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

On XX/XX/2022 I made a payment of XXXX one day late and was charged a late payment fee of {$29.00}. This caused my payment to increase for the next month. I contacted Citi customer service and asked if they could remove the late fee as I have always paid my account on time and only fell behind one day due to XXXX issues. The customer service representative acknowledged I had always made my payments and stated he would remove the late fee. I then stated it was for a hardship so would that lower my payment back to the amount I usually paid and he stated yes to pay the amount of XXXX by the due date of XX/XX/2022 and this would resolve my issue. On XX/XX/2022 I made a payment of XXXX. I was then charged another XXXX late fee by this company. I placed another call to customer service. I explained the situation and the information I was given by the previous customer service representative. I was then informed my account had been closed by Citi. I requested to speak to a Supervisor and was transferred to their escalation team. I repeated my story yet again and was told I could not get another late fee removed even though the employee acknowledged I had been given incorrect information by the previous customer service employee of this company. I was offered to go into one of their debt programs as the only solution they could offer. I agreed to enroll in the program and set up automatic payments monthly to pay off my balance. The next month I get an alert from the Credit Bureaus that my account is being reported as over 30 days late which is now impacting my credit score. I place yet another call to customer service and explain this entire story and was informed that they have been trying to work with me and the account being late is my fault because I am not paying the correct amounts. By this point I was now furious as this entire matter could have been avoided had I simply been told back in XXXX by the customer service representative that I would need to pay XXXX instead of XXXX. I again request to speak to a Supervisor, am placed on hold multiple times then told " due to extenuating circumstances no-one is available to take my call and they will get back to me in 24-48 hours. I am filing this complaint as this is poor customer service in my opinion on every level. I have never made a payment 30 days late to this company. I paid the amount I was told to pay and it has been a downhill spiral every since. I am actively paying on this account so that I never have to do business with this company again. A simple XXXX search showed an alarming number of complaints against this company for poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and after checking my credit report I noticed a fraudulent and inaccurate account on my credit report. I am not familiar with this company but they are causing me damages and affecting my credit worthiness and reputation I have attached an identity theft report along with a copy of my driver 's license and social security card for verification Account : XXXX. XXXX XXXX XXXX ( Originally : XXXX XXXX XXXX )
Product: Checking or savings account

I deposited a paycheck I received to my citibank checking account they will not give me money back. I've spent hours on the phone with them and visited there branch three times and it's an hour a half from me. I deposited the check on XX/XX/XXXX through the app and it's been more then a month.
Product: Credit reporting

I have recently disputed some incorrect information numerous times on my Equifax report. 
*XXXX # XXXX XXXX XXXX XXXX *Accounts- XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX Equifax has stated they verified all these accounts but the account details continue to remain inaccurate. 

I do not believe that they are verifying the information with the creditors listed. Each time they just add new information and it still is inaccurate. 
I request to be provided with the dates and ID # of the person at the companies who Equifax claims reported this recent update. This is affecting my ability to get a home loan and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with 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. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Student loan

Navient deceived us disallowing my son to make payments on the loan over the minimum and told him that I could not be removed as the co-signer. Navient told him they could not set up auto payments up out of an account in his name. This has resulted in them reporting late payments without sending me the parent any notice of the delinquency, the account became 90 days past due.. During the life of the loan not one payment came from me or my account ( s ).
Product: Money transfer, virtual currency, or money service

I have repeatedly contacted Mercury support to request a transfer of my business funds to my bank account, but I have not received any response or assistance. Instead of processing the requested transfer, Mercury issued a check and mailed it to my address without addressing my concerns about why my funds could not be transferred electronically.

When I received the check, I attempted to deposit it into my bank account. However, due to restrictions and endorsement requirements, I am unable to use the check to access my funds. I have reached out to Mercury support multiple times, but they have failed to provide a resolution or even respond adequately to my concerns.

This situation has caused a major disruption to my business operations, as I can not access my own money despite multiple attempts to resolve this issue with Mercury. Their lack of communication and refusal to assist in transferring the funds through a method I can use is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB investigated my complaint against LVNV Funding, LLC. LVNV Funding submitted a letter to me through CFPB stating they were to remove their entry off all my credit reports. I submitted the signed letter from LVNV Funding , LLC to  XXXX Credit Reporting Agency to ensure removal of this entry as proof. On XX/XX/2019, I received my dispute results from XXXX and the status remains unchanged. According to the XXXX  results, LVNV Funding, LLC sold this debt to another company. They DID NOT remove the entry from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX MD XXXX To whom it may concern : Per 12 CFR 1016.4 Initial privacy notice to consumers required, ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party.

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time.

I am opting out of your Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802. I am opting out of your reporting services to XXXX, Equifax and XXXX. 

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

We had a Presidentially Declared Disaster on XX/XX/2024 in XXXX XXXX, XXXX  which is FEMA Disaster # XXXX. My home sustained extensive flood, wind, water, and mold damages all VERIFIED by a FEMA INSPECTOR. My family was displaced living in hotels and with family and friends, paying out of pocket for everything. I filed a claim with my homeowners insurance and was denied because I do not have flood coverage ( we do not live in a flood zone ). We applied for SBA Disaster loans and was denied because our credit scores were a couple points away from SBA Guidelines ( SBA IS A JOKE ). We applied for and received very little help from FEMA, roughly {$7000.00}. We have losses well over {$100000.00} and I can not get any help from the Federal Government ( FEMA, SBA, DHHR ). My family of XXXX have been living off the small amount of Social Security XXXX benefits we receive as my wife lost all her business equipment in the flood and unable to financially contribute. I applied and was approved for a Disaster Forbearance from US BANK temporarily stopping payments. Mortgage Lenders are not supposed to negatively report to the credit bureaus while borrowers are going through disaster turmoil. US Bank is not following these guidelines. They are reporting to the credit bureaus 30 and 60 days lates for XXXX, XXXX, XXXX and XXXX. All these months they are reporting are disaster months. THUS, making it impossible for me to help myself and my family. I have applied to countless Mortgage Lenders for a Cashout Refinance, HELOCS, and home equity loans to get funds to repair my property and catch up our many bills. NO LENDER WILL LEND TO ME BECAUSE US BANK IS WRONGFULLY NEGATIVELY REPORTING LATE PAYMENTS. ITS IMPOSSIBLE TO GET ANY MORTGAGE LOAN OR REFI IF YOU HAVE MORTGAGE LATES SHOWING ON YOUR CREDIT REPORT FOR THE PAST 12 months.
Product: Mortgage

Please help!! My name is XXXX XXXX and I obtained a mortgage with XXXX XXXX in XXXX of XXXX for {$140000.00}. It was sold to XXXX XXXX where a remodeling cash-out occurred increasing the balance to {$180000.00}, then sold to Bank of America when the balance was {$170000.00}, now XXXX with a current {$220000.00} balance. 
My current complaint is with Bank of America who purchased the mortgage for {$170000.00} in XX/XX/XXXX. Due to a hardship, I missed payments and also filed bankruptcyXXXX  XXXX, my balance was XXXX at that time. 
Bank of America completed a loan modification in XXXX of XXXX when my balance was {$170000.00}. 
At that time a " misc ' posting was listed in the amount of {$18000.00} on XX/XX/XXXX increasing the balance to {$190000.00}. Then there was a " principal adjustment '' posting of {$32000.00}, also on XX/XX/XXXX increasing the balance again, totaling a new balance of XXXX XXXX.Additionally the terms of the mortgage was restarted at 30 years after 12 years of payments. 
Not only did this modification make all payments for 12 years ( since XXXX ) null and void, it also increased the mortgage by {$51000.00} which does not include any cash-out, this " new money '' is all noted as miscellaneous and adjustments. This resulted in an upside down mortgage and me starting over with no credit for previous payments or decline in years of payments completed.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my Equifax credit report that need to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I contacted American Education Services ( AES ) about two weeks ago to ask why I am being ask to pay my student loan when the newly passed Cares Act granted me a six month forbearance. I was told by AES that they are not postponing payments and that the Cares Act does not apply to them. I stated that AES is a federally back loan and its also listed as a servicer on the federal website therefore my payments should be delayed. I was told by the AES that they expect me to continue my payments and if not I risk delinquency. This is unfair and this servicer is probably threatening a lot of customers. Please help resolve this as soon as possible. This is a strain on my family during this pandemic and it seems as though AES is not abiding my the CARES ACT. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was offered a credit card with Barclays XXXX XXXX 's credit card to do a balance transfer with a 0 % introductory offer. I used this offer to pay off a different credit card from XXXX XXXX. The transaction amount was for {$10000.00} with a fee of {$410.00}. 

The transfer was done on XX/XX/XXXX from Barclays to XXXX XXXX. Today is XX/XX/XXXX, and XXXX XXXX has still not received the transfer. 

I have called and emailed Barclay 's several times about this issue. They keep telling me that the payment was sent, but has not been cashed. XXXX XXXX has not received the payment to cash the check. 

On my statement from Barclay 's it says that they sent the check to XXXX. I do not have an account with XXXX. I have asked Barclays to provide proof that they payment was sent. They refused. I have asked for a picture of the canceled check. They refused. I have asked them to confirm what address the check was sent to. They don't know. They have offered no help any time I have contacted them. They are now asking me for payment. 

I have asked Barclays to just cancel the check at this point, and close my account. They are refusing to do both. 

I really need some help for what to do. The balance transfer never happened. What proof do you need from me?
Product: Mortgage

I am being declined for a loan product because of a foreclosure filed on public record on XX/XX/XXXX, which I was not made aware and was illegally proceeded by Wells Fargo. I was in discussion already with Wells Fargo to re-modify the existing loan due to my special hardship circumstance during the Financial Crisis ; and I was already approved by Wells Fargo for a Special Forebearance Plan by XX/XX/XXXX. Wells Fargo illegally proceeded with a Foreclosure filing, while we already had agreement on a loan restructure. I understood in my discussion with various Wells Fargo representatives ( some even violated my rights under FCDPA, which I previously reported to this Bureau but to no avail ; refer to CFPB # XXXX ) that my house would be protected from foreclosure, as I worked diligently and forthrightly during the loan re-modification process with Wells Fargo. 
As this Bureau did not reprimand or penalize Wells Fargo for their prior FCDPA violation against me, I beseech your assistance now again removing the illegal foreclosure that Wells Fargo has filed against me and is negatively impacting my credit history and preventing me to qualify for a home loan. 
It is so unfair, especially as I fulfilled all my loan obligations with Wells Fargo for the previous home loan. Wells Fargo was made whole and did not incur any loss from loan default with me. Even as they violated my consumer rights, with their predatory and illegal tactics during the process when I was re-modifying the loan. I have documented communications with Wells Fargo dating back to XX/XX/XXXX to re-modify my loan. They practiced delayed tactics to avoid working with me. Notwithstanding, I persevered and was approved for a loan re-remodication by XX/XX/XXXX. However, Wells Fargo still filed foreclosure on the property illegally, without my knowledge.
Product: Debt collection

I ordered a phone through XXXX in XXXX of 2021. I cancelled the order a day later and told them I won't be switching to them. Since then, they've attempted to collect money from me for this cancelled order and service, even automatically taking money from my bank account forcing me to go through the dispute process. I've called more than 30 times and have gone to several XXXX stores to resolve this issue to no avail. I'm always told that it's been resolved and they will stop trying to collect debts that don't exist from a noncustomer, and the store manager always verifies with the associate/ supervisor on the phone from XXXX that it is all resolved and my account will be marked and I will be notified of all this by email. Almost a year later, here we are. XXXX is acting like a scam company and it's been abusive. They told me I didn't exist as anything in their system, but they tried to take my money and still continue to try to almost 9 months later. This is an absolutely insane situation that I've never experienced before.
Product: Credit card or prepaid card

After looking over my report I noticed and unauthorized inquiry from XXXX XXXX  dates XXXX on my credit report that I didnt authorize. Please have this incorrect information removed from my credit profile please. Thank you
Product: Checking or savings account

My company informed me via email they are ending their contract with XXXX XXXX. The email said as of XX/XX/XXXX they are ending their relationship/contract they advised us we can reach out to XXXX for our funds after that date. Reached out to XXXX multiple days and was told they was not aware of the ending of the contract for me to reach out to my employer. I reached out several times to HR who told me they will find out more information. I was Laid-off XX/XX/XXXX. XXXX still has not released my funds today is XX/XX/XXXX.
Product: Checking or savings account

on XX/XX/22 I deposited a money order given to me for Sec. Deposit & 1st month rent ( loan ) via my mobile deposit app through Keybank, the following day I receive an email stating it was placed on hold for reasons of doubt of collectivity but that my funds would be available to me on XX/XX/22. I called on XX/XX/22 to confirm the money order cleared I was told the funds were available and that nothing was pending before I went to the bank in person since my account, debit card got restricted. On XX/XX/22 around XXXX I went to Keybank on XXXX XXXX XXXX MA XXXX was told by the teller ( XXXX XXXX ) after she spoke to the fraud dept. for Keybank that they said my account was still on hold until further investigation but no time frame was given and I had no access to my funds. I called the fraud line to see what I needed to do on my end to expedite this matter and get access to my funds, I told them I would go with the person who issued me the money order to clarify that it was legitimate and after he verified with his issuing bank that the funds were deducted and sent to Keybank & that we would bring proof of it, I also brought the money order in-person to the bank twice so they can see it is not counterfeit/fraudulent and was told there was nothing i could provide to them to just wait. I called again today XX/XX/22 at XXXX spoke to XXXX XXXX Fraud Dept ) since it has been 8 business days on hold with no explanation as to why I have no access to my funds or how long it will take and because I have not received any further letters/emails on how long or when my funds will be available or explanation I continue to be given different reasons as to the hold and that I need to go to the bank in-person but every time i go nothing gets resolved and I get the different reasons why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called XXXX, XXXX and equifax to try and get some if not all of my hard inquiries removed because I did not recognize or authorize more than half of the inquiries listed on my report. It has been an issue for awhile now, and I have been trying to raise my credit score for months but it is dragging the score down drastically. In the past year there has been multiple hard pulls on my credit that I have not authorized.
Product: Student loan

Fedloan has bestowed multiple acts of negligence which resulted in excessive charges to my student loan account. After my extensive efforts to motivate Fedloan to correct some of the unethical and illegal servicing practices they inflicted on my account, the balances on my student loan accounts with Fedloan decreased XX/XX/2016. Unfortunately, despite Fedloan 's obligation to inform me of any activity they place on my account, they chose not to inform me of the adjustments Fedloan made or provide me an explanation of these adjustments upon my many requests. I have contacted Fedloan via phone and email on multiple occasions requesting a written detailed explanation describing the amount each individual loan Fedloan services was adjusted, why it was adjusted, and how the amount they adjusted each loan was determined. Fedloan continues to refuse to provide this explanation detailing adjustments made on each individual loan. Additionally, the last account summary statement received XX/XX/2016 which is dated after the adjustments were made is inaccurate. I requested an accurate account summary statement XX/XX/2016 and again XX/XX/2016. Fedloan has failed to provide an accurate Account summary statement. I would like fedloan to stop violating my rights as a borrower and inform me in writing a detailed explanation of the amounts each of my loans were adjusted and why. and an accurate account summary statement.
Product: Consumer Loan

I was charged a late fee when my due date is the XXXX of the month, there is a grace period after that but I was charged a late fee well before payment is due. My original due date was the tenth, it is now the XXXX and do not see why I should get a late payment fee. I '' ve attempted to call in to BMW Financial but they are never open when calling, I need to clarify why the late fee was charged and to adjust a payment I made, the date needs to be changed. However, I first need to clarify the due date is now the XXXX so the account does not go thirty days late.
Product: Credit card

I have an AMEX Platinum card that I spend about XXXX a month of my personal money on. I tried to use the card to go into the centurion lounge on XX/XX/XXXX and found that they had made another person the primary on the card I own. I immediately called them on the morning of XXXX from the airport, after spending at least an hour on the phone with them, and they said they would have it resolved by XX/XX/XXXX or XX/XX/XXXX and call me back. 
They have not resolved this and i have tried. I asked them to pull the application that was submitted for the card and they have not produced it. They sat the account is under XXXX XXXX and My Name is XXXX XXXX. I can not get access to the account when I call because they say the account that I submitted the application for and that I have all the security for does not belong to me.