23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I disputed a transaction on XX/XX/XXXX for XXXX which is a third party company for security deposits. For the past 3 weeks I have been communicating with both companies and nothing has gotten resolved. I first spoke with Bank of America and they told me they was waiting to hear from XXXX. I then spoke with XXXX and they told me they was unable to refund due to the dispute filed on my behalf. I then spoke back with the bank and they said they are still waiting on a response from XXXX. So I emailed XXXX and they told me they already responded but the bank is saying something differently. I am tired of playing games and just want my money refunded but they are refusing to do anything.
Product: Mortgage

We have a mortgage loan with DiTech that was originally with Green Tree. We were in Bankruptcy chapter XXXX for 5 years but made payments to Green Tree and DiTech on our Home Loan. During the five years we never defaulted or closed this loan but Ditech is reporting that the loan is closed on our credit reports. Our bankruptcy was discharged and completed in XXXX XXXX and Ditech will not take us off bankruptcy and continues to report us wrong on our credit reports. I have contacted Ditech at least 13 times over the last years requesting that they take us out of bankruptcy status and report our loan correctly. I have sent them online emails and over the phone and every time they continue to tell me it is under review and will take XXXX or so days to audit.. This has happened for the entire year of XXXX and I can not get them to take the Bankruptcy off our account and report us fairly. Every time I call I get sent directly to their bankruptcy department. Their reporting us to wrong on our credit reports has caused us trouble in getting new loans for home improvement job to replace our XXXX through the XXXX program because DiTech is reporting we had a default and loan closed when we never had an interruption in our loan. After a year of trying to get them to report my loan correctly I have no other means but to try and file this complaint. I am attaching the three times I tried using there messaging system to contact them.. The other ten times was over the phone throughout the year. I have read many complaints about this company and feel they are trying to hold my loan hostage in reporting correctly to credit reports which is having a negative effect on my score.
Product: Credit card or prepaid card

On XX/XX/2020 capital one reported I was late on payment.When it is on auto bill they tryed to pull the payment but it was rejected they did not notify me that it was rejected. I talked to the manger of company and he insurance me it would be removed because it was there fault. now sense then I can not get a mortgage because this late mark and the company will not help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Mortgage

Hello, My loan was tansferred to Shellpoint Mortage in XXXX of XXXX from XXXX XXXX. The mortage company did not pay my property taxes until XXXX of XXXX and the additional escrow funds in the amount of {$3800.00} seem to have disappeareed between the two lenders. Spellpoint Mortgage sent my home owners insurance payment to XXXX for the entire year. The policy premium was {$4800.00} The payment caused my morgage to inctease by {$300.00} dollars because of the negative escrow balance. In XXXX of XXXX, I called Shellpoint Mortgage to ask what needed to be done to pay my insurance directly to XXXX independently. I was told to write a letter requesting my changes. I wrote the letter and started the direct drafts for my checking account to XXXX. However, when the policy renewed, Shellpoint Mortgage ontined to send payments to XXXX in XXXX of XXXX they sent a check for {$4800.00} which exceeded the amount if my premium. XXXX returned the check and they stated they did not receive the entire amount. On XXXX XXXX, my attorney send a letter to Shellpoint reitterating the things spoken by me. However, Shellpoint sent another check to XXXX on XX/XX/XXXX in the amount of {$3500.00}. Thi casue XXXX to refund payments that we individually dfated from my account to be refunded to me. I had to go through the same procedure of calling both Shellpoint and XXXX to request XXXX refund the check to Shellpoint and reverse the personal paymentsmadae to my premium. 

I am truly frustrated with Shellpoint Mortgage and would hope that something could be done to force them to treat me as a valued customer, omplete and escrow analysis, and remove my homeowners insurance premium and PMI off the escrow account as soon as possible. 

Your attention and promptness to this matter would be grately appreciated. In a time of COVID-19, I am definiitely ocusing on maintaining without additional stress added to inpact me and my family. 

Best regards
Product: Debt collection

I contacted the collections agency below to advise that this is not my debt. I asked for proof of contract etc. I was hung up on. I then wrote a letter which they received XX/XX/XXXX requesting this information. I did not received a follow up letter. I disputed with XXXX several times and it has not be proved to be my debt no removed. I called XXXX  XX/XX/XXXX asking what should be my next steps. I was told to contact Medical Business Bureau again. I explained that I've been unlucky in getting assistance from the claiming firm. I called Medical business bureau back on XX/XX/XXXX and spoke with " XXXX '' who stated " we do not have a contract and all that messy you are asking about. Pay the debt. '' I asked again for proof of this being my account and debt owned to Medical Business Bureau. He then stated " we sent you a letter. '' I said I never received a letter from your company. Can you re-send? He state " I don't think we can send again, we already sent a letter to your address. '' I think said this is fraud and not my account. I will file a complaint against your company for fraud. he said " ok ma'am. '' we ended the call. I have attempted to resolve this with both XXXX  and medical business bureau and I've gotten no where. I will not pay for something that does not below to me. I am filing a claim against both agencies and this is fraud. 


Medical Business Bureau, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX Phone : ( XXXX ) XXXX Medical Business Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health Care {$220.00}
Product: Checking or savings account

I deposited a {$30000.00} check at Citibank drawn from XXXX XXXX into my regular checking account on XX/XX/2024. This was not a personal check or a check from a regular business. It was drawn from an investment account from a well-known investment company. Only {$5000.00} was made available initially. I tried to call the XXXX number to speak to an officer and only was connected to a call center in the XXXX. They refused to help me and informed me that I had to go into a branch. After waiting for a few more days, the total available amount was increased. I have been waiting for the balance of {$18000.00} since the XXXX of XXXX. 

I have never overdrawn my account, which has been opened for years, nor had a deposit returned, and none of the indicia for holding my funds for so long existed. 

On Friday before XXXX XXXX, I went to the Citibank Branch on XXXX XXXX XXXX in XXXX and was told by an XXXX that the funds would be released that day as he was able to expedite the release for one more day. 

It is now XXXX XXXX XXXX, and the funds have still not been released. I am left in the dark, receiving no information. This situation has left me feeling deceived, either by the bank officer or the customer service representative. I am deeply frustrated by this lack of transparency and the delay in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX someone without my authorization attempted to open an account thru Synchrony Bank. In XXXX of XXXX I was made aware of this due to my credit monitoring service. I contacted XXXX they recommended me to ask for inquiry deletion letter from the Synchrony bank. I was told by the Synchrony bank at that time that I was consumer and they would not provide me such documentation. I asked if they could send it to XXXX, they agreed. I waited the 60 days as instructed. I contacted XXXX and they did not receive it. I then repeated the process several more times. Still XXXX has not received it. I called today XXXX of XX/XX/XXXX to Synchrony bank they stated that they have in fact sent several letters to XXXX. They also stated that this did not negatively impact my credit. I told them that it did in fact negatively impact my credit. I asked if they could send me a letter they said no. They told me to contact XXXX. I called XXXX they told me to contact the Federal Trade Commission considering this was an ongoing problem. I spoke to the Federal Trade Commission today XXXX of XX/XX/XXXX. They stated that I should contact the Consumer Finance Bureau. 
I have been given the runaround from Synchrony Bank. They have made promises and have delivered nothing. This hard inquiry has deleted XXXX points from my credit report. I need your assistance in this matter please
Product: Mortgage

I originally obtained a mortgage thru XXXX XXXX XXXX, XXXX  on XX/XX/XXXX, which was subsequently transferred to XXXX XXXX XXXX XXXX XXXX  and serviced by Rushmore Loan Management Services LLC on XX/XX/XXXX. During the height of the pandemic towards the end of XXXX I requested an extension to the loan maturity and was denied. The loan was refinanced on XX/XX/XXXX by XXXX XXXX XXXX I. Based on a payoff statement by Rushmore Loan Management Services LLC on XXXX XXXX in the amount of {$280000.00} I received a robo call approximately a month later from Rushmore Loan Management Services LLC. When I called back to inquire as to the nature of the call the representative informed me that the payoff was not met and the monies had been sent back to XXXX XXXX XXXX I., because they had ran a new payoff statement and the funds was short {$2000.00}. This was not communicated to me or the title company prior to closing and the difference in charges was referred to a additional fee we discovered after the fact, when I had the conversation with the company 's representative in mid XXXX. I questioned the additional fees and was given no explanation now the bank has filled foreclosure against me adding an additional charges for the sum total in the amount of {$290000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an original Contract from XXXXXXXX XXXX XXXXXXXX in which the young lady via phone could not give me in writing for this account to be closed and removed off my credit report. I disputed account in which they denied so she talked me into paying account in full and the young lady said it would be removed or may not removed with a nasty attitude. Please help me disclose this matter.
Product: Credit reporting or other personal consumer reports

See attached ( Please note : failure to provide the following requested information means that you have not verified the accounts and inquiries as accurate and you must immediately delete the accounts and inquiries for failure to verify. Failure to delete the below mentioned accounts and inquiries harms my reputation and character and your company will be liable to me for defamation in a public jury or private litigation action. )
Product: Credit card

Back on XX/XX/XXXX I received a letter from a debt collector XXXXXXXX XXXX XXXX XXXX XXXX informing me, that they tried to collect the debt of {$4100.00} on behalf other debt collector Cavalry SPV I, LLC. Within few days later, on XX/XX/XXXX, I sent a Debt Validation Letter to XXXXXXXX XXXX XXXX XXXX XXXXXXXX About two months ago, XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX XXXX XXXX to inquire about the requested documents, because I did not receive them. I was told XXXX XXXX XXXX  XXXX has no record of the account. I contacted the Cavalry SPV I, LLC customer service I was told the case is in Debt Validation department since XXXX. I have not received any correspondence from them yet, as of XX/XX/XXXX. I believe, if they can not validate the debt, and send all documents regarding the account, this debt should be cancelled.
Product: Credit reporting or other personal consumer reports

All statements with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Nj XXXX. 

Where my landlord XXXX XXXX XXXX stole and used my XXXX XXXX credit card. Along with my NJ XXXX drivers license XXXX XXXX XXXX I reported this to XXXX police department and FBI XXXX XXXX XXXX, XXXX floor XXXX, Pa XXXX ( XXXX ) XXXX they dont investigate Credit card fraud.
Product: Checking or savings account

Marcus ran a promo in XXXX for {$100.00}. I met the conditions and received an email acknowledging. {$100.00} should have been paid out in XX/XX/XXXX. Called two times and Marcus both times agreed I should be paid. 1st call, agent said case would be open. On 2nd call, agent said no case existed. 2 call agent said that Marcus will manually review and pay whenever. They have no ETA which is unfair given the XXXX XXXX XXXX XXXX Online Savings Account {$100.00} Cash Bonus Offer Terms Offer valid from XXXX XXXX XXXX ( the Offer Period ). 

To qualify for the {$100.00} Cash Bonus ( the Offer ), you must enroll a Marcus Online Savings Account in this offer at https : //www.marcus.comXXXX or by calling Marcus at XXXX ( XXXX ) by XXXXXXXX XXXX  ET on XXXX Upon successful enrollment you will receive a confirmation of your enrollment via email or U.S. mail. 

After enrolling, you must deposit {$10000.00} or more in new funds from an external account into your Marcus Online Savings Account within 10 calendar days of enrollment ( the Funding Period ). The account balance plus a minimum of {$10000.00} in new funds ( the Required Dollar Amount ), must be maintained in your Marcus Online Savings Account for 90 consecutive days from the date of reaching the Required Dollar Amount. The account balance is based on the starting current balance reflected on your account at XXXX XXXX. ET the day you enroll. Once the Funding Period has ended, your Marcus Online Savings Account balance may not drop below the Required Dollar Amount at any point until after the 90 consecutive days have passed. You may make multiple deposits within the Funding Period to reach the Required Dollar Amount. Internal transfers do not count for the purposes of this Offer. 

If you choose to enroll a different Marcus Online Savings Account, you must deposit {$10000.00} or more in new funds from an external account into the newly enrolled account within 10 calendar days of enrollment, even if you have reached the Required Dollar Amount in a previously enrolled account. 

The {$100.00} bonus will be deposited into your Marcus Online Savings Account within 14 calendar days after fulfilling the above requirements. To receive your bonus, your account must be open and in good standing at the time the bonus is deposited in your account. The bonus will be treated as interest for tax reporting purposes. 

Offer available to new and existing customers. Each customer is limited to one cash bonus offer. This Offer can only be applied once to an account. If an account has multiple owners, the account is limited to being enrolled for this Offer under one account owner and receiving one cash bonus. Remaining account owners may be eligible to use another eligible account to enroll in this offer. This Offer may be combined with other promotional offers available to Marcus Online Savings Account customers.
Product: Student loan

AidVantage took over my Public Service Loan forgiveness account that had been fully discharged with an effective date of XXXX. My loans were forgiven because they met the criteria for the PSLF Waiver. My account was still awaiting a long-requested refund from the now defunct XXXX XXXX for a XX/XX/XXXX payment of {$280.00} due to the Covid-19 Suspension rules for PSLF. These rules state that PSLF accounts are allowed to be refunded payments made during suspension and that these months of non-payment during suspension will still qualify for forgiveness. AidVantage issued the refund of {$280.00} and then placed this amount into loan re-payment status where they are now wanting to collect the {$280.00} with added interest. 

I tried to discuss this issue with AidVantage and was told they do not handle PSLF, that it is up to XXXX. However, XXXX has no record because AidVantage took my account from XXXX after it had been discharged. AidVantage is not acting in good faith. They knowingly took a discharged PSLF account and issued an outstanding refund only to try and collect money. Since AidVantage took my account from XXXX I had requested that they provide all customer service correspondence from XXXX which would prove I asked XXXX multiple times to refund my XX/XX/XXXX payment before my loans were forgiven in XXXX. AidVantage only provide me with accounting spreadsheets showing payments and balances. I am not able to contact XXXX because they no longer exist. I have filed a complaint with Federal Student Aid as well. 

AidVantage is acting nefarious in pushing to collect this erroneous debt of {$280.00} from me. I do not owe this money and was rightfully refunded it. I followed the rules and requirements provided to me by the Department of Education and my student loan servicer. XXXX and XXXXidVantages inability to properly review, transfer, and process student loan accounts including discharges and refunds, is not the fault of this consumer. I request that the CFPB contact all involved companies so that they may remove this erroneously re-reinstated debt of {$280.00} and change my loans back to fully discharged due to the PSLF Waiver.
Product: Credit reporting or other personal consumer reports

I lost my wallet while attending a football game in XXXX that included my driver 's license and social security card. I was unable to recover it. I recently pulled a copy of my credit report and noticed addresses and accounts that I have no affiliation with. I contacted the credit reporting agencies and notified them that someone has accessed my information and applied for lines of credit in my name and a fraud alert was placed on my account. I not only contacted each bureau by phone but requested verification and that all fraudulent addresses be removed from my account by mail in XXXX XXXX AND XXXX XXXX. I requested the accounts be verified and have yet to receive a formal response. Furnishing accounts to my credit profile in result from identity fraud violates FCRA 15 USC 1681c-2 and my consumer rights. 

I also noticed credit inquiries listed on my reports that I did not authorize or apply for from the following creditors : 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. Furnishing these inquiries I have no knowledge of or have given written consent for is in violation of 15 USC 1681B. 

I also requested that all fraudulent addresses that I have never resided be deleted and my current any only address be updated on my profile. I see that credit reporting agencies have also not updated this information per my request.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX  to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days but until now their is no any responses I received. Ive already included this in my previous complaint & I am including it again., 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Account close its over 7 years
Product: Credit reporting or other personal consumer reports

I have called Equifax several times on several occasions to get my disputes and dispute remarks removed on my credit report. These remarks and disputes are stopping me from getting a home loan. Each time I call, I am assured that they are gone but when the lender pulls my credit, the disputes are still there thru Equifax. I have gotten confirmation numbers but each time, the disputes re- appear. I do not want to dispute this information and need all of the disputes cancelled and the verbage and remarks removed.