXXX weeks I could not access my account with either servicer so had to wait to see if the payment was posted. Once the account information was moved over, I noticed the payment was not posted. I called Mohela and they stated that it can take up to 90 days for the payment to be processed. I have called every week to confirm the payment will be posted with the same blanket statement of the 90 days. We are coming up to the 90 day mark and still nothing reflects my payment. I have email Mohela twice, with the same statement to call them. But the last XXXX times I tried to call I was disconnected with no return call. I have also provided them proof of the withdrawal of my account and email verification with no support.
Product: Money transfer, virtual currency, or money service

I sold goods on XXXX and put my money in PayPal, but PayPal stole my money without my permission. I have the formal invoice of purchase PayPal - negative {$10000.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$10000.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$10000.00} Transaction ID XXXX Seller info Note {$10000.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been for the past 3 years trying to restore my identity and remove the fraudulent accounts opened online without my knowledge/ consent. XXXX of which consist of Chase Cards JMPCB credit card accounts reporting as XXXX opened on XX/XX/XXXX charged off {$7000.00} and XXXX opened on XX/XX/XXXX charged off {$6800.00} both accounts are being reported with the name XXXX XXXX XXXX the person whom committed the identity theft and in all police reports as well as federal complaints and reports ). The part that confuses me is in XXXX, the only credit card I owned was a secured credit card in which still shows in good standings. Not only that but I have provided to Chase Bank as well as XXXX and XXXX all supporting documents required to substantiate the basis of the dispute which include ; copy of a police report from XXXX XXXX, Federal Trade Commision report and XXXX XXXX XXXX All supporting documentation contains account statements as well as the identifying information related to the specific person involved resulting in me being a victim of identity theft ( 16 CFR 603.2 ). 

I received a letter in the mail on XX/XX/XXXX from Chase bank that states their reporting is accurate because " payments were made to that account. '' Chase failed to include any supporting documents, yet is being permitted by both XXXX and XXXX report these fraudulent accounts on my report. According to the Section 609 ( e ) of FCRA, I am entitled to ask for a copy of the original signed application contract as well as any other transactions on record Chase Card Services used to determine the accuracy of information reported. 

Furthermore, as a person that is a victim of Identity Theft by both a known suspect and XXXX Data Breach, with supporting documents, it is discomforting to know how I am currently homeless as a result of the damages done by others. 

In closing, the letter I received from Chase Card Services regarding their " investigation reporting accuracy '' the XXXX XXXX XXXX and phone number is also inaccurate. Luckily I double checked just to verify sending my personal information to the wrong address.
Product: Debt collection

A company XXXX XXXX XXXX has already attempted to sue me one year ago. I have recently received another threatening letter of a law suit and wage garnishment. The credit card debt is SOL of 8-10 years ago. They had previously sued me apprently filed XX/XX/11 for the same case and it was dismissed. I feel I am being harrassed by receiving these letters and they are trying to take me to court again, over very old debt
Product: Student loan

On XX/XX/2023, I tried to make a payment for my federal student loan. When I logged into my account, something was wrong and I was unable to make a payment. The account said I didn't owe anything but there was a conflicting message saying " payments for borrowers whose Nelnet accounts start with " XXXX '' will be due in XXXX. '' My Nelnet account starts with " XXXX '' meaning that I needed to start making payments. But I could not make a payment because there was nothing to be paid. I called Nelnet to figure this out on XX/XX/XXXX around XXXX. The wait time was supposed to be XXXX minutes. I remained on hold for XXXX hours before I had to hang up because I had work. I ended up sending them a message through their website because that was the only other way to contact them. 20 days go by and they have not replied to my message. On XX/XX/2023 at XXXX, I called them again and remained on hold for another XXXX hours despite the wait time being a few minutes this time. Finally someone picked up the phone and I was very happy. But then the individual proceeded to pretend they could not hear me. They kept saying " Hello? Hello? '' before hanging up the phone. Nothing was wrong with my phone and I confirmed this by calling a relative immediately after and they were able to hear me perfectly clear. I have been unable to get in contact with Nelnet despite my many efforts and I am at a complete loss right now. I don't know what to do and my loan payments are supposed to start this month.
Product: Credit card or prepaid card

I was charged unreasonable service fees by Capital One Credit Card Company. I made a cash advance transaction from ATM Machine in XXXX on XXXX XXXX 2017. Capital One charged me extra service fees for the same transaction in violation of the Fair Trade Act.. I was charged 3 additional amounts of {$10.00} for the same transaction.
Product: Credit reporting or other personal consumer reports

I am writing this complaint because there are persistent issues with my TRANSUNION consumer report that are out of compliance with the Fair Credit report Act. The accounts TRANSUNION currently has in its system are multiple inaccurate accounts. I want to ensure that the company effectively responds to my dispute.
Product: Vehicle loan or lease

My daughter purchased a XXXX XXXX earlier this month. I co-signed on the loan with VW Credit. Today, XX/XX/XXXX, i received the first payment invoice, which VW credit gave a due date of XX/XX/XXXX. They also advised, on the invoice, that i should allow for 5-7 days for mailing to ensure payment is delivered by the due date. 

I called VW Credit, spending over 30 minutes on hold, to request a reasonable amount of time. They told me i would have 10 days after the due date ( so, XX/XX/XXXX ) to submit a payment. Given the intervening weekend, and giving allowance to the 5-7 days i was advised, this payment would have to be mailed by this Friday, XX/XX/XXXX. 

VW Credit ( XXXX XXXX XXXXl ) stated that if we made payment within 10 days, we wouldnt be charged a late fee. I requested that they provide that assurance in writing instead of just verbally, they refused, and then stated that they couldnt. They said i should have known that the payment was due on XX/XX/XXXX, as it was in the contract. While this may be true, they did not provide the means for which to make a payment until i received this payment invoice today. 

XXXX continued to tell me everything was in the contract, but abjectly refused to listen or cooperate. I was never disputing what was in the contract, but the unfair and deceptive execution by VW Credit of its obligations under the contract to provide us the means to make timely payments in accordance with the contract without incurring fees ( late fees ) or damages ( credit reporting ). When asked for written assurance, they refused any written assurance.
Product: Vehicle loan or lease

Purchased a car thru Auto Now financial in XXXX of XXXX. My first payment was not due until XX/XX/XXXX. Before that date arrived I started receiving delinquent payment notices. Every month for a year I received these notices, sometimes twice a month. Every month I requested a date or payment information that I was delinquent from. It is now XX/XX/XXXX, and I still have not received any information about what payment I missed. I tried everything humanly possible to get this fixed to no avail. Now they are destroying my credit. And I'm forced to file a harrassment suit against them. One more thing, every notice I received had a different total that I was delinquent. I can provide numerous correspondence with Auto Now financial, with receipts to prove I paid when I was supposed to pay, what I was supposed to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Immediately Delete all accounts listed in the attached FTC Report.
Product: Bank account or service

I have a Chase account which I watch very careful and I cash all of my checks through this bank rather then any of my other bank accounts. I spoke with Chase bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX amongst other times. At these times I told them that I had a check with my landlord XXXX XXXX. Several times I was told that it would be documented on my account so that I would have time to put in $ XXXX cents or around that amounts. I woke up on the XX/XX/XXXX at XXXX and there is was a message on my app that I was charged a {$35.00} fee. I am a little concerned this transaction was done XXXX which I should have had the weekend to replace that money. When I called on Saturday and ask to speak to a supervisor I was told that nothing could be done. I would really like this situation addressed and I thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX ct XXXX Fl, XXXX XX/XX/year> To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed any debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the part who is contractually bound to pay off this debt or stop collection activity and remove it all together.