23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a folllow up to a previous complaint that was closed after the mortgage company responded. That complaint number is XXXX. Truist said that were reworking the escrow after sending me a new mortgage payment of {$1900.00}. XXXX XXXX told me on XX/XX/2022 that was being reworked by the escrow manager and to continue to pay my {$1800.00} and to continue to hold my XXXX escrow payment. It has been one month and despite numerous attempts to contact XXXX XXXX for an update, I have received no response. Meanwhile, I continue to get notices to " assist with my late payments ''. I am paying less that the current amount shows per his direction. This can only be causing more problems. Again, there is no full resolution to this problem and the company continues to fail in communication. I would like to know what options I have. Can I hire my own forensic accountant to fix their problem? Can I hire an attorney? I just want this resolved and would love for Truist to answer to their issues. Not only for me but the countless other complaints I am reading from other Truist customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

After I had cancelled my XXXX, I returned my internet modem but XXXX XXXX is claiming that I never returned it and is rotating {$99.00} worth of debt between debt collectors. I had this issue resolved a few years ago and it fell off my credit report, now it is back on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2020 I sent a validation of debt letter to the company Transworld Systems INC asking them to validate the amount they claim I owe of XXXX and amount is constantly changing on credit report monthly. This company never responded to the validation of debt letter nor have I spoken with this company. They input a comment of being affected by pandemic in which I've never ever had a conversation with anyone in this company. They have also input a notice of dispute on my credit report but still have not validated the debt with me nor have they responded to my letter requesting them to validate this debt. I do not have any contracts of any kind with my signature stating I owe this debt.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

Back in late XX/XX/XXXX, I moved to XXXX XXXX, CA and found a residence to lease at : XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, CA. I found the ad on XXXX and we were planning to stay at the advertised property from XX/XX/XXXX through XX/XX/XXXX. After replying to the ad, the seller, XXXX XXXX, contacted me and we were able to work out an agreement. I was sent a lease agreement with all of the details and was instructed to send payment via XXXX in the amount of {$4200.00}. That amount was sent over XXXX using my Chase Visa credit card, and I was charged an additional {$120.00} bringing the total amount to {$4300.00}. I was asked to send the money though XXXX to the email address of XXXX XXXX, XXXX. The payment was sent on XX/XX/XXXX, which I received a receipt from XXXX XXXX on XX/XX/XXXX. After further investigation, I saw the same property and listing on Trulia.com and contacted the property manager, XXXX XXXX who works for a real estate company called XXXX, and was informed that the owner lives in XXXX. XXXX had never heard of XXXX or XXXX, which leads me to believe that I was involved in a scam. After communicating with XXXX via email, I was told I would receive a refund for the full amount, however, that has yet to be collected. Initially, I reached out to XXXX on XX/XX/XXXX, created a dispute, and was told that I could not be refunded due to the way the money was sent. I was instructed to contact Chase bank and explained the situation to them, and was initially refunded the {$4300.00}. Relieved, I stopped all contact with XXXX and XXXX. On XX/XX/XXXX, I was re-billed the entire amount and I immediately contacted Chase. I was told that Chase did not have the required documents to support my claim, so I faxed in supporting documentation on XX/XX/XXXX. This included rental receipts, a signed lease agreement, email correspondence with the sellers, text messages, and a letter describing my situation. I was told I would have a response within 30 days. Chase dated a letter to me on XX/XX/XXXX that their " latest review confirmed that the charge is valid because our ability to successfully pursue a refund depends on how well we can document our case against the merchant '' and was denied the refund. I immediately called Chase and was instructed to resubmit all of my paperwork with a new letter explaining the situation and another department would investigate the charge. I resubmitted the paperwork via mail in early XX/XX/XXXX and received another letter dated on XX/XX/XXXX confirming their initial findings. I never stayed at this property, nor met the sellers that had advertised it on XXXX. I have submitted a complaint with the federal trade commission on XX/XX/XXXX and have yet to hear back. I paid for a property with my Chase credit card through XXXX and never received a product.
Product: Credit card

We bought a bed at XXXX in XXXX, XXXX We filled out an application for XXXX separate credit cards with Synchrony Bank . XXXX was approved at {$5500.00} and the other XXXX approved at {$2700.00} for the full purchase price of {$8200.00}. The transaction was all charged to the XXXX card approved for {$5500.00}. We have called the store 8x and customer service 8x to have to charges corrected to reflect on both cards. Synchrony bank will not fix the transaction. The store says they ca n't either. The transaction shows on the monthly statement as all being charged to XXXX credit card. It shows the card is being utitlized 141 % of the credit allowed. The transaction has destroyed out FICO XXXX points negatively. They will not correct the problem to put the charges on both credit cards.
Product: Checking or savings account

My bank account has been frozen or blocked without proper notice. The account was frozen on XX/XX/XXXX. I called the bank and was connected to the fraud department. They instructed me that they could not access the account, there was nothing I could do, and to call back in 48 hours. I called back on XX/XX/21 and they told me the same thing. I worry my account has been closed without any notice, and I will suffer inconvenience and costs by not having access to my account. The bank has not given me information on why my account has been frozen, nor anyway to contact those in control of my account. I have received no communication from the company with regards to this issue. No mail, e-mail, or phone calls.
Product: Student loan

Navient calls 4-8 times per day starting at exactly XXXX and ending at around XXXX. They have refused to offer an affordable repayment plan and have denied me a forbearance request during a layoff period. A previous forbearance request over a year ago was met with a XXXX " fee '' due at the time of the request.
Product: Credit card or prepaid card

Barclays AARP Travel Rewards points were taken from our account on their website several times.Also account information such as address, phone numbers, email addresses and banking information changed. Rewards points were deposited into accounts that were not ours. This happened several times. We have never used their online service so dont know how someone was able to go into our account and keep changing information. 
Dollar amount taken from our account.. XXXX{$800.00} in XXXX XXXX, {$60.00} in XXXX XXXX, {$93.00} in XX/XX/XXXX, {$65.00} in XX/XX/XXXX XXXX  for a total of {$1000.00} stolen from us. When we first reported the incident in XX/XX/XXXXXXXX  Barclays said it would take about two billing cycles to get our points back as well as having us place a verbal password on our account but our points continued to be stolen. Each incident we have asked when we will get our points back and are told maybe another 2-3 weeks. I have spoken to several managers and am always told that they would escalate my issue. We just keep getting the run around and have been more than patient with them and I feel 7 months is more than enough time to get our points back. Account is supposedly locked right now but someone was still able to get access into in XXXX. They have done nothing to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to XXXX on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from XXXX regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} The above account contains inaccurate evidence that is causing prejudice to my credit reputation. The reported balance of {$420.00} does not correspond to the lower amount that I remember. I request XXXX to revise the Past Due information, as it is not accurate to present a Past Due amount for a closed account that was charged-off. This account has likely caused a drop in my credit score. I need to reach an agreement with my creditor regarding the incorrect data. I kindly ask XXXX to mark this account as disputed to prevent further negative impact on my credit score. 


Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} The above account does not belong to me, and I request XXXX to remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} The above account does not belong to me, and I request XXXX to remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} The above account was never late, contrary to the information on my credit report. I kindly request XXXX to correct/update this inaccurate information on my credit report.
Product: Checking or savings account

Wells Fargo on a couple occasions was called for a stop payment on my account but did not stop payment and I was charged overdraft fees so I would call into Wells Fargo and open a claim for it to be resolved but was never awarded back the overdraft fees that they took when they realized I called in for stop payments because the company was not supposed to bill me but did
Product: Vehicle loan or lease

I leased a XXXX XXXX from XXXX. At the end of the lease I extended the lease for XXXX month and made a payment for the extension. Ended up happening the payment didnt go through and XXXX XXXX a XXXX day late on my credit report which is causing alot of heartache. I do have a payment confirmation from XXXX which is XXXX 's payment platform that a payment was made. and I did write a letter to XXXX to remove it. I havent heard from them.
Product: Mortgage

In XXXX, in response to cfpb complaint XXXX, Specialized Loan Servicing promised to send a refund check to me for fees they collected improperly after taking months to reply at all. 

No refund has ever been provided. So they don't keep promises to the CFPB either!
Product: Debt collection

Received notification of newly added collections account on XXXX XXXX from Midwest Recovery stating that I owed {$1300.00} to fictious original creditor XXXX XXXX XXXX XXXX. The account was opened with Midwest recovery XXXX XXXX does n't even include the original date they claim I received a pay day loan from the fictious XXXX XXXX XXXX XXXX company. Never once did I receive any written communication requesting that I confirm the debt in question. If the debt or account truly accurate my current address should have been in the file when transferred to Midwest Recovery for collections. I 'm more concerned that this another fraudulent account due to the theft of my identity in XXXX. This new claim has been posted on all three credit bureaus and has significantly dropped my fico score. Until then I will continue to dispute this company and how they conduct business illegally. They have violated the FCPA with there illegal reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My installment account with XXXX XXXX XXXX XXXX ( XXXX ) for {$50000.00} that was opened on XX/XX/2019 is reported in the condition as derogatory by Transunion and XXXX XXXX reporting agency. Also in the comment section, the loan is reported as dismissed. When in fact this loan has been refinanced and " paid in full '' or paid as agreed. I contacted the lender and I have attached a letter from XXXX stating the loan is not being reported as derogatory.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Mortgage

I believe that the CFPB has prematurely closed my previous complaint XXXX Wells Fargo 's response was incomplete and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate account information. The XXXX student loan account information on my Equifax report still reflects a balance and has not been updated in months. The XXXX student loan account has been paid in full.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I made a {$400.00} payment to my installment loan that was rejected by my bank, I believe I typed a wrong number in. After receiving a late notice, I called on XX/XX/XXXX and made a payment in the amount of {$720.00} which the representative said would be my payment that would cover both my XXXX AND XXXX payments in full. And that my next payment due would be {$390.00} on XX/XX/XXXX. On XX/XX/XXXX I received an email that my XXXX payment was late and that I owed {$270.00}. The representative then told me I owed {$150.00} to bring XXXX current. After speaking to the multiple people I was transferred to a supervisor named XXXX who took the time to review my account. She stated that the XXXX payment was not allocated correctly and that nothing was posted to XXXX. Stated she put in work item # XXXX to correct the issue and that I would be paid in full for XXXX and my next payment due would be XX/XX/XXXX. On XX/XX/XXXX I received another notification that my account was past due. I called and was told that I owed {$150.00} for XXXX and that the work item was rejected because it was not the right amount to pay my account in full for XXXX. I spoke with several unhelpful people who could not understand the original issue. I did not owe the full {$390.00} in XXXX because my XXXX payment additional principal was instead posted towards XXXXXXXX XXXX payment. Several representatives stated they could not give me a copy of my XXXX statement to show what my payment due was because they do not keep copies of the statements that get mailed to customers. There is no online access for this type of account at BMO. I paid the {$150.00} payment on XX/XX/XXXX to payoff my XXXX payment. My XXXX Payment was then only {$270.00}, which makes no sense and none of the representatives could tell me why my payment was not the correct amount of {$390.00}.
Product: Credit card

I contact Citi card daily from XX/XX/year> until yesterday which would be XX/XX/year> they continues to say nothing. I mean its just a vicious vicious circle. They are not gon na give my interest back. They keep messing around with me and I repeatedly told them that I was going to call and file a complaint please please please do not get involved with Citibank.
Product: Checking or savings account

Unjust Denial of Identity Theft Claim and Unreasonable Process by Chase Bank I am writing to express my deep dissatisfaction with the handling of my identity theft claim by Chase Bank. On XX/XX/XXXX, I discovered that my account was locked when my XXXX XXXX transaction was denied at a subway station due to fraudulent activity concerns. Despite confirming with a banker that the displayed transactions were legitimate, I later found 38 unauthorized charges totaling over {$9000.00}, all processed within a single day. These transactions, conducted by various XXXX XXXX recipients, ranged from {$33.00} to {$300.00}. 

Promptly on XX/XX/XXXX, I reported the fraudulent charges over the phone and was assured that I would not be held responsible for unauthorized transactions. However, when I followed up on XX/XX/XXXX, I was informed that the investigation was still ongoing. Shockingly, on XX/XX/XXXX, I visited the bank seeking information on the progress of my claim, only to be told that my claim was denied. The reason provided was that I had supposedly validated one of the transactions, a claim I vehemently dispute. 

My objections are as follows : Lack of Notification : Chase failed to inform me promptly when the case was closed and denied. According to the information I received, they claimed they were not obligated to notify me. This contradicts the assurance I received during my initial phone report that I would be kept informed of the investigation 's outcome. 

Unreasonable Requirement : The bank contends that if I validated even one of the 38 charges, I forfeited the right to reclaim my funds. I find this stance illogical and unjust, especially considering the circumstances. During my XXXX XXXX XXXX, I was sleep-deprived, making it highly unlikely that I intentionally validated fraudulent transactions. 

Ethical Concerns : At no point was I informed that my statements might be used against my claim. This is not a court proceeding ; it is a bank, and I was merely seeking access to my funds. Chase, in its commitment to protecting users from fraudulent charges, should align with its users and uphold the " Zero Liability : Get reimbursed for unauthorized debit card transactions when reported promptly '' policy as advertised on its website. 

Inconsistencies in Process : The claim, as per Chase 's website instructions, did not appear on the website or app, whether as an open or closed claim. This inconsistency raises questions about the transparency and reliability of the bank 's claims process. 

I request an immediate reevaluation of my case, considering the aforementioned circumstances. I trust that Chase will rectify this situation promptly, adhering to its commitment to protecting customers from unauthorized transactions. I also urge the bank to review and improve its claims process to ensure transparency and fair treatment of its customers. 

Sincerely, XXXX XXXX