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

On XX/XX/XXXX I received a phone call from my loan agent because my husband and I were trying to purchase a house and get pre-approved. My loan agent called and said that my credit shows a {$67000.00} mortgage debt. She sent me my credit report and told me to call the company and find out why they are reporting this against me since I did a short sale on the home home in question. I called Mr. Cooper ( which used to go by Nationstar and is showing up on my report as Nationstar ) on XX/XX/XXXX and was hung up on a couple of times with each representative stating that my phone was suddenly losing connection. I finally spoke with someone named XXXX. She asked me for my loan number and I told her I didn't have one because I never did business with Nationstar. She gave me the steps to follow to have this resolved within the company and removed within about a week. I called the number and left a message on the voicemail of XXXX XXXX. He called me right back and stated that they were closing for the evening and he would call the following morning. He issued me a loan number to use for follow up. He did not call the following morning so I called him. He said that he passed the information to his supervisor and has not heard anything from her so he would call or email in a couple of days. It has currently been three weeks and I have heard nothing. With the Covid 19 going on I was being generous and giving additional time but now I am frustrated. I called again yesterday late morning XX/XX/XXXX and Left Mr. XXXX a message and he has not returned my call yet. I'm not sure what the problem is since I have the title documents showing that my sale went through XX/XX/XXXX and they have record showing that the transfer of my loan to them from XXXX  XXXX XXXX was effective XX/XX/XXXX. Its as simple as me emailing or faxing them these documents as proof. At this point, they are the only negative on my credit report. I was advised that by going in house and requesting a credit update so it goes through all of the credit agencies would be smoother and quicker than if I went directly to each credit agency.
Product: Credit card or prepaid card

I purchased a hot tub from XXXX who just happens to be Mattress-Firm. Synchrony Bank underwrites all of Mattress-Firms credit accounts. My problem is with how Synchrony Bank processes payments. My payments was made on: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Yet Synchrony bank first email me in XXXX  saying I was late on payments. I immediately called in and talked to a very nice Customer Service  rep. who explained that Synchrony Banks statement dates/Billing cycles start on the first of each month and are due on the XXXX of each month. So the payment I may on XX/XX/XXXX which I thought was for XXXX, was written as a second payment for XXXX  and the payment made on XX/XX/XXXX which I thought was for XXXX, was written as a late payment for XXXX. Notice, there technically is no XXXX payment (because I thought the XX/XX/XXXX payment was for XXXX). So synchrony back is saying that I failed to make a payment in XXXX. Not only has Synchrony bank charged me multiple late fees (which they did reverse) but they have also reported me as making late payments to the credit burroughs harming my credit rating's. As I stated before, Synchrony bank did reverse/wave the late fees I was charged. However, Synchrony bank flat refuses to admit that I have been making payments and is standing firm that I never made a XX/XX/XXXX payment. They are demanding that I make another payment to catch my account up. What is even more annoying about this, is the fact that the payments I have been making are $XXXX  more than my monthly payment.
Product: Mortgage

Dear CFPB : I have been struggling to pay my mortgage for over a year now. I concluded I could no longer keep the home, so have been trying to sell it in a short sale for over 1 year I have obtained three qualify buyers and have been unable to close because the lender is acting in bad faith. The lender is alleging that I have to pay a {$15000.00} fee for mortgage insurance. I had no idea and was never told when I obtained this mortgage that some how there would be an insurance premium due at the time I sold my house. I now have a buyer who is willing to buy my home which the lender themselves valued at {$150000.00} for {$160000.00}. In addition, because I have been trying to do this for more than 1 year and have had numerous deal fall through with the bank, I agreed to take {$5000.00} out of pocket. Still the bank refuses and is asking the buyer to pay the {$15000.00} insurance claim in addition to the sales price of {$160000.00}, so essentially they would be paying {$170000.00} for a {$150000.00} which absolutely no one would do. I am in desperate need of your help and do not know who else I can turn to. I was neither aware of this additional {$15000.00} when I purchase this home, I can not find a buyer to pay more for a house than its worth and I can not contribute more than {$5000.00} at time of closing. Please assist me.
Product: Payday loan, title loan, personal loan, or advance loan

My name is XXXX XXXX. My user ID with Solo Funds is XXXX. First of all I have been a borrowing customer with Solo Funds since XXXX, and I have never had an issue with them until now. I applied for a loan on XX/XX/XXXX and due to the company having many issues with their app I was never able to receive the {$570.00} I borrowed. I was also leaving the lender a tip in the amount of {$45.00} so my total repayment would be {$620.00}. When I was receiving error messages that prevented me from getting access to the money I immediately notified the company about the problem on XX/XX/XXXX. They have been updating the app for weeks prior to this day and were suppose to be resolving their issues with their app. I had two weeks to repay the loan but still unable to get the money I kept contacting the company and I was told on XX/XX/XXXX it would be cancelled and I would not be responsible for any fees. I did keep up with this loan being cancelled off of my account and still made many attempts to reach out to customer service about still having issues. I contacted them on XX/XX/XXXX as well. I kept being reassured the same thing over and over again until the loan became due. Then the flood of calls and e-mails started that I was delinquent on repaying I responded with the fact that I never received the money and provided screenshots for proof of the issue to customer service multiple times way before my XX/XX/XXXX due date, and I did the same after the due date as well. I have been reassured many times that the issue has been escalated to the engineering department, and I am not going to be responsible for the loan it would be cancelled. Now the company is charging me late fees as well. The amount for paying back the loan is now at {$680.00} and still getting emails and phone calls about paying this money back. I feel as a loyal and responsible customer this company has failed to continue to provide me with great service and failed to do what was told to me time and time again since the day the issue started. I reached out one last time and received a response 4 days ago with the same reassurance!
Product: Debt collection

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 
The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Checking or savings account

On XX/XX/22 I made a domestic wire transfer to a recipient of mine Name : XXXX XXXX in the amount of {$5200.00}. XXXX ID XXXX. But, my money was put on hold by Bank of America. However I have a chase bank account. When I tried to recall my funds back they never answered to the messages I sent them through my bank. My bank says they can't do anything until they respond. It's been 9 months that my money is with the bank. There's an ongoing inquiry. XXXX. and an ongoing case ID XXXX.
Product: Mortgage

FRAUD. Selene Finance is not a registered party on the property as confirmed by XXXX, XXXX XXXX  City Registry. 

In their response by XXXX XXXX on behalf of Selene Finance LP dated XX/XX/XXXX, XXXX XXXX failed to provide an explanation to : " Selene Finance is to specify their relationship and affiliation to XXXX aka XXXX as to which they referenced in their response Paragraph 3 line 2. '' This is my third request for Selene Finance to clarify their relationship to XXXX aka XXXX that XXXX XXXX made references to in her letter dated XXXX XXXX. 

Since Selene Finance failed to provide an explanation to their relations/affiliations with XXXX, I have contacted XXXX XXXX City Registry ( XXXX ) and XXXX. I was made aware that neither XXXX aka XXXX nor Selene Finance LP have registered on the property. 

This information is a PUBLIC knowledge and can be verified by XXXX, XXXX XXXX City Registry and XXXX. 

Please investigate why XXXX aka XXXX aka Selene Finance are not registered as required and are operating in a FRAUDULENT manner. 

*Note : no additional authorization is required to contact XXXX, XXXX XXXX City Registry that will provide the verification of the above
Product: Credit reporting, credit repair services, or other personal consumer reports

In late   XX/XX/XXXX ( twice ) I made sure to set myself up into an income base payment plan over the phone, because I knew I would be losing my Job in  XX/XX/XXXX . They were able to defer my loan and I would be all set. Come  XX/XX/XXXX  I noticed my credit report showed that I was 90 days ( and some 120 days ) late. This was all supposed to consolidated into one loan, and deferred. I have disputed this several times with both the credit bureaus and with   XXXX   XXXX   XXXX   ( who manages the loan for   XXXX   XXXX   XXXX   ) but they will not comply or admit fault and remove the negative remarks from my credit report. I issued a summons in small claims court, but they had their lawyers move it to Federal court -- -which I can not afford an attorney to handle in Federal ( they knew wh at they were doing ). All I want is for them to do the right thing and remove the negative remarks off my credit. I have a job now, and intend on paying my loans back, but because of my job loss, I had to eat away at my savings, and dipped into my credit cards. I 'm stuck and struggling to get by now.
Product: Credit card or prepaid card

RE : UNAUTHORIZED CHARGES TO MY ACCOUNT Five unauthorized charges were made to this BofA account, totaling {$240.00}, from XX/XX/2020 through XX/XX/2020. ( I have not used this account for any purchases, only transfers, to date. ) I immediately attempted to contact Bank of America by phone regarding these thefts, and have been unable to reach their Claims Department by phone after numerous calls, at all hours of the day, and with extremely long 'waits ' after which I was repeatedly disconnected. - I then contacted them by email, at XXXX, and was told they can not help me via email and directed me to call XXXX. I have not been able to get through to them at that number either, nor at any other number I've found online. 

I want this stolen money to be restored to my account. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus has refused to correct /remove fraudulent and erroneous data from my report after several attempts and several months of disputes via certified mail, online and phone. 
They have also failed to provide me with sufficient evidence for these inaccuracies within the 30 day timeframe allotted by law. The most recent dispute was made XX/XX/XXXX. 

Erroneous data : all names other than " XXXX XXXX '' ( many incorrect spellings and middle initials reporting '' all addresses other than " XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX '' XXXX XXXX " late payment XX/XX/XXXX XXXX XXXX XXXX ' late payment XX/XX/XXXX'' XXXX XXXX XXXX XXXX " late payments 4 years ago on closed account '' XXXX XXXX XXXXXXXX " open account of $ XXXX " ( account closed as report states } Fradulent data : all Inquiries XXXX " open account $ XXXX " Transunion, XXXX and XXXX  have experienced security breaches. Therefore, it is in their best interest to correct this matter as it is adversely affecting me. My next and final step in this matter will be litigation. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Saturday, XX/XX/XXXX at XXXX I received a text msg : '' ChaseXXXX ( R XXXX : Did you schedule a XXXX transfer to XXXX XXXX for {$1500.00} Reply Yes or No. XXXX  XXXX XXXX out reply STOP. '' I replied no to the text. I immediately received a phone call from XXXX ( the number on the back of my Chase Debit Card ). The man claimed to be from Chase and was calling about suspicious charges made from my account. He then asked if I made various charges which I had not made. He explained that the withdrawals had been made through XXXX, and that in order to get it refunded I would have to log on to XXXX. He then said his supervisor was on the line and they need to verify that they were talking to me so in order to get reimbursed I would have to send {$1400.00} dollars through XXXX. So because I believed this man was an employee of Chase I authorized the money to be sent under false pretenses, I sent {$1400.00} to XXXX. He then asked me if I had an account with XXXX XXXX  and stated that there had been fraudulent activity in that account as well. He then had me send money in the amount of {$200.00} and {$30000.00}. He then told me it would take 30 minutes before the money would be returned to my account. He called me 30 minutes later and said that it would actually take 24-48 hours and not to call customer service because this would interfere with the process. Then I became suspicious and asked him how I knew he was from Chase. He said that he had called me from XXXX the first time he called. I verified this on my phone. Later that day I realized I had been part of a scam and called Chase Customer service. They said that the fraud department was closed until XX/XX/XXXX due to the XXXX. I filed a fraud complaint at Chase and XXXX XXXX  on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one collection from XXXX XXXX XXXX for XXXX on my report. I have never had a XXXX account. They will not send me any information on the account in question. 

Another collection on my account is IC System for XXXX XXXX. I tried calling and the number was disconnected. Again, I have not had a XXXX account.
Product: Credit card or prepaid card

I opened a credit card with BBVA in 2020. The annual fee is waived the first year, and they charge a {$99.00} annual fee for all subsequent years. Upon learning the card was being converted to a different product and being charged the annual fee, I immediately called BBVA to close the account. The agent closed the account and said the annual fee would be removed and I would have no further responsibility. A month later, I received another statement from BBVA for the annual fee + late charges. I have now called twice to have the fee removed, and the agents seem unsure what to do. I am not paying an annual fee for a card I no longer have and would not have closed the account had the original agent informed me they were not removing the fee. This is a highly deceptive practice and does not conform to industry standards across all over U.S. credit card companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting 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 antedates the report by more than seven years.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XACTUS-XXXX  made an unauthorized credit check into my credit resulting a hard inquiry. The inquiry was made XXXX XXXX XXXX.
Product: Vehicle loan or lease

In XX/XX/2022, I purchased a vehicle ( XXXX XXXX XXXX ) from US Auto Sales in XXXX XXXX, GA. The vehicle is a lemon. It has had a multitude of mechanical and the electrical system is not fixable. The company also hit the " kill switch '' frequently which always made the battery disabled. I would be only 2 days late for payment or not at all. The " kill switch '' would still be used by US Auto Sales. I was double-billed, also. I had the XXXX XXXX sitting at a Mechanic 's Shop, but the new company, Westlake Portfolio repossessed the vehicle. I am seeking relief from a chronically broken-down vehicle that was unfixable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this month I had applied for a XXXX college loan for my son, as I do each year, and was told by the college treasury office to contact Equifax due to a 'problem ' with my credit.

Upon calling Equifax numerous times I was told by the Equifax customer rep that my SSN, name, and address do not match any file in their system. I was told to submit official identification as proof of SSN, address, name and I did so.

I have followed up repeatedly for progress on correcting this issue and each time I am told that there has been no change and there is no additional information they can share with me.

Note : I have had credit established with each of the three credit reporting bureaus for +30 years and never had any issue with fraud or errors. I have no such problem with XXXX or XXXX so I don't understand why this is happening and have no response from Equifax as to whether this can be corrected.

Please help.
Product: Checking or savings account

Dear truist, I hope this letter finds you well. I am writing to express my frustration and dissatisfaction with the handling of a dispute I filed concerning a recent transaction. 

On XX/XX/23, I initiated a dispute with your bank regarding a purchase I made. I clearly communicated that I did not receive the item as described, and it was missing essential parts. To my dismay, it appears my concerns fell on deaf ears, as I received a letter advising me to wait until the package arrives before disputing the transaction. 

In an attempt to rectify the situation, I promptly called your customer service line to clarify that I had indeed received the package but that it did not contain the expected contents. During this call, I spoke with a lady from XXXX who acknowledged the mistake made by her colleague and assured me that she would take care of the issue. 

Regrettably, despite her assurances, no action has been taken to address the missing parts, and the matter remains unresolved. This has led to significant inconvenience and frustration on my part, as I am left with an incomplete item that does not serve its intended purpose. 

I understand that mistakes can happen, but the lack of follow-through and resolution after acknowledging the error is disheartening. I am exhausted from going round and round in this process without a tangible solution. 

I implore you to expedite the resolution of this matter and ensure that the missing parts are shipped to me at the earliest convenience. I believe a prompt and effective resolution is crucial in maintaining the trust and satisfaction of your customers. 

If necessary, I am prepared to escalate this matter further, including seeking assistance from relevant regulatory bodies. However, I sincerely hope it does not come to that and that your bank can swiftly address and rectify this situation. 

I appreciate your immediate attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

THE INFORMATION PRESENT ON MY CREDIT REPORT HAS NOT BE APPROVED OF VERIFIED BY ME In accordance with the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 section 602 A STATES : YOU NEED TO PROTECT MY PRIVACY.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : STATES : I NEED TO PROVIDE WRITTEN INSTRUCTIONS ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -DEPT OF ED XX/XX/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 XXXXXXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/2019 I was attempting to login to my accounts and discovered both my business and personal accounts were locked out. I contacted the customer service number and was transferred to the account closure team who informed me that Bank Of America decided today that they would be ending the business relationship with me for no reason. 

I asked about the funds in my personal account and was told that they would not be releasing my funds to me. I want to make sure that my funds from my personal checking account are released immediately and I am paid interest for the days that I don't have my funds. 

Further legal action will take place if needed.