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

The pre paid card upon opening from the packaging there were 4 digits scratched off of the card. I would have never know this prior to buying the card because the 16 digits are in the package wrapping. I contacted the grocery store I originally bought it at they told me to contact visa. Prior to contacting visa I tried to use it and was unsuccessful because I was moving and need a card on file for a uhaul. After the worst moving experience I was able to get a hold of visa and the transferred me to the bank that issued the card. I spoke with the bank we exchanged my old card information and waited 2 weeks for their investigation to close. A month later my card arrived. The new card arrived with all 16 digits and a letter stating the apology for the complications with the card and delay. I have tried to activate the new card and have been told there is an error with the card. Ive tried to log onto the website and have been unsuccessful in activating the card. I call customer service and no one answers. The number just rings and rings. I have XXXX XXXX dollars on this card and have been ripped off. A business should be responsible for their products especially if its money. I need the card to rent the uhaul now I need the card to buy groceries for me and my son. This is a nightmare please help. XXXX its a visa vanilla gift card
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS AND TAX LIEN APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Mortgage

In XX/XX/2020 I closed on a streamline refinance. During this refinance I wanted to put my husband on the deed of the home. Instead of filing the document to put him on the deed of the home the closing company put him on the Deed of Trust. He is trying to close on a home in Florida, he can not because when they did a title search, they found that he is obligated to the loan on my home in Maryland. He is not even a joint applicant on the refinance. When I called XXXX XXXX, Maryland Treasurer 's office they told me that a new Deed of Trust needs to be filed. I have called the original loan officer, the title company, my loan servicer, the processor, the closer, and back to my loan servicer. I have emailed and I have received no help at all from this company and they are all affiliated. I was told today that the only way to fix this error is to refinance the loan. I need help fixing this error and I am getting the run around. I have called : XXXX XXXX at XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX = XXXX Lakeview Loan Servicing XXXX XXXX XXXX XXXX XXXX My Mortgage company is Lakeview Loan Servicing and the servicer is XXXX XXXX in Virginia XXXX Virginia. 

Lakeview Loan Servicing , LLC XXXX : XXXX XXXX Department XXXX XXXX XXXX Virginia XXXX, VA XXXX Please help me get this resolved.
Product: Mortgage

Our mortgage with Shellpoint Mortgage, Account # XXXX, was transferred to XXXX, effective XX/XX/XXXX. For reference, our new account number with XXXX is XXXX. 

Our final statement received from Shellpoint was dated XX/XX/XXXX and indicated an escrow balance of {$5200.00}. Our first statement from XXXX indicated only {$2400.00} in escrow that was transferred to them. There was also {$560.00} transferred to XXXX, as additional principal, which is a mystery amount. See attachments. There is an amount of {$2100.00} missing. 

I telephoned XXXX on XX/XX/XXXX and spoke to a gentleman, who identified himself as XXXX XXXX. XXXX stated that on XX/XX/XXXX, Shellpoint took it upon themselves, in error, to take out a lender based insurance policy on the property. This never should have taken place, as I had provided evidence of our homeowners insurance to Shellpoint, via email on XX/XX/XXXX and that receipt of that email was confirmed back to me on XX/XX/XXXX by XXXX XXXX, with a copy to Shellpoint Mortgage. See attachment. 

At no point was I informed that Shellpoint was taking this action, nor have I ever seen proof that this insurance policy exists. 

Mr. XXXX states that this was done in error and that Shellpoint will cancel the policy and have a refund sent to XXXX XXXX, which seems to be some company that is related to Shellpoint, as XXXX XXXX is the entity that confirmed receipt of my email in XXXX. 

Shellpoint no longer holds my mortgage and, as this is the second complaint that I have had to make with them to the CFPB, I would prefer that the funds are refunded directly to me and immediately. We are in the process of refinancing our mortgage and it will move away from XXXX within the next week or two.  My fear is that we will be chasing our money between two many entities and, in the meantime, our escrow funds will be short for our upcoming property tax payment.
Product: Credit reporting

There is no final decision. Here 's the thing. I have been fighting with all XXXX credit reporting agencies for years. They are supposed to do investigations. An investigation is more than just contacting the creditor ( which pays the credit company so there is conflict of interest ). Public Record is no longer being used for FICO so that has to be modified. In my Equifax report : Case XXXX The Plaintiff is listed as XXXX County Clerk. This is wrong the XXXX County Clerk is a repository and has been on the report for too long. I also do not work for XXXX - wrong employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Ad Astra Recovery Service reported me to 3 Bureaus. 
I don't know them. 
Never borrowed from them. 
No loan was ever taken from them or any other company on XX/XX/2020 as they claim. 
No demand letter ever sent to my address. 
I don't know this company. Ad Astra RecoverXXXX made a false report as to any loan I took, date I took or even amount I took. 
I never borrowed {$4700.00} from this company.
Product: Credit reporting or other personal consumer reports

To my knowledge, I have not signed any documents authorizing your organization to view my credit history.

Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 
For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone who has stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.

Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my reques
Product: Credit card or prepaid card

Often time my credit card company overcharge or over bill my card and then continue to charge interest and American Express has the highest interest rate in the world on credit cards. During the last two billing cycle namely : XXXX-XX/XX/XXXX and XXXX-XX/XX/XXXX, there are some charges on the bill that i do not recognize and the detail charges does not add up to the total. After I have noticed this issue on the XX/XX/XXXX - XX/XX/XXXX bill, I have contacted American Express online using their chat. 

I would like to mention here that calling American Express is a big trap because, discussion from you first call will be lost during your second call. customers can not email them, but ironically they can email you, which is another trap. 

So, I use on line chat so that I can keep documentation. After receiving the XXXX-XXXX bill I contacted American Express and I explained that I have a billing issue on multiple charges and asked for a dispute number. The person gave me a dispute number which is " XXXX ''. 
I printed the statement from Amex site and sent the with an explanation asking why they are billing more than what is showing up on their site. I submitted some supporting documents as well. Then I received the XX/XX/XXXX- XX/XX/XXXX bill and noticed that no action has been taken on my previous correspondence. More surprisingly, all information was removed. So I again, submitted the documents pointing out the errors and explained why those are errors. Yesterday, ( XX/XX/20 ) I noticed that my 2nd submission was also removed. 
I contacted Amex on line and first I had chat with XXXX. XXXX seems very confused willingly or unwillingly. I asked him about the dispute I have submitted. He said that dispute number related to another dispute. He would not give me a dispute number. I asked him to email me the chat he then transferred me to XXXX. 
I can understand, due to Covid -19, companies are running business with support personnel who are unskilled and have very little knowledge of the business or lack of knowledge of the process. As a result we the customers are suffering. Any way XXXX is playing the same record. I asked him repeatedly that there are multiple errors on two bill but he is not a listened and repeats the text every time. So, I asked him to email me the transcript of our chat he told me that I have use their reference number and he can not email me. That is another trick to cheat consumers. If Amex can make erroneous charges on my credit card, they can change the whole conversation in favor of them. I do not trust them. Luckily, I have a tool and I was able to collect the text our conversation as attached. I am attaching all other proofs that I have submitted to Amex
Product: Credit reporting, credit repair services, or other personal consumer reports

This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! Thus this should NOT show up on my credit report and must be deleted with all three credit agencies.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt collection agency XXXX XXXX XXXX XXXX XXXX has sent letters recognizing the fraud that was committed and has promised to remove the account # XXXX from my credit reports. However Equifax is the only credit reporting agency that has not complied. 

This is greatly affecting my credit score and ability to receive approvals.
Product: Student loan

On XX/XX/XXXX I submitted a student loan payment of {$98.00} to Edfinancial Services web portal for my monthly payment due on XX/XX/XXXX. The webpage informed me that any payment made by XXXX on XX/XX/XXXX would be accepted as on time. I received a confirmation email that my payment was submitted. 
I checked the website again on XX/XX/XXXX and saw that my payment was still listed as " pending. '' Unsure as to why, I paid another {$98.00}, thinking it might have not gone through the first time. Once again, I received an email confirmation for this payment. 
This morning, XX/XX/XXXX, I checked the website, which still lists both payments as " pending, '' and that my payment is " past due ''. Only one of the two payments has been charged to my bank account, and was only posted XX/XX/XXXX, despite me making the payment last week. 

Edfinancial has now listed my payments -- that they confirmed -- as " past due '' and has not responded to any of my inquiries to resolve this matter. I have emailed and used their online chat services to no response.
Product: Checking or savings account

On XX/XX/year>, while traveling internationally, I experienced trouble making a modest withdrawal from a malfunctioning ATM in XXXX, which froze during an attempt to transact. My account ending in -**** was debited for {$250.00}, funds that were never dispensed to me. I have been arguing for the reversal of this unsuccessful debit ever since. I am not in possession of these funds, nor was I ever. 

I reported the trouble to your customer service phone center in short order when I noticed a debit posted to my account that in reality never occured. I was told there was an obvious problem with the ATM machine and a credit would be posted to my account pending further review. 

A review of my account can easily determine that there was trouble with the ATM, as evidenced by the subsequent successful withdrawal at a different ATM for the same amount, {$250.00}. There would be no reason to visit another ATM later the same day to make another withdrawal for the same amount had the ATM on XXXX XXXX  dispensed any funds to me. 

As customer of TD Bank for XXXX years, I would have expected better treatment than to be forced to fight for a bogus ATM debit of {$250.00}. I have already begun moving funds away from TD Bank, and will continue to do so if I am treated this poorly going forward. 

Numerous attempts to resolve this issue with TD Bank have failed. Several emails to the TD Bank " Chairman 's '' group were ignored. I appealed the dispute resolution ( or lack thereof ) when I was told to " refer to merchant ''. This was not a transaction with a merchant, but with an ATM. Given the nature of the transaction, this was likewise impractical.
Product: Credit card or prepaid card

Kohl 's is reporting inaccurate information to the credit bureaus. They are stating that my payment for the month of XX/XX/2019 was late. I contacted Kohl 's on the day after because I got a notification that the payment was late and that a late fee was applied to my account. I contacted Kohl 's and the representative waived the late fee and explained that it is possible that my payment posted late because it was drafted from my bank account late. I asked the representative if this would be reported to the credit bureau and the representative said that it shouldn't. Now I have been disputing this since XXXX of this year and Kohl 's still chooses not to remove the inaccurate information. I have since paid the account off and they are still reporting.
Product: Money transfer, virtual currency, or money service

I endorsed my coupon bonds on bureau of XXXX XXXX form XXXXXXXX XXXX XXXX XXXXXXXX mailed it express mail XXXX XXXX XXXX XXXX XXXXXXXX They confirmed receiving it on Fri XX/XX/year> and stated they would deposit it but XXXX, as of this date it was never done so I assume they kept my funds and put them in a unknown account please help, because all my bills are late with this game they are playing thanks again for all your help. 
PS : my forms were notarized before mailing as stated on forms.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account AMERICAN EXPRESS which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card

JPMORGAN CHASE Slashed almost all of my limit on my FREEDOM card stated that a periodic review my my credit tempted them to take the action and even though i immediately paid off all my debt they wanted to make hard inquiries on my credit before making a a decision to reinstate
Product: Credit card or prepaid card

I contacted penfed to make a payment on my credit card because I could not add my account on their website to make a payment. I spoke to a manager in the credit department who explained that this happened to several members. She said she would expedite a credit bureau dispute which never happened and my credit rating keeps being destroyed by their actions. I waited over a month for penfed to review this and make the necessary changes and they refused. I called in and a woman made the payment for me a made an error which further delayed the payment because it had to go to their back office. If this isn't corrected penfed will be brought to court to have this remedied. I tried to make the payment but they had a system-wide issue and refuse to correct my credit report or handle the fraudulent charges.
Product: Debt collection

I received a letter via USPS on XX/XX/XXXX from XXXX XXXX XXXX. XXXX XXXX XXXX  is a debt collector. Prior to receiving this letter from XXXX XXXX XXXX I had no knowledge of the debt they claim I owe. XXXX XXXX XXXX claims this debt is from my bank, PNC Bank, dated as of XX/XX/XXXX. XXXX XXXX XXXX claims I and my son XXXX XXXX owe PNC Bank XXXX. In XXXX and XXXX of XXXX, I was a victim of identity theft. The person who stole my identity, including my bank data, did so by claiming he could help me manage my money while earning money to pay off debts. He deposited approximately XXXX checks in equal amounts of - I think- {$500.00}. He immediately had me he had me XXXX money to XXXX or XXXX his partners. He told me I would make money by doing so. The very next morning, I checked my PNC checking account only to find I was extremely overdrawn in the thousands of dollars. When I saw this, I first called my bank and went to speak with XXXX at my local PNC in XXXX XXXX, IL. I also notified the XXXX Police Department of the identity theft and filed a report with them. Additionally, I filed notice with the FTC- all on that day. XXXX told me I might have to pay all the debt to my PNC bank, but he was not sure. That day, he notified me that my account had been closed and Id only have to pay approximately {$1000.00} to PNC. I made payments using the new account XXXX set up for me ; I never missed a payment and the debt to PNC was paid in full. I mentioned that XXXX of Ohio included my son XXXX as also owing the same debt. This is odd because I believe XXXX was not listed on my account during that time period. He held and still hold a checking account with XXXX XXXX. 

I do not recognize this debt from PNC because I already paid off the money that PNC determined I needed to pay back. Prior to receiving this letter from XXXX, I was never contacted by PNC or any other debt collectors regarding this debt. 

I am unsure of what to do. It is as if this debt materialized out of thin air. I do not recognize this debt as being mine, and neither does my son recognize it as being his, especially because he banks with XXXX. 

If you could please assist me with instructions on how to deal with this unrecognized debt that XXXX XXXX XXXX claims I owe to PNC Bank, I would appreciate it very much. I honestly do not recognize this debt as being mine or my sons. 

Thank you very much for offering to help people like me. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX mail to : XXXX XXXX
Product: Mortgage

We have repeatedly tried to contact DiTech for a XXXX XXXX. I have done it in the past and they approved it. On XXXX I had an envelope taped to my door from a lawyer stating that my house is in Foreclosure. I filled out all the loan modification paperwork with everything requested the end of XXXX. I put the house on the market hoping to sell before receiving a rejection or acceptance of the loan modification because I can never speak to anyone. They have assigned me a representative named XXXX who never answers her phone and does not accept voice messages. I gave my realtor written authorization to speak on my behalf to DiTech, as I have a job that requires my full attention XXXX, which is the same hours as XXXX XXXX My realtor can not get ahold of her or anyone else about my loan. She spoke to XXXX once and was told that all my loan modification paperwork was turned in and the manager was reviewing. She said the manager would send me a rejection or acceptance letter within XXXX days which I have never received. My home is being sold in an auction on XXXX XXXX, XXXX and I still have not heard anything from DiTech nor can I get a hold of anyone at DiTech. Please help me in finding out if I have been rejected or accepted for a loan modification. I do not know what else to do. Can this company refuse communication with me but still sell my home in an auction? Can the still sell my home in an auction without communicating to me that I have been rejected or accepted a loan modification. I do not know what else to do so my realtor advised me to file a complaint with you. Please advise. Thank you!
Product: Debt collection

Hi, I have a debt collection reporting on my TransUnion consumer report, thats inaccurate.XXXX and XXXX both removed this assount.The company is XXXX, account number XXXXI have no knowledge of this company and its alleged debt.Ive never received any notification in the mail regarding this company and its alleged debt. Ive never heard or did business of any sort with this company.Ive never gave them permission to have my personal information or report anything on my consumer report.I ask that you investigate this matter and remove it from my consumer report immediately, its affecting my livelihood. Can you please ask this company to provide proof of this alleged debt and also provide proof that they followed proper procedure in notifying me of this debt via certified mail. If they cant provide proof, I ask that you remove it from my consumer report.Thank you
Product: Debt collection

I am submitting this complaint because I am being extremely affected by TD Bank. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 
I am sending this letter because I am very concerned. There is a late payment reported on my account on XX/XX/XXXX. I want to explain that I was not actually late. There was a third party company that was supposed to make the payment. 

I realized that I was reported as late, and I decided to contact this company. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter that I have attached. 

Also, by the time of the late payment, I was affected by XXXX. People in home came down with the virus too and due to this I was not checking mailed statements. 


Account : Balance {$100000.00} Opened XXXX XXXX, XXXX, I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 


Thank you.