23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am writing to you in great distress regarding the theft of my Financial Aid direct  deposit. Unfortunately, on XX/XX/2018, I discovered that my account had been emptied out by someone in Florida. My Financial Aid had been stolen in the following amounts : XX/XX/2018 XXXX- {$500.00} XX/XX/2018 XXXX- {$880.00} XX/XX/2018 XXXX- {$1000.00} XX/XX/2018 XXXX- {$500.00} I immediately contacted the Customer Service department to XXXXxplain that I had unauthorized charges.I was asked to authenticate my identity and I was then told that my telephone number and email account had been changed. I told the representative that I had not called in to change anything. Furthermore, I had not been in Florida or used the card. 

After many transfers, several representatives, and repeated accounts of me saying, " It was not me '' -I was told by another representative that it would take more than 45 days to come to a resolution. I was very perplexed because I know that any reputable bank would not only replace my stolen {$2900.00} as a provisional credit, but would also mail me out a new card within two business days ; while conducting an investigation. I accepted the answer and hung up.

I decided to call back because I needed the Declaration of Fraud notice to make a police report and contact my school. I was told I would receive it via email within two days. A few hours later, a Fraud representative from Bluebird American Express called to say that I would be contacted by someone, shortly. The representative explained to me that it was now considered an account takeover case. Well, no one contacted me but I did receive an email on XX/XX/2018 stating : Recently you inquired about your charge ( s ) from your American Express Prepaid Card in the total amount of {$2900.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore the transaction ( s ) is not eligible for credit to your Account. 

You have the right to review any documents we relied upon in making our determination. 

The email requested that I write to find out what evidence Bluebird gathered to make the denial. Not for me to appeal the decision. Although the following can be proven : * I was at the Hospital day and night in the ICU department by my grandmother 's side. Her doctor 's and nurses are willing to write me a statement. From XX/XX/2018 to XX/XX/2018. 

* My phone call log shows that there was no call from me to the Customer Service department on XX/XX/2018, the date my information was changed fraudulently. Not to mention, all calls are recorded and in the past I accessed/changed my account via the internet. 

* XXXX and XXXX have cameras, so it would be easy to determine that I was not the one using the information. 

* My spending history over the past four years with Bluebird compared to a day. 

* I called the non-Emergency number to file a police report.
Product: Vehicle loan or lease

I refinanced two vehicles under one company XXXX Innovative Loan Servicing Company ) in XX/XX/XXXX. This company that I choose from online to help refinance my two vehicles ( XXXX XXXX XXXX, and my XXXX XXXX XXXX ). The company placed both vehicles under two separate accounts. XXXX XXXX XXXX : Account # XXXX * XXXX XXXX XXXX : Account # XXXX. Both vehicles were being paid as agreed. Then I decided to sell my XXXX XXXX back to the ( XXXX XXXX Dealership ). 

The problem occurred with XXXXnnovative Loan Servicing Company was when it was time to reach them on the affairs of selling my vehicle. I came to see that their company was very horrible to deal with and they lacked the customer service/ services. I had to speak to several individuals including emailing them a couple of times in request for a payoff amount. Finally, after 4 days of trying to reach someone with their company to help me obtain a payoff amount as of XX/XX/XXXX. I was then able to conduct business with the dealership. The payoff amount {$38000.00}. The dealership offered to buy my vehicle for {$29000.00}. On XX/XX/XXXX I withdrew {$9000.00} and gave to the dealership the casher check of the amount withdraw. Giving the grand total : {>= $1,000,000} on XX/XX/XXXX. The dealership submitted that money over to Innovative Loan Servicing Company the same day. 

20 Days later : I discovered several inaccurate information on my credit report from Innovative Loan Servicing Company. I immediately wrote and contacted the company. The company said I owed {$130.00} more dollars which they claimed that the payoff was only good for XX/XX/XXXX. At the time I didn't think much of it, so I paid {$130.00} on XX/XX/XXXX after speaking with the companies representative. 

On XX/XX/XXXX, I begin to look over all my Finances for the last 6 month. I discovered that the company Innovative Loan Servicing Company is charging me another {$730.00}. This raised my awareness so I looked back at all my information and discovered that the payoff amount was good for 10 days, and I paid an additional {$130.00} which brought the total amount paid {$38000.00}. Now they requesting an additional {$730.00}. This is very alarming! Not only did they scam me for an extra {$130.00} they want more money after this vehicle was sold. This company has shown so many unethical practices and now including fraudulent activities. I have been trying to reach this company by phone, and email. No one is answering, nor responding. 

I'm really asking CFPB to looking into this company because there is some fraudulent activity going on. I am very upset that companies are allowed to harm people 's credit without sending out legal documents to reflect there information. Plus, scamming consumers for money. This company not only owe me in return {$130.00}, now they're scamming me to pay {$730.00}. As a litigation consumer I personally take fraudulent activities very seriously, and this company has shown me on numerous accounts that they're practicing illegal operation/ services.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many times do I have to tell the Credit Reporting Agencies that the references for the late payment on these accounts are erroneous and misleading causing negative impact on my file? I previously sent a letter to Experian requesting the investigation and correction of the accounts and yet they have done nothing. Experian is obliged to investigate and update this account per consumers requests under the FCRA regulation. The 3 credit bureaus must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. Once again, I am requesting that Experian take their time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited a check of {$3400.00} into my chase account on XX/XX/23 but then suspended my account on XX/XX/23. XXXX did this without notifying me or trying to resolve it. Now my check is still on hold in my closed account and I cant get it because chase cant verify the maker of the check even though all the information is on the check. I even gave them other numbers associated with the company but none of the numbers register in chases system. I was also trying to inform chase that the check is under my maiden name and I have documentation to prove that. They were very rude on the phone and refused to help. Made me feel like a criminal. Its XX/XX/23, over a month and XXXX is still holding it. I need help please.
Product: Mortgage

The servicing of my mortgage was transferred to Bayview Loan Servicing XX/XX/XXXX. The loan is a 10 year interest only note that originated XX/XX/XXXX, with the interest only period beginning XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX Bayview sent me a notice stating that the interest only period of the loan had expired and payments were now required for principal and interest. I contacted customer service and notified them of the error in servicing, the customer service representative reviewed the note and amortization schedule and created a case for review agreeing that the loan was still in the interest only period. On XX/XX/XXXX, I received a letter from Bayview providing all of the supporting documentation with the section stating the interest only period started on XX/XX/XXXX, then concluding that the XXXX period interest only period has expired. I have spoken with multiple supervisors who have all committed to resolving the issue, but the issue has not been resolved. It is hard to believe that this company can stay in business with the demonstrated level of incompetence, which brings the concern that they are in fact maliciously mis-servicing loans to fraudulently force people out of unfavorable loans for the servicer.
Product: Mortgage

After years loan modification has damage our credit, we have been stressed out, ,and we g ot 4 time transfer our  lender, mortgage servicing from   XXXX   XXXX   to   XXXX     XXXX  and to   XXXX   XXXX   XXXX  , we paid  three months trail mo dification from  XXXX / XXXX / XXXX  through  XXXX   XXXX  with all hope and affordability modification after al l required trail mo dification to   XXXX   XXXX   XXXX   XXXX   {$34000.00} we have not received affordably modification an d sale our loan to new mortgage services,  Shell pint mortgage servicing.we believed th ey are violated the Californi a law because the collected the money after 5 years expired statue limitation, my account due dat e start  XXXX / XXXX / XXXX  than lender collect  the trail money  start  XXXX / XXXX / XXXX  than we never received an affordable modification.   Now our loan trans fer to Shell point servicing Inc. ne w mortgage servicing. we start over and submitted all new modification required by shell point mortgage servicing.   we got Denied by shell point servicing inc by using our pass income not present income.   we need loan modification affordable rate and term.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX claim my credit account was 30 days pass due when their company policy states that if I paid my account in full, they would mark my account current and any late payment would be removed. I have already spoken to the company about the matter and they refuse to remove the late payment despite their current policy to do so
Product: Credit card or prepaid card

i got a notice on my credit report that someone was trying to open a card in my name. they were denied because they had the wrong address. i called the credit card company to report the inquiry.
Product: Credit reporting or other personal consumer reports

I have aliases that do not belong to me. My address isnt updated. I contacted XXXX  XXXX and there are cards that are not on my report. And the XXXX account is not mine. My only name should be XXXX XXXX and my address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, United States. And my phone number is XXXX ( XXXX ) XXXX
Product: Credit card

Company has failed to disclose information pertaining to interest due, fees assessed and monthly statements or notices. Company also fraudulently responded to CFPB by stating that communication was submitted to me via mail and email. I have never received an email or direct mail communication from this company to provide me with the requested information. The only communication I have received is attached. I have questioned the fees that were charged to my account each month and for a breakdown to outline how my payments were applied.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found that a company by the name XXXX is reporting an account that isnt my account on my credit profile. The original creditor is said to be XXXX XXXXXXXX XXXX XXXXXXXX. I have never opened an account with either of the companies above. I asked for this information to be validated as MY DEBT. No information has been sent to me verifying that this is my debt. Also, there is no information about this account as far as payment history on my credit report. It says the account was opened XX/XX/2023 and I did not open an account with either of the two.
Product: Student loan

In XX/XX/XXXX, I contact Credit Adjustments after having my wages garnished {$140.00} ( i'm biweekly so it was actually {$280.00} a month ). I explained that I could not afford that and my other bills were backing up ( I had already had my car repossessed once because I couldn't afford to pay it ). I was told that I could pay 5 payments of the agreed $ XXXX/month then I would be back to current and my wages would not be garnished anymore. I would then go on a $ XXXX/month plan and credit organizations would be notified and so would my work. It was my understanding the payments were consecutive and I should be done in XX/XX/XXXX. I even confirmed with this woman on my case and she said " yes, that's what that meant ''. I continued with the wage garnishments with the understanding they would end fairly soon. 

In XX/XX/XXXX, I noticed they were still taking the full garnishments and I was told the person I spoke to previously hadn't told me the truth and it was 5 monthly garnishments NOT based on every paycheck so I would be done by XXXX instead. This is when I was officially signed on to the repayments and {$10.00} were taken every paycheck. On XX/XX/XXXX, I called Credit Adjustments and spoke to someone 4 times that day ( I have record in my phone ) and they told me that I just had to get to the week of XX/XX/XXXX and I would have fulfilled the loan requirements and again they didn't understand why the previous person had told me differently. 

As of my paycheck on XX/XX/XXXX, a garnishment was still taken out. I called on XX/XX/XXXX and was told that the people I spoke to on XX/XX/XXXX had not put in a " stop garnishment '' request for me even though I had asked them to do so when they told me it would end in XXXX. On XX/XX/XXXX I was told that they could NOT refund my money because a " stop garnishment '' request had not been put through and they can only refund after this request is put through and a garnishment occurs. Even though this person admitted that he saw that I had called on XX/XX/XXXX several times. 

I have been dealing with this for 9 months at this point and I get a new story every time I call. I can not afford to continue to do this. I have been late on my car payment several times and this is tanking my credit.
Product: Checking or savings account

On XX/XX/XXXX, I called the customer service hotline and requested a 12 month Certificate of Deposit that I had with the bank, Capitol One, to be closed out in the amount of {$10000.00}. The phone agent gave me the option of choosing an internal transfer to another Capitol One account or a check. Since I do not have a primary bank account with Capitol One, I chose the latter. 


I waited for approximately XXXX weeks for the check to arrive and never received the check. When I called to inquire about the status of the check on XX/XX/XXXX they said they had mailed it out on the original date I requested it to be sent. At that point we presumed the check was lost in the mail and they promised to put a stop on the old check and start the process of sending in a new check or by ACH. This required me to sign an affidavit by email to confirm that I had indeed never received the original check. 


However, on three different occasions ( XX/XX/XXXX, and XXXX ) I had to follow up with them to ask for the affidavit to be sent as it was not arriving by my email. By the third time I had requested that it be sent to a different email account separate from my primary account. I still had not received this information and they kept promising that the affidavit would be sent. 


On XX/XX/XXXX, I lodged an official complaint with Capitol One to protest the lack of receiving an affidavit. While on the phone with them I learned that they would also require 90 days after signing the affidavit before they could reissue a check or ACH as they stated that the original check was still outstanding despite them putting a stop on it and since the check was guaranteed funds, they had to wait out the legal period the check could be active until they could reissue it. That would put the date somewhere into XXXX or XX/XX/XXXX before I could hypothetically receive my money back. 


I protested the matter stating I could not wait 3 months for my check/ACH to arrive, as I need the funds to be deposited now. The manager seemed sympathetic but was unable to help. Now I'm stuck in the position of having to wait for an affidavit that will always somehow not arrive along with having to wait an additional 90 days on top of that to receive my funds. Capitol One has been fairly unprofessional in helping me to resolve this matter outside of one or two people and I am looking to get my money back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and medical fraud. Experian and XXXX ( who exposed my personal information in the data breach ) have left collection accounts on my reports that I have submitted to the police and submitted subsequent reports to both bureaus. They know I am an identity theft victim, yet continue to post the derogatory information from " XXXX XXXX " who also has been reported to the FTC for their actions. The fraudulent information remains on both reports, and I can get no resolution. XXXX gave me no issues about this, did the right thing, and promptly removed the fraudulent information.
Product: Student loan

During XXXX XXXX, I elected to use the direct deposit option to pay my student loans. On XXXX XXXX, XXXX, while checking my payment history for my student loans, I realized my loan balance increased from {$91000.00} to {$96000.00} between XXXX XXXX, XXXX and XXXX XXXX, XXXX despite making regular monthly student loan payments from XXXX XXXX to present. I was unable to find an answer as to why my loan balance increased until XXXX XXXX, XXXX because the information was not available online and my student loan provider, FedLoan, is available by phone only during the work week. While speaking to my student loan provider on XXXX XXXX, XXXX, I learned that when I signed up for direct deposit XX/XX/XXXX that I was apparently warned that direct deposit may take two months to take effect and in case of any missed payment occurring after signing up for direct deposit my loans would automatically go into forbearance and any interest accrued during that time period would be capitalized to my outstanding student loan balance. My XXXX XXXX, XXXX payment was not automatically withdrawn from my bank account even though I signed up for direct deposit the month before, but upon realizing the error on XXXX XXXX, XXXX, I paid the balance in full. I have made every payment on time since XXXX XXXX, XXXX to present. After pleading with FedLoan and attempting to explain that the result of this policy was unfair ( they received one monthly payment less than 2 weeks late and I received nearly {$4800.00} in capitalized interest 10 months after the fact ), I was told that no one at FedLoan would be able to decapitalize the interest from my student loans. I offered to pay FedLoan for the damage that I caused by making my XXXX XXXX payment 13 days late in exchange for decapitalization, but was still told no. I offered to make a payment of {$1000.00} to {$2000.00} dollars on my student loan in exchange for decapitalization, but was again told no. I have several complaints. One, FedLoan should be able to set up direct deposit in a more timely manner. Two, FedLoan did not provide adequate warnings of both the delay in setting up direct deposit or the consequences for missing payment due to the delay in setting up direct deposit. Three, the automatic forbearance leads to unjust results as I did not receive the benefit of the forbearance ( I made all payments except the XXXX XXXX payment on time ) and FedLoan was able to capitalize a substantial amount of interest on to my loan balance.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I was scammed by a fake XXXX and XXXX user selling concert tickets ( XXXX XXXXXXXX ). I sent the account {$1300.00} dollars via XXXX and instantly realized it was a scam. I filed a claim through XXXX and Chase that same morning ( within the same hour ). When I was on the phone with Chase, again within the same hour on XX/XX/XXXX, I asked that since the charge was still pending if the purchase could be cancelled and I was advised it could not since it was through my checking account. The operator assured me that I should see funds redistributed into my account within a week and was not concerned with the legitimacy of my claim ( phone call was recorded and should be taken into account when reviewing my claim ). The funds were no longer pending and taken out of my account on XX/XX/XXXX. I received the funds redeposited into my account on XX/XX/XXXX with a notice from XXXX that my account had been unfrozen. Today, XX/XX/XXXX, I noticed there was another reversal on the claim and they removed {$1300.00} from my account. I was not given a notification from XXXX but rather had to do the research myself and see via tracking an already closed claim ID that XXXX stated my claim was denied for the following reason : Based on our review, we found this transaction is consistent with your payment history. 
As a very consistent XXXX user, the largest payment I had sent in XXXX was {$500.00} to my mom. In fact, over 90 % of my transactions in XXXX were to the same 3 people with majority not exceeding {$75.00}. My profile is very consistent and this information is easy to pull and verify. Based on my use of this app and the fake XXXX account XXXX XXXXXXXX XXXX I simply dont understand how this would be consistent with my payment history and not seen very clearly as a spam account. Additionally, XXXX shows that the payment is not authorized ( see in attachment ) yet in a letter from Chase, they stated that the payment was authorized. This makes XXXX sense. It seems that there was no consistent investigative work to truly understand the situation. Financially, this will ruin me for the next few months. As mentioned, the XXXX account that I sent the money to is clearly fake and yet the profile is still active on XXXX and others have fallen victim to this scammer ( XXXX could simply remove their account and they have not ). 
The lack of visibility, communication, and effort to dismantle this hacker is extremely disappointing both by Chase and XXXX. I have been a Chase customer since XXXX and a XXXX user since XXXX and will not be continuing my services with them after this claim. I have never disputed a charge or filed a claim in the past. Is there absolutely no protection for long standing Chase customers or XXXX users? Does XXXX not vet out and ensure the profiles using their platform are legit and not scammers? I have seen countless pages of people experiencing the same issues that dont get resolved until they go through CFPB.