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

My Payment to Jared Galleria of Jewlery is due on or around the XXXX of each month. My husband and I both have accounts. I pay the payments online each month on or before the due date. Last month, the payment for my husbands account never cleared our bank when I expected it to. I called when I realized and they told me that the payment never cleared but that they could do the payment over the phone free of charge and would adjust my credit bureau from showing past due. I am meticulous about paying our bills and thought maybe I had just not hit the submit button. HOWEVER, today, I looked at my Jared account because my payment had n't cleared yet that I made on X/XX/17. When I pull up my account online it shows that I have a past due balance. Because of what happened with my husbands account last month, this month, I have been recording the confirmation numbers each time I make a payment on any of our credit card accounts to make sure I was n't making the error. When I called today, the CS person, XXXX, advised that they have been having system issues where they payments are not actually going through even though customers have a confirmation number. My concern is that at no time was I ever notified that there was an issue and Jared has not yet disabled their online payment system so there are likely other customers who are being charged late fees, having credit impacted, losing credit insurance protection etc. from having " late '' payments that are solely attributed to Jared 's online payment system not working correctly. XXXX told me that until further notice, we should call in and make payments over the phone. How are other customer 's supposed to know to do that if there has been no announcement or communication to customers?
Product: Mortgage

Bayview Loan Servicing and XXXX XXXX XXXX Mortgage Servicer the Master Servicer HAS VIOLATED SEVERAL BANKRUPTCY LAWS AS WELL AS federal and state laws when providing responses to multiple complaints filed through the Consumer Financial Protection Bureau. Bayview Loan Servicing and its employees provided multiple fraudulent documents including a fraudulent deed with wrong dates. In providing these fraudulent fake documents as authentic Bayview Loan Servicing llc has violated federal and state laws. In providing these multiple fraudulent fake documents in attempt to deceive Bayview Loan Servicing has also failed to truthfully respond to several Qualified Written Request made by us through the Consumer Financial Protection Bureau.
Product: Bank account or service

I 'm very frustrated with Bank Of America my husband checks are deposited by weekly and he has the same amount and they do n't want to process my husbands checks because they said to me the check images were bad but that was completely not true and then they said their is a problem with my husbands boss ' bank which is also untrue and come to find out after a 4-5 days the checks go through and the money gets deposited. I recently started working and they are also doing the same thing to me they do n't want to deposit my money until 4-5 days later during this time my bills wo n't get paid on time, I ca n't buy food because we do n't use credit cards we use our bank card or cash, my family needs to eat and buy necessary items that I ca n't buy and my babysitter is n't getting paid or my house is n't getting paid. I 'm a loyal customer to BOA and I have to pay overdraft fees every other week because BOA wo n't credit my checks to my account my over draft fees are now XXXX and counting last time I paid XXXX which happened daily. I do n't want to leave BOA but will do so if my overdraft fees are n't refunded and my checks are cleared by weekly I ca n't afford to give away my hard earned money to BOA this is n't fair to me or my family or to my bills or things I need to buy and my family is n't happy with me and wants these issues with my checks and overdraft fees resolved as I do. I never been so upset and I want to deposit my checks and BOA wo n't let me all of my coworkers are n't having this problem and my husband who is working for the same employer for more than 2 years never had a problem until XX/XX/2015- and currently. Hopefully you can resolve my issues and BOA starts checking my checks properly and never overdrafts me ever again because of you help. I do n't know what to do anymore and tirelessly called but no care in the world from BOA and feel helpless that 's why I 'm turning to you for help because I do n't know what more I can do if I know this is injustice but BOA does n't properly check their customers checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not allowed me to freeze my credit report at no cost, is insisting on users buying TrueIdentity plan to freeze credit. TrueIdentity does not freeze credit reports.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Closed Account : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

on XX/XX/2022 I made a purchase online on the XXXX XXXX web site and booked two round trip tickets from XXXX to XXXX XXXX XXXX one for myself and one for my daughter in the Amount of XXXX each ticket totaling {$760.00} upon receiving my statement with charges Bank of America charged me a foreign transaction fee for each separate ticket in the amount of {$11.00} each totaling XXXX I was on an American website purchasing tickets for an emergency flight to see my XXXX father in XXXX I was not flying internationally nor was I purchasing anything from the XXXX and charges are invalid. I was told that Bank of America can not remove the fees. The system would not allow them to credit the monies back.
Product: Debt collection

I rented an apartment for my daughter for her senior year at XXXXXXXX XXXX. I signed a 1 year lease from XX/XX/XXXX through XX/XX/XXXX. My daughter graduated in XX/XX/XXXX and I notified " XXXX XXXX XXXX XXXXXXXX XXXX '' that I would not be renewing the lease come XX/XX/XXXX. Mind, during the time their were a couple of months were I was late on the rental payment and the XXXX reached out if I was a day late and until I learned how to use their payment portal, I paid over the phone with a credit card. 

We cleaned out the apartment over the summer of XXXX and come the end of XXXX, turned in the apartment keys to the onsite management office. 

A year goes by and I start getting collection calls and letters from National Credit Systems , Inc. stating that we owe {$3800.00}??? ( Client Acct # XXXX and NCS Acct XXXX XXXX? ) XXXX XXXX ( landlord ) never reached out to me saying that I owed that money! They were real quick in contacting me during the year my daughter was there if I was late on the rent but no reach out after we left. They should have sued me and I would have met them in court! 

This is now on my credit report!!! 

Is there anything that can be done to resolve this?
Product: Student loan

On XX/XX/XXXX, I was attempting to pay my student loans on the Discover Student Loans website. On 3 occasions, when I tried to submit payment, I got a message that the transaction was not successful and to try again. When I looked at my bank account the next day, I saw that {$1000.00} in excess of my loan payment had been taken out from my bank account. I checked with Discover and they had not credited any of the {$1000.00} to my account. 

I have called Discover multiple time to get the {$1000.00} refunded to me. I have even provided them with the transaction numbers and trace numbers from the amounts withdrawn from my bank account. Every time that I call, I am told that they have not been able to locate the funds in their system and that I need to wait. I am frustrated by the lack of urgency on their part, even as I explain to them that I am in need of the funds. As of today, XX/XX/XXXX, I do not have any indication from Discover that they will be able to locate my funds and return them to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/2022 Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing in response to the correspondence received from LexisNexis Risk Solutions XXXX ( LexisNexis ) regarding my complaint, which was forwarded to your office on XX/XX/2024. Despite the thorough review of my case, I am deeply disappointed by the continued inaccuracies and lack of resolution concerning the bankruptcy record listed on my XXXX XXXXle. 

LexisNexis claims that they did not locate the bankruptcy record associated with my identity during their investigation. However, I find this assertion to be misleading and contradictory to the evidence provided. The bankruptcy record with case number XXXX does exist and inaccurately reflects on my consumer reports, causing significant harm to my financial standing. 

Furthermore, the suggestion that I should contact XXXX directly for corrections overlooks the responsibility of LexisNexis to ensure the accuracy of the information they provide to consumer reporting agencies. It is unacceptable that despite my repeated efforts and the involvement of regulatory agencies, this issue remains unresolved. 

I demand immediate action to rectify this situation and remove the inaccurate bankruptcy record from my credit report. Failure to do so will compel me to pursue legal action to protect my rights as a consumer and seek appropriate remedies for the damages incurred. 

I expect a prompt response confirming the removal of the erroneous information from my credit report. 

Sincerely, XXXX XXXX
Product: Mortgage

This complaint is in connection with complaint # XXXX. I have since received paperwork from Ocwen and XXXX Bank that they are trying to foreclose on my house at XXXX XXXX XXXX XXXX XXXX In. The last time I had spoken with XXXX XXXX in Ocwen 's Ombudsman Office, she had said that she was going to check with her superiors to find out what could be done about the {$1300.00} they were saying that I had to come up with before they would start a NEW modification on my mortgage. I was never told or warned about any foreclosure until I got home from work XX/XX/XXXX and found the paperwork! There is also an open case against Ocwen since XX/XX/XXXXof XX/XX/XXXX that I would like to be a part of. Once my case is looked into further, you will find that I qualify and could help the case. Please help!
Product: Debt collection

I paid the debt off via the attorney 's office, XXXX XXXX XXXX XXXX XXXX XXXX XXXX back in XX/XX/2021. I called them and express recovery several times in XXXX and XXXX asking to have it updated on my credit report. The law office said that they " did '' and express recovery sends me to the law office. The law office send me the attached letter showing the debt was paid. I filed 3 separate disputes via XXXX and all of them came back that express recovery said that I still owe the debt so the negative collections on my credit will remain. I need this updated on my credit report as it was paid months ago and Express recovery nor the law office is doing their job well after they go their money. Please help.
Product: Money transfer, virtual currency, or money service

I used Zelle to send money, but the funds were sent to the wrong recipient due to an error. Despite reaching out to Zelle and my bank for assistance, the money was not recovered or refunded. I am deeply frustrated with the lack of support and resolution in this matter.
Product: Checking or savings account

blue bird american express on XX/XX/2020 credited money to my account for a refund then removed it and put the refund on hold that company has done this before without explanation this is fraud!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There were not payment required from XXXX until XX/XX/2020 due the virus ; however, XXXX is showing late payments for XXXX and XX/XX/2020. I was never late and I'm requesting METHOD OF VERIFICATION AND PRECEDURED USED FOR VERIFICATION. PER MY RIGHT.
Product: Checking or savings account

I have continuously tried to no avail to contact the lenders/payors to have all auto debits stopped but they continue to withdraw from my account. I have accrued over 7 OD Fees. I contacted the bank on the XX/XX/XXXX to let them know what was going on and asked for a new account but they did not do it. Instead I was told to file a fraud claim. They have refunded the claim amount but did not refund the OD Fee as a result of the unauthorized charges. My account was charged a few fees as a result. I have since this time accrued another debit from my account and have had my account assessed for 2 OD FEE ( {$72.00} ) on XX/XX/XXXX. If I had a new account number, I would not have been charged the overdraft fees. I should've had a new account on XX/XX/XXXX after I filed the claim with the Fraud Department
Product: Debt collection

I have tried numerous times to contact thid company and let them know there is a XXXX. and a XXXX. And they keep mixing up the two of us i dont know this company i have never signed any contract with rhem nor any of there affiliates
Product: Credit card or prepaid card

Credit card is  the Gold c ard fr om Barclay.      i am a military member and the know this. when i signed up  XXXX   XXXX  for the card it was a 0 % apr and the annual fee were waived for the duration that you are  XXXX   XXXX . this has since change and was done so in a way that does not seem sufficient or appropriate. prior to deployment (  XXXX   XXXX   )  the company changed the policy for new members but and informed me ( when i called to notify them that i would be deploying and using the card overseas ) that i was grandfathered in and had nothing to worry about.  Barclay knows that i am  on deployment since  XXXX   XXXX  to present and that everything that i do is done online or via email. yet they decide to change there policy again and are no longer grandfathering the annual fee for members and provided a letter sent to my home address stating that  XXXX   XXXX  my card with be charged the annual fee. since i received this information via my spouse, i immediately logged into the website, while on   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and attempted to verify that this letter was official or a prank. i had no messages on the web site and no email had been sent to the email address on the account. still concerned that t his may  become an issue for me, I called barclay as soon as i could which was in  XXXX   XXXX  over a month later. they informed me that they had changed their policy and that was it, there is no way to get back.     I believe that this company has used military member to get there card seen by the public. once they felt that there cards had received sufficient publicity they decided to changer there policy. this along with the fact that the only message received from the company about a major policy change was letter mailed to my address, seems fishy to me. i would assume that any well established company would at least post a message on your account and send you an email alerting you to the fact that " a major policy change had been placed into affect, please log on and check your messages and my effect your account ''. All they send out is a written letter to the address. i am not the only military member affected by this policy change. most were not even given as long as i was before they were to be charged. i have  XXXX  officers i  deployed with  who were only given less then 2 months by the time they received the notice.  XXXX  of them never saw the letter because he is single and does not have anyone read his mail while he is  deployed. h e was forced to call the company and found out a few days before he was to be charged.
Product: Credit reporting

several weeks ago i noticed that on my credit report with transunion that the XXXX inquiries that were on my credit report were deleted and now has reappeared on my report. here are the companies that was removed and now has reappeared. XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16. I have called several times and have been rerouted disconnected sent to voicemail. The excuse that i was given is Yes we can delete these inquiries however because your account has a fraud alert we are unable to remove it ( which I have sent transunion a certified letter requesting for them to remove this from my credit file to no avail its still there but thats another issue. Lets just focus on on the removal on the reinserted inquiries ) .. this is what a representative told me from XXXX as well as a XXXX special handling representative. 
Transunion is well aware that they are in violation of the FCRA 611. that advise that notification must be mailed out within 5 business days before reinsertion. I would like these inquiries to be immediately removed. I am tired of being given the run around my next step will be to go beyond the XXXX if this problem is not immediately resolved. Thank you for this attention in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing 2 collections accounts on my credit report from the same creditor, which is a mistake. First the debt is not mind and I have fought with this company so many times over the past year. I have never received any Proof that this debt is my. Proof is my signature. I have asked several times through certified letters beginning on XX/XX/2017. I am showing XXXX XXXX via original creditor XXXX XXXX XXXX XXXX with a balance of {$760.00}. Also, I am showing XXXX XXXX XXXX via original creditor XXXX XXXX with a balance of {$850.00}. I need this corrected immediately. I do not have a debt with this creditor and it is the responsibility of the credit bureau to validate the information that is reported on my credit report.
Product: Credit card or prepaid card

I tried to transfer some AMEX points to my airline. And getting " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. ". Called AMEX customer, and got nothing useful.
Product: Student loan

I have been trying to understand the terms of my student loans from graduate school. The loan originated with XXXX. It was purchased by another bank, then XXXX XXXX and now Navient. When I looked at my account, the interest rate remains the same but now the end date is XX/XX/2032. I attempted to call the XXXX XXXX XXXX and before that this morning I called Navient directly. For both calls I was unable to reach a manager and was informed the agent is offshore in the XXXX. No one can tell me the details of my service loan and it has been purchased many times.
Product: Consumer Loan

I am not the person that they are looking for and they keep calling me.
Product: Mortgage

SPS has dropped the ball on this foreclosure avoidance program. Seller has been trying to do a short sale and SPS never ordered an interior value. They ordered an exterior drive by only which is NOT VALID when trying to do a short sale for establishing actual value of a property. We were told on XXXX/XXXX/16 that an interior value was ordered and expedited and then on XXXX/XXXX/16 we were advised that they do n't know where their interior value order is. SPS is confused and displaying incompetence regarding a financial matter. Sellers are trying to avoid foreclosure and negligence on behalf of SPS is not a valid reason for seller 's home going to foreclosure.
Product: Mortgage

I received a letter from LoanCare stating I had insufficient flood insurance on my vacation property. I have XXXX buildings on my property ( front & rear ). I have XXXX policy numbers XXXX for each building. The policy offers XXXX premium options for each policy. LoanCare paid both premium options on the rear building & neglected to pay the front policy. 
After speaking with 16 different " insurance specialists '' over 3 days for over 7hrs I have received 16 different reasons that I do not have any flood insurance, but I do have a so called WIND policy???? I would like an insurance specialist to understand that the error is from them paying the XXXX premium options on XXXX policy only. I was advised today, XX/XX/2017 that I must pay {$630.00} out of pocket to maintain sufficient flood insurance. If I do not make the payment immediately, Lender-Placed Insurance will be purchased at my expense ... and it will be costly.
Product: Student loan

I requested the " School Misconduct Discharge Application '' from Navient ( who serviced my private loans ), but they said no. They said that because my private loans are already paid-off, those loans no longer qualify. 

This does not change the U.S. Department of Education 's findings that XXXX XXXX XXXXXXXX made widespread and pervasive substantial misrepresentations that borrowers relied on to their detriment. As discussed in more detail in the executive summary, XXXX XXXX XXXXXXXX misrepresentations related to graduate employment rates, graduate salaries, the schools ability to connect students to employers, and the provision of ongoing career services after graduation. 

Because of these findings, all of my Federal loans ( which are still in repayment ) will be discharged, forgiven, and all payments I made over the last 20 years refunded. 

Just because my private loans are paid-off, should not disqualify me from getting those loans refunded as well. They make it sound as if - had those private loans still been in repayment, I'd have a chance at getting the application to fill out - and potentially have a chance at have the private loans discharged and refunded as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX several times first by requests ting validation, then disputing and lastly I requested an investigation. My complaints have been ignored and n if there was an investigation it was not conducted corrected. There are incorrect addresses, charged off accounts showing balances and late payments. I have brought this to their attention numerous times. I have included a copy of the last letter I sent a week ago as well