23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is a follow up to complaint number XXXX as the response from the merchant was inaccurate I filed the dispute within the 120 day timeframe on day XXXX which was confirmed with the Citi representative XXXX The delays were on the part of Citi as they did not send any correspondence in writing just via email which went to spam. I did not realize this until I went to follow up on the dispute a few weeks after to check the status. 

Once I learned of the email request, I responded immediately and during each correspondence since then asked for them to please give me a call if they needed any additional information. To this date I have yet to receive one single phone call even after numerous requests.

About a week after this complaint was filed, I received another email from Citi indicating my dispute was still opened and that they wanted some additional information. I sent the information over the same day and have asked for a status update twice with no response.

Citi has a break in their process and their lack of follow through has caused me harm. I used this credit card due to the protections afforded within their agreement, but Citi did not hold up their end of that agreement. 

I need to ask that this be researched further as the representatives at Citi are not being truthful, and most importantly, not addressing the breaks in their process, especially around the lack of visibility surrounding the dispute process. They also need to address he reason why no one will pick up the phone to call me or why when I call in I am not permitted to speak with anyone directly involved in the dispute. 

How many other customers does this need to happen to before Citi is required to fix their process. Most of the customers wouldve given up by now.
Product: Debt collection

LVNV funding LLC are trying to sue me in the State of Texas for a debt that they purchased from the original debt company. LVNV has also inserted the debt on my credit report with all three credit reporting agencies without written consent. I have not signed any contracts with this debt collection agency, and therefore demand that these items be removed from my credit report from all three reporting agencies until legal proceedings are over. Thank you for your attention to this detail.
Product: Debt collection

On XX/XX/2020, I called finance company to satisfy the debt of XXXX. I paid the settlement price and was supposed to receive a presettlement letter within two to three days. I called about a week later to give them more time and was told it's going to take 10 to 15 days. I have tried several times to receive my settlement letter and have not been successful. The last time I tried to call they stated they were going to email the representative that I spoke with and that he would email me the letter. It has been about 45 days and I still have not received my letter. They received money and when I call back now, I can not reach anyone or message will be forwarded to original representative. I also was given a audit number from the representative that took my payment. And I provided that when I try to dispute this. It appears on my credit report that I made a payment but account still has not been updated to paid settlement amount.
Product: Mortgage

Due to a nasty marriage annulment, I was forced to pay vast sums ( later reduced ) to ex for support and her attorneys. That situation caused me to fall behind on my mortgage and necessitated filing chapter XXXX bankruptcy. The trustee for the bankruptcy ordered me to pay the minimum amount on the " pic a pay '' mortgage resulting in negative amortization. I made all of the court ordered payments to the trustee for arrears ( my only required repay was to Wells Fargo who owned the mortgage as a result of buying the bank that had financed the house ) and the regular monthly mortgage payment to Wells Fargo. During the sixty month term of the chapter XXXX, Wells Fargo would not allow online payment or automatic deduction. I was forced to call every month to make the mortgage payment for a fifteen to thirty minute call including hold time, monthly redundant questions regarding contact info, etc.. Upon completing and exiting chapter XXXX, it took several months for Wells Fargo to rectify their books and they still required the monthly phone payment. When i called to make the XX/XX/XXXX payment, I was informed that I was six payments in arrears on the mortgage and they would not accept my payment. I called again and spent a great amount of time with a representative that said I was nine payments behind and foreclosure proceedings had begun on my house. I asked for an accounting of what payments were missed and was informed that the Wells Fargo rep did not have access to that info and it would take thirty days to get it. They had already filed a notice of default and I began to be deluged with calls, letters and emails from lawyers, people wanting to buy my home and services to halt foreclosure. I went to both credit unions that I made the phone call payments from and received printouts of the payments to Wells Fargo in less than an hour ( including travel and wait times ). So, there is no reason Wells Fargo can not click the mouse and get an accounting to me in less than thirty days. Perhaps, they are seeking revenge for the junior lien ( second mortgage ) being stripped upon my chapter XXXX exit. If I am behind in any payments, I have never been notified. If I am behind, it would be due to them not processing the phone payment not me being remiss in calling and wasting valuable time with their reps monthly. Under the chapter XXXX that alleviated the spouse attorney payment and support reduction I have ALWAYS been able to make the payments. If I am behind, I have the means to bring the loan current. Wells Fargo has n't provided any accounting and is intent and focused on repossessing/stealing the home that I have paid for, lived in and bled for since XX/XX/XXXX. Wells Fargo is on record and convicted of many illegal, immoral acts. This is their pattern. They are attempting to steal my family 's home. They are criminals. They wo n't give me an accounting for thirty days as they proceed with foreclosure.
Product: Prepaid card

I called the number listed ( XXXX ) for My Banking Direct ( Money Network ) to request a replacement debit card and I was told that the card was already used, and I was helped with submitting a dispute. 

I kept calling the Money Network since they told me that they do not notify users. 

Back on XX/XX/2023, I called in to check on the dispute status ( which was filed in early XX/XX/2023 ), and I was asked to provide the documentation that shows the debit card for the Middle Class Tax Refund card was stolen, so I emailed the letter ( to XXXX, as I was told ) from USPS showing that the debit card was stolen and the the piece of paper holding the debit card was returned to me early XXXX. I was attaching the same document again in this appeal. 

I was told the claim was unsubstantiated when I called them to follow up again on XX/XX/2023. And I was also told that they never received my email or my documentation. I was told that I can appeal this decision. I was told to email XXXX including the word " Appeal ''. 

I appealed the decision that the dispute over the stolen debit card was denied for a very strange reason on XX/XX/2023. 

On XX/XX/XXXX, I called them again and I was told they don't even have any appeal email from me. So they denied my initial dispute due to their negligence and repeatedly ( intentionally or accidentally ) didn't even receive or at least started processing my appeal. 

As a victim of the mail fraud and stolen tax refund ( refund amount is {$700.00} ), I am supposed to be the one receiving help, but instead, that company ( and their fraud investigator ) obviously didn't do anything to help people in need of help and didn't provide any other way for me to continue getting my refund back.
Product: Credit reporting or other personal consumer reports

I spoke with a supervisor today XXXX XXXX at XXXX disputes. He informed me that they ( XXXX ) are just a middleman and that my issue is with the lender whom I am current with and have been for well over a year. Furthermore XXXX whom are not reporting to the XXXX major credit bureaus XXXX, Equifax, and XXXX my on time payments made. I recently sent in to XXXX official payment history from XXXX XXXX XXXX XXXX my payment history. Moreover, I have been current all of 2023 to date by their own ( SPS ) documentation. XXXX makes the claim that XXXX verified their current unknown payment status reporting is accurate. After filing this dispute my score was dinged XXXX points with XXXX. XXXX would not tell me why my score was dinged. However, I believe it was the doubling down by XXXX which further hurt my credit score. Under the law, the Fair Credit Reporting Act, all lenders reporting information to the credit bureaus, must report accurate information. If they are informed that something is not reporting properly, as XXXX, and Equifax did inform XXXX they are required to investigate my dispute and then update the reporting so that its accurate. An Equifax dispute in which XXXX is reporting me delinquent in XXXX of 2023 has still not been removed after I submitted proof directly from XXXX that it was paid on time. Bankruptcy does not change that requirement at all. Every payment I have made to XXXX, either before or after I filed for bankruptcy, must be reported to the XXXX major credit bureaus. By XXXX failing to report timely made payments, this lender is reporting that I have a much higher balance ( $ XXXX vs XXXX ) on the mortgage than I currently do, reporting of last payment made is inaccurate, reporting that the account is delinquent is inaccurate. The report already shows the bankruptcy in the public record. Repeat reporting by XXXX as delinquent is not the same as a bankruptcy and inaccurate. XXXX reports that the loan is closed which is improper if not illegal. Overall, XXXX is denying me the benefit of timely made payments to FICO, the company that creates credit scores. This can only hurt my ability to get jobs, cars, housing and other credit that I may need to live life. This needs mediation immediately. If the CFPB can not help resolve the issue I need to know A/S/A/P so that I may seek legal counsel as my rights have been and are currently being violated.
Product: Credit card or prepaid card

My bank sent a loan proceeds check to pay off an account with Synchrony Bank and close an account. The account was paid in full and closed ( receiving a closed account letter ) and 35 days later Synchrony Bank said the payment was returned. They cant tell me where it was returned or why. My bank XXXX has called Synchrony several times explaining they didnt return the funds. I have been trying for 5 months to get it resolved. I have spent about 14 hours on the phone trying to resolve this and NO ONE at Synchrony can help me.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year>, {$380.00} as the amount I aint know nothing about this loan till I checked my credit report
Product: Debt collection

Failure to Validate Debt Account in Violation of FDCPA I am filing this complaint against National Recovery for their failure to validate a debt account as required by federal law under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

On [ insert date ], I received communication from National Recovery regarding an alleged debt they claim I owe. In response, I sent a written request for debt validation on [ insert date of your letter ]. The request was sent via [ certified mail with tracking number ] and was delivered on [ insert delivery date ]. 

Under the FDCPA, National Recovery is legally required to : Provide sufficient validation of the debt upon request, including details of the original creditor, the amount owed, and proof of their right to collect the debt.

Suspend all collection activities until they have validated the debt.

Despite my request, National Recovery has failed to comply with these legal requirements. They have not provided the requested validation and have continued collection efforts, which violates federal law. Additionally, they have reported this unverified debt to the credit bureaus, causing damage to my credit profile.

Desired Resolution : To resolve this matter, I request the following actions : Full Debt Validation : Require National Recovery to provide comprehensive documentation of the alleged debt, including the original creditor agreement, a breakdown of the debt amount, and proof of their authority to collect the debt.

Cease Collection Efforts : Ensure that National Recovery halts all collection activities and communication until proper validation is provided. 
Immediate Removal from Credit Bureaus : Require National Recovery to immediately remove all references to this alleged debt from my credit reports with XXXX, XXXX, and XXXX unless the debt is validated in accordance with the FDCPA. 
Correct Reporting Practices : Prevent National Recovery from reporting this debt again in the future unless it is properly validated.

Compliance Investigation : Investigate National Recoverys compliance with the FDCPA and impose penalties or corrective actions if they are found to have engaged in a pattern of non-compliance.

By resolving this matter, I aim to protect my rights under the FDCPA and ensure that National Recovery adheres to its legal obligations. Their failure to validate this debt has caused undue stress, financial harm, and damage to my creditworthiness. 

Thank you for your prompt attention to this issue.
Product: Checking or savings account

On XX/XX/2022, I made a wire transfer From 5/3 Bank located at XXXX XXXX XXXX, XXXX, TN XXXX to XXXX with an amount of {$4700.00} to another bank in XXXX. For some reason the wire went and they didn't recognize the receiver, I requested my wire amount to be returned from my Bank 5/3 bank. They approved the return request beginning of XX/XX/2022. Right now, they can't get me the fund back, they keep saying they lost the money and kept saying they are communicating with the other bank in XXXX and can't find the money, they can't do their due diligence and they are intentionally don't request the money from the other bank, 5/3 bank also refused to give me their internal communication messages to prove if they already asked the bank in XXXX for my Money, I called the other bank in XXXX and they have no idea about the money and have no request from 5/3 bank. the amount has been as negative in my saving account for 2 month, it affects my budget and my family expenses, simply I need the money that my bank approved to return it two month ago, the bank manager is XXXX XXXX XXXX and her email XXXX. the teller who made the transaction is XXXX XXXX. 
my account is Saving account and my name is XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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.

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: Checking or savings account

I received no warning or information that all of my bank accounts would be frozen with Capital One. When I called, they let me know that they can not provide me any information as to why my accounts got shut down, but due to an internal review I can't bank with Capital One anymore. They let me know I would recieve a check in the mail of my available funds in my checking account within 7-10 business days. 

It has now been 14 days. I called again and they told me that my account is just under review, but hasn't been closed yet and that once it closes, then they'll send me my money. They can't tell me why my account is under review, or when it will be done being under review. They said at this time, they don't know when I will have my money. 

They are withholding my money for an indefinite amount of time, and not giving me a reason why.
Product: Mortgage

My mortgage was sold from Rushmore to XXXX XXXX on XX/XX/2022. Rushmore sent my insurance payment of {$1200.00} to XXXX XXXX XXXX in XXXX of XXXX in a mass payment of {$220000.00}. I received a cancelation notice from XXXX XXXX for non-payment in XXXX of XXXX. The cancelation notice states, '' The amount due includes a {$1200.00} check was not honored by the bank. '' Rushmore never transferred the money to XXXX XXXX other than {$400.00} that was left in my escrow account. I have been trying for three months to get this fixed but I have been unsuccessful. Rushmore has lied to me, XXXX XXXX and XXXX XXXX about the {$1200.00}. I have spent 70 hours on the phone and I need your help! XXXX XXXX has increase my monthly mortgage payment by {$68.00} to cover a shortfall in the escrow.
Product: Credit reporting or other personal consumer reports

Tonight, I noticed erroneous accounts on my credit report, and I have no idea why. I check my credit report regularly, but this time, there were unexpected discrepancies. I tried refreshing my browser to see if it was a technical issue, but the inaccuracies stayed. Because of this, I'm requesting a detailed review of the documents I've sent to prevent this problem from recurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXXXXXX  Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Tenant Screeners ( Reseller ) Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX BELOW IS A LIST OF INACCURATE ADDRESSES ON MY CREDIT REPORT THAT MUST BE REMOVED ALSO DUE TO IDENTITY THEFT!!!!!! 

XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER
Product: Credit reporting or other personal consumer reports

" I am requesting the immediate removal of my student loan information and child support from my credit report. 
I believe this information is being reported in violation of the Family Educational Rights and Privacy Act ( FERPA ), which protects the privacy of student education records. Additionally, the Fair Credit Reporting Act ( FCRA ) restricts the use of consumer reports to specific permissible purposes. I assert that the use of my student loan information and credit worthiness for purposes related to child support enforcement is unauthorized and violates the FCRA. They are simply looking at my credit for the ability to determine child support legally not damage my credit with arrears under 1681 B permissible purpose.

I request notification of the removal of this information, as required by the FCRA, at no charge. Furthermore, I request the names and addresses of all entities contacted regarding this matter. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I think this was not intentionally done. Please verify this inquiry along with the date shown. 
XXXX XXXX XXXX
Product: Credit reporting

I have asked for Equifax to block fraudulent information and accounts from my credit file by filing XXXX online disputes and XXXX dispute by phone. Before submitting both online disputes, I made sure to attach my Identity Theft Affidavit that I printed from the Federal Trade Commission 's site and the Police Report that I filed with local law enforcement, outlining the fraudulent information and accounts. I also faxed all of the information to Equifax, with successful transmission, 9 times!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( XXXX  ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( XXXX  ) ( XXXX ) 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: Student loan

Navient sent me a letter regarding my fees and interest accessed during the period my loans were being held with the Ohio Department of Education to be accessed for forgiveness. Due to unfair practices my documents were never accessed properly and the application was declined. I received a letter statement all interest in fees would be removed from the account this week an email came stating those fees and interest is still applicable. Loans and fees are currently being deferred, but I check my account and I am see a monthly charged. I received a letter with a small settlement regarding my loans stating Navient was negligent with my loan forgiveness and that a {$260.00} check would be sent why not just re-evaluate my application. My accounts have been mishandled by Navient which has impacted my credit history
Product: Credit card or prepaid card

Tried to get a lower rate and payment today on Discover card. XX/XX/2021