23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/20 I discovered {$650.00} was taken from my Bank of America account via a XXXX transaction sent to a person whom I do not know. I immediately called Bank of America to alert them of this, and the representative on the phone helped me change my login info as well as open up a claim case for me. 

On XX/XX/20 I called Bank of America back to follow up on my claim. They told me that the claim had been denied because it appeared that the login used for the XXXX transaction seemed consistent with previous login attempts. They told me I would need to reach out to my mobile carrier XXXX to obtain documentation that my device had been hacked. When I reached out to XXXX they informed me they do not monitor phone 's operating systems due to privacy laws and they could not provide any information about this. When I contacted Bank of America back they told me there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a furniture credit card with XXXX XXXX in XX/XX/XXXX. This card was paid off. A court case was filed and I fought it. I won the case after submitting my payment receipts in court onXX/XX/XXXX. The Banks attorney appealed. I again won the case on XX/XX/XXXX. Subsequent to that on XX/XX/XXXX they stopped pursuing the case. Court documents and the other correspondence were submitted to all three credit reporting agencies and XXXX AND EXPERIAN have both refused to remove the negative reports. I filed complaints through CFPB in XX/XX/XXXX ( XXXX and XXXX ). The lawyer and XXXX responded. This was also submitted to the credit bureaus and the Negative report is STILL attached to my file. What is it going to take to get them to accept my court order and update my file? Its been YEARS! Ive had to keep my files frozen so as not to be negatively impacted for years! Ive attached the pertinent information. Ive been unsuccessful in disputing this item directly with Experian and XXXX.
Product: Checking or savings account

Credit karma money is awful STAY AWAY!!! The XXXX they put you through a customer for a few years now my card was stolen one time through the years the day before they legally need to provide you a provisional credit they freeze and lock your account and tell you there is a special department handling your account and the only channel to reach them is via email what a joke im dumbfounded awful awful awful they are not for there customers I will be contacting the XXXX XXXX XXXX and consumer financial protection bureau in regards to this I live on a limited income and my direct to deposit is again going to be held up again years as a customer this is a terrible way to treat loyal customers I will be contacting the local media also be prepared just because i have a XXXX and you see I get my benefits direct deposited every month does not mean you can use my XXXX against me and lock me out and freeze my account from accessing my money it's discrimination and I am contacting everyone in my power until this is dealt with I can't get a hold of anyone email only well I don't email you my money I need it im in a financial hardship STAY away from this company my email Incase anyone wants to reach out to help me from the company or elsewhere is XXXX XXXX
Product: Mortgage

Dovenmuehle is the biggest joke of a mortgage servicer that I personally have dealt with in all my 20 yrs of buying homes. Had a recent escrow analysis on XX/XX/20 and they claim I have a homeowners policy for XXXX and a separate hazard policy for XXXX. The fact is I only have one homeowners policy that includes hazard for XXXX. Because of this mistake they are raising my mortgage payments to over XXXX! They want this payment starting XX/XX/20. I have called multiple times to get this corrected and being told they have never seen an error like this, and it should be fixed in the next couple of days. Of course this horrible company still hasnt corrected it. On the phone now yet again with the ins. rep about there error, she started arguing about me being in the wrong, then realized it was their error, and immediately placed me on hold for now 15min. I doubt anything will get resolved today based on my history with them and their several errors with my insurance policy! This isnt the first complaint.. Im finding the only resolution is by publicly blasting this horrible excuse of a company. They are criminals and have so many complaints with similar issues. I am a realtor and will continue to warn all my clients about this company.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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. 

This company 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$5400.00}
Product: Credit card or prepaid card

I sent this letter to Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Consumer Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Re : Never applied the 0 % APR for 15 months on my account. 
Act # : XXXX Dear Capital One : Yesterday I received the replacement card ; I entered the app to activate the card when I noticed `that Capital One started to charge me interest on my account. One of the reasons I open this account was because I will Have for 15 months no interest rate.

I immediately called customer service but was not able to find my final agreement. She looked and looked but never found it. I told her that once you find it call me. After we ended the call I went over my pc and found the offer, not only that, you requalify me for this card and the offer was 15 months no APR % for 15 months also a bonus of {$200.00} I never receive it! 
Capital One has been charging me around {$1000.00} interest charges during this period as a mistake. Please investigate and return my money as a credit to the accountant. I dont need the cash just give me a credit over that money. If you have any questions regarding this matter, you can call me at XXXX. 
Sincerely, XXXX XXXX Today I called to follow up to the case and a supervisor told me that he have my agreement and send me the agreement that has nothing to do with the one that I have also I notice that the interest rate is not even the one that they offer last year, they are giving me picture of today 's or my account terms not the ones in XXXX when I apply.
Product: Credit reporting or other personal consumer reports

I am a XXXX  XXXX  XXXX, a form of XXXX XXXX where I was compelled to incur debts under coercion, leading to several negative entries on my credit report. I am currently working with a representative from the XXXX XXXX, which assists XXXX XXXX XXXX. We are utilizing the protections afforded under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information associated with XXXX  experiences upon the submission of an official claim.
Product: Mortgage

XXXX with is requested that the FALSE and incopetent claims made by SunTrust Mortgage are addresses. 

Attached is the statement that the mortgage was SOLD to XXXX XXXX in 2006 - that is a fact. Such entity sold the mortgages and notes forward. Suntrust FAILED to make an assignment in 2006 and failed to realease the lien which. 

Further they made various allegations that these were just investors and still held the Mortgage and note etc- Untrue the mortgage and note was purchased by XXXX XXXX. 
These were sold WITHOUT RECOURSE and purchased by another entity. 

Suntrust Mortgage & / SunTrust Bank & /or Truist has no interest in such Mortgage and has not posses a NOTE since 2006. 

The allegation that Suntrust can by law RE-establish a NOTE for a Mortgage that they sold without recourse is ABSURD. 

Further more fradulent Assignments to other entities and to NON existent Trust ad entities and investors which do NOT exist - is FRAUD Requesting a CFPB determination that Suntrust Mortgage can NOT re-stablish the Note on a mortgage which was sold in this case without recourse, which has moved from XXXX XXXX, to XXXX XXXX, to XXXX XXXX and various Trusts. 

The filing of ficticous and SHAME Foreclosure action on behalf of something that doesn't exist - see attached Suntrust would like to re-establish the NOTE - they are NOT the holder of a Mortgage or NOTE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with Best Buy. I have had excellent payment history on my account, until the national lockdown in XXXX, 2020. The world suffered from this pandemic and during this time everything non-essential was closed. We contacted Best Buy immediately without the ability to contact a rep. We continued timely payments even though our XXXX XXXX is only at 25 % capacity ( which equals 17 seats ). I believe that reporting a late payment, while the world was shut down and experiencing uncertainty to the future, is completely unfair. 
As we continued with perfect payments, we are trying to purchase a home since our lease is expired and our landlord wants us out so she can sell her rental. Unfortunately, this negative reporting onthis account lowers my score unfairly. This derogatory reporting will affect our ability to secure a good mortgage or a fair interest rate. 
Please help a small business owner survive these uncertain times and help us enjoy our hard work & perseverance as a survivor and not a victim. Thank you!
Product: Credit card

On Friday, XX/XX/XXXX at approximately XXXX I was walking with a friend in XXXX XXXX XXXX XXXX near XXXX XXXX XXXX we had a few minutes to grab food before we had to catch a train home, and we stopped at a food cart/vendor called XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). Something we both immediately noticed was that there were no prices listed for the items pictured on his cart, but nonetheless the food smelled good and we ordered XXXX XXXX which the man said were {$6.00} each. 

Regretfully I was a XXXX XXXX and did not think to ask to see the screen ( I used the touch pay feature with XXXXXXXX XXXX ) or get a receipt or ANYTHING. It should have been {$12.00} but as we got closer to the train several blocks away, I received a notification that I was charged {$37.00} for these XXXX sandwiches! I did not sign for that, so this man mustve forged my name and signature. I had no choice but to get on my train or have to wait another hour for another and we simply couldnt. 

The following day I called my credit company Capital One and was told I needed to seek out this merchant to resolve the case in order to get refunded. After being persistent I was told they would credit me {$25.00} to cover what was added to the charge I initially expected, and informed me I would receive paperwork I needed to respond to within 7-10 business days. I never received this information, but instead I was sent a sort of resolution letter to my online banking app, which stated theyve closed the case and are charging me the full amount. Since I paid my credit bill in full on time, I definitely did pay this and it doesnt seem right or fair. I was essentially robbed, and Im sure this sort of pretense is commonplace for people who can not make it back to the city and investigate the whereabouts of a specific vendor cart.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX are reporting that my Frontgate account was late for the month of XX/XX/2020, however, I made two payments on the account in XX/XX/2020. One payment was dated XXXX {$180.00}, and the other was on XX/XX/2020. I was never 30 days late on this account. I have tried discussing this with Frontgate and nothing has been resolve. I have supporting documentation if needed. According to the Fair Credit Act in order for a payment to be late, it has to be beyond 30 days. These reporting agencies are not investigating the problem correctly, and do not care how it affects the individual 's life. I see this every day with my own clients, something needs to be changed or more regulations with the reporting companies. I have made the same complaint several times over the same issue. The credit reporting companies hold your lives in their hands, and then make it difficult to get resolved. Unless you are willing to pay them they do nothing about incorrect information, as far as I can see the credit reporting agencies are a scam.
Product: Student loan

I make my routine monthly student loan payments via automatic payment- I have XXXX loans, XXXX subsidized and XXXX unsubsidized. On XXXX XXXX, 2016, I made an extra payment which I wanted to go to XXXX loan only and as a principal only payment. Navient did not have any means on its website to provide these directions, so I immediately sent an email with the instructions. A few days later it was not made, so I sent a follow-up email with further instructions. Today, because it was not corrected, I called to make the change. The CSR with whom I spoke said that I could not make a principal only payment. That sounds inaccurate and illegal.
Product: Credit reporting or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 


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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told/informed Experian, XXXX, and XXXX to reinvestigate and or remove these accounts : FRAUDULENT EXPERIAN, XXXX, XXXX XXXX ACCOUNTS : 1. XX/XX/XXXX> {$0.00} * Account # : XXXX * Date Opened : XX/XX/year>2022. 
In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regard to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 15 U.S.C. 1681s-2 ( A ) ( 1 ) [ A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681, 15 U.S.C 1666b, 15 U.S.C 1681n-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we filed a Chapter XXXX Bankruptcy to get rid of outstanding debt in attempts to save our home. Our case was discharged on XX/XX/XXXX. Our home was mortgaged with XX/XX/XXXX XX/XX/XXXX at the time. Ive attached some supporting documents and you should find on page 3 of them a page from our bankruptcy case confirming that we filed to retain the residence and reaffirm the debt with XX/XX/XXXX XX/XX/XXXX, continuing our payments to them through this whole process. Our bankruptcy lawyer recommend that after the case was discharged that we should attempt to get a mortgage modification. 

After the discharge on XX/XX/XXXX we took a moment and then contactedXX/XX/XXXX and started the process to secure a modified loan with XXXX XXXX XXXX XXXX which took effect XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX sold our loan to Nationstar. 

We didnt think to check our credit, being told that bankruptcy would take its obvious toll on it. Imagine our surprise when we decided to finally try to build it back up in XXXX and lease a car only to find out it was worse than we thought with one of the reasons being because our mortgage wasnt being reported. When we called Nationstar they stated that it is XXXX   XXXX XXXX 's fault and threw our bankruptcy back in our face. XXXX XXXX XXXX wouldn't even talk to us because they no longer held the loan. The one thing they both said was that some paperwork wasnt filed correctly and tried to lay blame on the lawyer. I tried to call our lawyer, only to find out that hes moved out of state and is no longer practicing. I only have our filing documents which clearly show that retain property and reaffirm the debt are marked off. I have no idea if a certain document was supposed to be filed along with it. Just to be clear I asked Nationstar who they have been receiving payments from for our address and they confirmed that it was us and I followed with the obvious question, then why arent you giving us credit for said payments and they claimed they can't because of the bankruptcy. Their remedy was to refinance. Sure, what kind of rate are you going to give us when we cant improve our credit score because you wont give us credit for our payments?! 

Eventually Nationstar became Mr. Cooper and the real estate market has improved and we are no longer upside down in the mortgage and Mr. Cooper continually pesters us to refinance. We thought now is the time and tried to take them up on it only to find out they are still holding the bankruptcy over our head while encouraging refinance ( see attached document from Mr. Cooper ) and we are 8+ years post bankruptcy. To this date we have not been given credit for our post bankruptcy mortgage payments. Thats 8+ years of payments XXXX  XXXX XXXX and Nationstar/Mr. Cooper have failed to report. This house really exist! Weve lived in it, raised a family in it and maintained it for 22+ years. We pay property taxes for it! The mortgage companies accept our money for it! Give us credit for it..fair and simple.
Product: Credit card

My Macys Amex credit card acct # XXXX which in XXXX XXXX had a credit line of {$2500.00} that was increased to {$3300.00} in XXXX XXXX. After excellent payment history AMEX Credit card company decreased the credit line of this card to {$300.00} on XX/XX/XXXX without valid reason therefore violating my rights and the laws set forth. This intentional action by AMEX impacted my credit score very severely causing more high credit utilization of almost 100 % which resulted in extreme stress and emotional distress, higher interest rates on future loans, reduced access to credit, and a damaged credit profile.
Product: Credit reporting

lease find attached the FTC documents and my dispute letter on an account that i fraudulent located on my records.please have this account removed from my credit reporting since i need your help .the mentioned account is not mine and i have never authorized this account to be issued. i have already send a complaint to best but, this account can not be fount nor at XXXX or XXXX who could be the issuer of this account apparently. 
please follow up this matter, i would greatly appreci
Product: Debt collection

turned into collection agency from XXXX/ for a debit I was handling with my insurance company. debit turned over to Credit Adjustment XXXX Inc. XXXX XXXX XXXX XXXX XXXX AZ XXXX acct XXXX XXXX XXXX, clt..acct # XXXX 
Arrangements were made and a monthly payments has been in a timely manner for months. Please remove this issue so I can regain my credit score. XXXX is the lady I spoke with at credit agency stating to contact you as a credit report was done yesterday with poor rating. Please call me as XXXX if any further questions or email me at XXXXXXXXXXXX matter needs to be resolved asap. 
thank youXXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Mortgage

I was working with a loan officer, explained my entire plan on what I was going to purchase and where. I even sent XXXX links so he had all the facts and so that I could get confirmation that I could proceed with putting an offer on a home I wanted. I was guaranteed that it would work. Then I finally get an offer accepted I send it to him and suddenly he is not working there anymore. I connect with ANOTHER loan officer and turns out everything I was told with the other loan officer was lie. I was planning on purchasing a manufactured home in a manufactured park and I was very clear on this from the beginning, also the XXXX links stated the homes were in manufactured home parks. This was a total of 2 months of communication and detailed confirmation that this was going to work and they could fund this loan. I even confirmed with the loan officer at the time that we could purchase a home built before XXXX, and he confirmed it was possible but needed to pass certain inspections. I was mislead for two months and wasted my time along with the realtors and sellers times for these two months.