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

I open an account with chase back in XXXX when I open the account, I got approved for chase secured checking account where there is a fee XXXX. I never had any issues XXXX of XXXX I went into chase bank to open up a regular chase account witch I got approved for a total checking account everything was good until XXXX, XXXX XXXX when I went to log into my account I got a message saying we locked your account due to suspicious activity so I called them and talk to someone in account closer department, and they said in so many words that they were closing my account because someone in fraud department decided to close my account for no reason, and they said in our policy we can close an account anytime we want to for no reason and dont have to give the customer any explanation luckily I wasnt out somewhere doing a purchase or at a restaurant because I wouldve never known they done any of this they didnt call or send me an email when I talk to them oh they were like we mailed you out a letter Friday XX/XX/XXXX. I feel chase is doing bad business because how can a company just close an account for no reason. I mean the only thing Ive done with this account is make cash deposit at the atm or transfer funds from XXXX to my chase account or transfer funds from another bank to my chase if they consider this being suspicious its something wrong with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint on this website against Shellpoint mortgage servicing. The first complaint { XXXX } was issued on XX/XX/XXXX. Shellpoint replied on XX/XX/XXXX { case # XXXX } { reference # XXXX } stating they were sorry for their mistake, they were going to have Modification documents sent to me within one week, and they were going to immediately contact all credit reporting agencies to have my false late payments removed from my credit report. 
Today is XX/XX/XXXX, Shellpoint has done nothing. Shellpoint is still harrassing me for back payments, they haven't sent me loan modification documents, and my credit is still showing that I'm 90 days late on my mortgage. I've informed Shellpoint that I am attempting to purchase a new home, and I need the lateness 's removed. Shellpoint has assigned me a point of contact by the name of XXXX XXXX XXXX. Mr. XXXX rarely responds to emails, phone calls, and always indicates the issue of the modification and false credit reporting are out of his hands. He refers me to his supervisor XXXX XXXX. XXXX replies to phone calls and emails even less than Mr. XXXX. The times XXXX has replied to me, she's made promises to handle escalate the matter to have my modification documents sent to me and fix the credit report, but still nothing is ever done. 
If this complaint does not get the issue resolved, I will have to resort to legal action. I will sue for damages, harassment, ruining my credit, and the time it's taken to get this cleared up. 
Attached please find Shellpoint 's response clearly stating this matter would be cleared up within one week, and this was over 3 months ago. Also, I've attached proof of all payments, modification documents, and bank statements showing payments coming out of my checking account.
Product: Mortgage

I received a loan from XXXX in XXXX, XXXX with a fixed rate in XXXX, GA and they sold the loan to XXXX in XXXX. I had been paying my payments until XXXX sent me a statement stating that my mortgage was going to be higher. I asked XXXX to validate my loan since XXXX and they could not provide me the information for the correct numbers from my loan from XXXX to XXXX. XXXX put my house in foreclosure XXXX times and I had to file bankruptcy to stop the sale and get more time to get XXXX to send me the correct documents. XXXX sold the loan to Caliber Homes and they too now have my house in foreclosure for XXXX XXXX, XXXX. 
I have been requesting for years from XXXX, XXXX for Caliber Homes to send me the correct numbers to validate the loan from XXXX and again I am going through the same thing. They sent me documents that date back to XXXX, Caliber Homes has no records of XXXX - XXXX and the numbers are very wrong. 
I filed bankruptcy XXXX XXXX, XXXX and Caliber Homes is not approving my Stay of Execution so we can continue the investigation. I have reached out to RESPA as well. 
I need to stop the XXXX XXXX, XXXX foreclosure sale date and have the mortgage company subpoenaed to get all of my records and make sure that they can validate my loan with the right numbers. 

XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXXXXXX
Product: Vehicle loan or lease

XXXX XXXX XX/XX/2021. 6 late fees due to covid 19. I was unable to pay my monthly car note of {$510.00}. These late fees on my credit report is affecting me to be able to move forward in my personal life. I lost everything. I signed up for the covid relief program not aware of the company to continue to report 30 and 60 days late to my credit report.
Product: Credit card

Subject : Notice of Default and Credit Denial Dear American Express Customer Relations, I am writing to address the recent denial of my credit application with American Express and to bring to your attention a specific provision in your Inventor Trust Agreement that I believe is pertinent to my application. 

In reviewing the Inventor Trust Agreement, specifically Section 2.9 - Exchange and Registration of Transfer of Securities, it has come to my attention that my application is considered a security under this provision. I understand that the proper evaluation of creditworthiness is crucial, and I have carefully reviewed the terms and conditions associated with this section. 

Given the information provided in Section 2.9, I would like to highlight that my application should be considered within the framework of the agreement, and any denial should be thoroughly reviewed in accordance with the terms outlined in the Inventor Trust Agreement. 

I believe that my application has not been given due consideration in light of the mentioned section, and I am concerned that this denial may constitute a notice of default under the terms of the agreement. 

I kindly request a thorough reevaluation of my credit application, taking into account the relevant provisions in the

Inventor Trust Agreement. Additionally, I would appreciate any clarification on the reasons for the denial and any specific documentation or information required to remedy the situation.

I value my relationship with American Express and trust that this matter can be resolved amicably. Your prompt attention to this issue is greatly appreciated. 

Sincerely, XXXX XXXX, agent
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized any inquires that is on my credit report. 

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 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 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 card or prepaid card

My wallet and personal info was stolen in XX/XX/2023. I had filed a police report wit the local police station. The thief was able to access my personal information and was able to verify the activation of the card with the customer service agent on XXXX occasions. There are fraudlent charges on the card in XXXX and XX/XX/2023. 

The credit card company is not removing the fraud transactions and is making me liable to pay for the amount. 

I have filed XXXX police report with report numbers XXXX XXXX - XXXX
Product: Checking or savings account

I am reaching out to request your valuable support regarding an issue I am facing with funds held by the State of XXXX, specifically under " Unclaimed Property of South Dakota ''. This situation arose after Citibank NA closed my checking account in XXXX due to a period of inactivity on my part.The funds in question represent 40 years of savings, intended for use now, in my retirement stage. The account was active from approximately XXXX until the aforementioned date. Throughout that time, I maintained a consistent relationship with the financial institution, as evidenced by records of various accounts I held during that period.I initiated the process to recover the funds, totaling {$45000.00}, in XXXX. On XX/XX/XXXX, the Unclaimed Property Department of South Dakota requested a Citibank statement showing the last account balance, as well as my address. I complied with these requests on XX/XX/XXXX, sending the required correspondence, which was received by the department on XX/XX/XXXX. However, the response has taken over three weeks. The reason given is that once the account is closed, I am no longer considered a bank customer, and the requested documents are held in another office to which I have no access. The lack of a timely response, in a modern and technologically advanced world, has left me feeling displaced and frustrated. Furthermore, I wish to express my concern, as I am a XXXX XXXX a widow, and this money represents my life savings, earmarked for my retirement. Additionally, I am facing a family emergency, as my eldest son requires costly XXXX  XXXX. The inability to access these funds was due to the lack of necessary documents, a situation exacerbated by the crisis in XXXX, which I have only recently been able to resolved. I am currently residing in Florida, staying with friends who have kindly supported me given my economic situation. My financial situation does not allow me to remain without a solution or access to my funds. My attempts to get answers have been fruitless, meeting with indifference and lack of response. Therefor I kindling request your intervention and support to to recover the resources for which I have worked and saved my entitle life for this time of retirement and now to be able to save my son 's live. 

I deeply appreciate your attention and I am grateful in advance for any support you can provide me. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/20 - attempted to use my CareCredit card issued by Synchrony Bank to purchase medical equipment online through XXXX, one of their partners. The item is not sold in stores, but Online only. I have a XXXX condition which also limits my ability to being out and about shopping during this pandemic. I called the bank and asked why the cards have not been expanded to online using during the Covid-19 pandemic. Why do they still expect the most vulnerable to go inside stores and shop? This needs to change immediately! They did not have an answer. CareCredit should be concerned with people shopping in stores. They should expand card use to online immediately!
Product: Credit reporting or other personal consumer reports

In XXXX XXXXmy account was assessed a late fee of XXXX XXXX.plus interest of {$1.00} My payment was posted onXXXX. I was told that the statement date was the XXXX  of each month From that month to the present, I made my contracted payment plus any additional interest that was charged, on or before the statement date. Because I did not make the first {$40.00} payment, an additional late fee was added each month despite the fact that the contracted payment was made in a timely manner. Additional interest was also added which I also paid. In XXXX I was finally able to have my dispute resolved with the executive branch of Wells Fargo and all of the late fees billed {$200.00} ) were re-credited to my account but not before a delinquent status notification was placed in my credit file that resulted in the reduction of my credit score by XXXX. The credit bureau dispute resolution department is not willing to correct the error in my credit file but has told me that I would have to wait 45days for the matter to correct itself. In the meantime my creditors have either reduced my credit or withdrawn my credit privileges altogether. Wells Fargo had me pay an additional month 's payment and then advised me that this amount was credited to the principal and i now requiring that I pay another month in XXXX. I would like my credit file to be updated to reflect no delinquency and that the payment that was credited to the principal without my approval be credited to my XXXX payment due which is what I was told originally. As you can see, I do not pay my debt late and have bad no delinquencies for the past years. Please help me to correct this unfair practice.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against Wise concerning an issue where my account was locked in XX/XX/XXXX, and a subsequent payment issue involving XXXX payouts for my content creation work. 

As a content creator on XXXX, I utilize the platform 's payout system to receive my earnings. In XX/XX/XXXX, I received a payment of {$1200.00} from XXXX, which was sent to the Wise bank account details I had previously added to my XXXX payout settings. However, at the time of this payment, my Wise account had been locked, and I no longer had access to those account details. The only information I possess regarding this transaction is the payment and transaction ID, along with the last four digits of the bank account used. 

According to XXXX 's policy, once a payment is issued, it is considered sent to the bank and can not be returned to XXXX. Should there be any issues with the bank details at the time of payment, XXXX 's protocol is to fail the payment and notify the user to update their bank information. Contrary to this policy, the payment was sent to my previously closed bank details. 

Upon contacting Wise about this discrepancy, I was informed that they had returned the amount to XXXX. This response conflicts with XXXX 's stance, which states there is no policy allowing for the amount to be reflected back to them once a payment is made. 

This situation has left me in a difficult position, as I am unable to access the funds rightfully owed to me for my work. I request the assistance of the Consumer Financial Protection Bureau in resolving this matter. I seek clarification on the whereabouts of my payment and wish to ensure that the funds are correctly credited to an accessible account. 

Thank you for your attention to this matter. I am looking forward to a swift resolution. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX
Product: Mortgage

We were told in XXXX that we had been qualified thru USDA to purchase a home for {$160000.00}. We purchased a new build home and uprooted our whole lives to move to XXXX, NV and watch our new home being built. On XXXX XXXX we were finally doing our final walk-thru and would be in before XXXX. During that walk thru our lender called the sales agent ( not our agent ), to tell her we did not qualify because we are on income leveling. This means that when social security kicks in, ( in 2 years ), my retirement benefits come down by exactly what my SS amount will be ( {$XXXX} ). They told me that one underwriter had been fired and the new underwriter had dis-qualified me on that fact.
Product: Debt collection

I contacted the number listed on the text message sent to me and they didnt have the correct amount I owed on that credit card. They were rushed and didnt sound professional at all.
Product: Credit card or prepaid card

I opened a cash app account XXXX. I used it very little. I made the once in a while transfer to my friends and family without any problems I loaded my cash app card with money at numerous stores. I have problems in New Mexico with federal agents illegally logging into my bank accounts and changing my passwords having banks hold my deposits or force transactions. I have had many problems with many other bank accounts and prepaid cards.I lost my cash app card and two weeks ago I requested a new one. I received it and activated it without a problem. I went to XXXX XXXX yesterday XXXX XXXX to load {$500.00} onto my cash app card to be able to pay my bills. When I got to the register to load the card the store phone rang and then my cell phone rang with a spam call the clerk slid my card and told me the card issuer denied it. I couldnt understand why being nothing was Wrong with my card or the activation process. I thanked the clerk for trying and immediately messaged cash app. The advocate told me that all he seen was two {$30.00} transactions that were declined by my bank. I told him I was not talking about those charges because someone stole my card information which lead the bank to cancel my card as I was awaiting a new one. I attempted to go to 6 different stores and load my cash app card as I have bills that are due my car insurance being the most important. Every single store even XXXX told me that I couldnt load my card. I then knew that federal agents had everything to do with the problem and that the ringing of the phone at the store was to get my card number and purposely deny me of loading my cash app card to pay my bills. The same thing happened to my XXXX prepaid card. I then got very angry because my car insurance is set to expire on XX/XX/2021 at midnight when I messaged cash app again they sent me a message saying currently Youre not able to load YOUR CARD at a store. Why would I be the only person unable to physically load my cash app card? Thats unfair business practices Ive done nothing illegal with my cash app or to cash app. Why they would only apply this to me is beyond me. They then proceeded to lie to me and tell me that in my state loading of cash app cards is not available. When I have loaded numerous cash app cards in New Mexico. I recently changed my social security Direct deposit to come to my cash app account because XXXX was participating with federal agents to do the same thing that now cash app is participating with federal agents to do which is unfair business practices and violations of my constitutional rights. Federal Agents didnt have a warrant that prevents me from using our loading my cash app card so why cash app complied is unknown.
Product: Student loan

I had called them back in XXXX. They stated I was to pay XXXX or more a month. I filed for forbearance forgiveness. Sent them my information on what I made. I am retired and My Monthly payments isnt no where the amount! 
They wanted me to fill out forms and send all my information to them. 
I had talked to them numerous times and one would tell me I would be good with no payments and them someone would call me and state I owed them over XXXX and they denied me. They keep on harassing me on the phone. I have paid Ed Financial for many years and when Covid-19 came. I couldnt my pay was reduced cause of XXXX. Please help me. They are calling me every day!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate thi account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$1000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments. I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed item. I request that you investigate these accounts promptly and make the necessary corrections. 

Below is the account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express offers a XXXX XXXX Credit Card which I have had for about 8 years. If the card holder has {$30000.00} or more in spend a year XXXX XXXX 's are posted to the cardholder 's Delta Skymiles account. So far this year ( XXXX ) I have over {$37000.00} in spend on my XXXX  XXXX card, yet Amex and XXXX  only show around {$23000.00} in spend. The reason is a company ( XXXX XXXX ) charged my account around {$14000.00} in error in late XXXX. The charges were backed out by XXXX XXXX in XX/XX/XXXX. As a result, Amex only shows {$23000.00} in spend for XXXX. Obviously, at least to me, reducing my credited spend for transactions that were made to my account without my authorization and were removed is unfair to say the least. On XX/XX/XXXX, I contacted Amex through their online chat and after 15 or so minutes was told this was XXXX  's error not Amex. I knew that was not the case so I called Amex 's 1-800 number that same day. The customer service rep told me that was not the case and he would open a dispute for me explaining the problem and I should receive an answer in 48 hours. I have checked daily and there is no open dispute on the Amex website and Amex has not contacted me. I guess they hope I will give up. I would prefer Amex to handle this but apparently their customer no service will not help me get his corrected. Maybe you can.