23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The vehicle was deemed a total loss back XX/XX/XXXX. XXXX. The insurance company paid out a settlement to the finance company and GAP coverage paid the rest. The consumer reporting agency keeps reporting the account and says the the account is 30 days late when the account was never late and the payments went through and processed. I have the total loss settlement, the contract regarding the car all documentation.
Product: Mortgage

In XXXX of XXXX, my son was being treated for XXXX. I called the mortgage company, Planet Home Lending, and advised them that it would be difficult to make a payment because my son was sick. I asked the mortgage company if they offered any kind of service that allowed me to make a reduced payment that month. 

They told me that I should not worry about anything, because I could simply make a double payment the next month and everything would be ok. The next month, when I attempted to make a double payment, they told me that they were no longer accepting my payments because they had placed me in foreclosure. 

When I advised them that someone told me to simply make a double payment, they told me that they would no longer accept my money, and that instead I should apply for a loan modification. 

They sent me the paper work, but everytime I submitted it they returned it to me saying that documents I had already submitted were missing. In the meantime, I was served with foreclosure paperwork. 

When I called Planet Home Lending to inquire about the foreclosure lawsuit, they told me it was nothing to worry about. Planet Home Lending said it was all taken care of for me and that I should not attend court because there would be no foreclosure. 

I continued to attempt to make mortgage payments and to finalize the loan modifications, but Planet Home Lending refused to work with me. On Thursday, XXXX XXXX, the mortgage servicer foreclosed on me and set a sale date for XXXX XXXX, XXXX. 

This is a XXXX loan. The servicer refused to work with me. They purposefully lied to me. They told me to not attend court. They refuse to handle my loan modification properly. I have sick child, and I can afford my mortgage, yet they are refusing to work with me and are attempting to sell my house.
Product: Checking or savings account

Roughly 4 years ago, I was a victim of check fraud for {$400.00}. In my freshman year at XXXX, a XXXX  teenager asked me to deposit a check for them so they could collect their first paycheck from their new job. Being young and wanting to help someone, I deposited the check to assist them. After finding out this is a common fraud, I worked with XXXX to correct the issue and had my account closed. The personal banker told me that after a year at another bank I could return. 4 years later, I wanted to open a new account after obtaining my XXXX XXXX from XXXX to build back my checking history. I was told despite never receiving formal writing that my relationship had ended and essentially received a lifetime ban for being a victim of a {$400.00} scam at age XXXX. After being on hold for over 8 hours over the course of 2 days, the decision was reversed and I was able to open a new account. However after funding the account with {$1000.00}, I was locked out due to suspicious activity. 1 week later and over 10 hours of calls, I am unable to access my online account, withdraw my funds, or speak with anyone to inquire about my new account or the considerable funds locked inside. If being banned for life after being a victim of fraud for an immaterial amount with no disclosure or writing was bad enough, Chase has decided to play phone call ping pong with me, separating me from a balance more than double the {$400.00} they chose to end the relationship over. Terrible customer service may not be illegal, but making life impacting consumer decisions without proper documentation and notice and refusing to serve a new customer with over {$1000.00} feels comparable to fraud and theft.
Product: Mortgage

I have requested a short payoff approval letter for {$60000.00}. This is the second mortgage on my property. Two months later the mortgage company has not responded with a payoff approval letter so that I can refinance this property. The second mortgage is delaying my efforts to refinance my property.

The second mortgage, Ditech, is putting me in danger of the making the bankruptcy court to eventually sending the property to a foreclosure upon and sold at an auction sale. My attorney has informed me that the second mortgage will not receive any money from the foreclosure auction sale if this happens. 

I need a response from Ditech Financial LLC if it is going to give me a short payoff approval letter that it is accepting the {$60000.00} as soon as possible. NOTE : Ditech needs to communicate with my attorney, XXXX XXXX or the mortgage finance company representative, XXXX XXXX ( XXXX ) XXXX, to let them know if Ditech will be giving me a short payoff approval letter.
Product: Mortgage

I purchased the property XXXX XXXX XXXX XXXX XXXX, MO XXXX on record, XX/XX/XXXX, with XXXX XXXX County, MO with DAS Equisition. The loan was transferred during the purchase grace period to Caliber Home Loans with no payments on record or due at the time of transfer. Caliber Home Loans has a Partial Loan Deed of trust as loss mitigation on record for the property, dated XX/XX/XXXX, and has refused to provide financial documents on the payment history of my loan during the time of their holding. Caliber Home Loans had already sold the loan according to records of the XXXX date. 

Caliber Home Loans has changed the dates on late credit reporting, the partial deed of trust and signature, and the timeline of my payment history, which Caliber Home Loans states are correct. The above-mentioned documents are all different timeline dates. If Caliber Home Loans refuses this final time to present detail financial records of the loan during the time of their holding, remove the late marks on my credit reports and refund the amount owed to me, I am prepared to follow the next step of legal action.
Product: Debt collection

I checked my credit report and I noticed that there was collection account on my credit report. It is fraudulent and I do not know where it comes from. I contacted the company several times asking for accurate validation to no avail. I need to see signatures I told them and where this account originated from and still nothing yet. I will be contacting the consumer attorney if this issue is not resolved ASAP. Attached is my affidavit of identity theft paperwork that is notarized as well. Credit Management LP has stolen my personal information and placed a collection on my account. According to the FCRA, this item must be removed from all three credit bureaus when resulting from identity theft.
Product: Credit card or prepaid card

Even though it was working flawlessly when I first used it, when I try to use my Vanilla gift credit card on their website to check the amount again, I get a message saying there was a problem and to try again later. 
My third Vanilla gift card has experienced the same issue. I'm writing this feedback since I essentially wasted {$100.00} doing nothing ( my fault for making a third purchase from them ).
Product: Credit reporting

I have left XXXX on XXXX XXXX, 2015. Befort I left, I have payed the rent on XX/XX/XXXX2015. And payed the water fee of XXXX month on XXXX XXXX, 2015. However, My credit account show that I have overdue debt peported by XXXX. Please help me check. I have not received any mail or email to let me pay something. The attachment is the prove that I have payed off rent and water fee.
Product: Student loan

When I contact Navient to attempt to lower my monthly payments based on my income, I am told that my necessary expenses such as rent and utilities are not considered in their calculation. I do n't know if this is common practice with all student loan lenders first with XXXX XXXX and now Navient I 'm being told I having a roof over my head and gas to cook with are luxuries. I 'd like to see this policy/practice changed with all lenders. 
Additionally, when attempting to collect past due payments companies should only be allowed to place one phone call per day. XXXX XXXX made a habit of calling a minimum of five ( 5 ) time per day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past Two years, I have sent approximately ( 5 ) certified letters to XXXX in regards to an unverified derogatory account listed on my Credit Report ( Ally Financial # XXXX ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that XXXX disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. XXXX has responded to my request by saying that these accounts have been verified. XXXX has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness .... I also sent certified Debt verification letters to Ally Financial # XXXX however I never received a reply back. XXXX have ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking XXXX reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B- permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am demanding the deletion of the incorrect information listed IMMEDIATELY : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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, XXXXXXXX XXXX XXXX, XXXX XXXX. I am demanding the deletion of the inquiries listed IMMEDIATELY : XXXX XXXXXXXX XXXX.
Product: Credit card or prepaid card

Hi, Hope you are doing well. I wish to file a complain against Bank of America credit card. I am really disappointed and sad to say customers are being duped by saying please use promotional offer to lower you interest rate. They offer a promo code saying use it and pay it in fixed time period to benefit your self. Now when I see my account I never got any benefit. In fact they charged me for 3 % transaction fee and standard interest rate than usual. When tried to contact them they are not ready to help me with the issue and claiming some random rule which benefits them to charge me more interest rate. This can't go on as normal individual may not understand how they are being fooled. I wish this to be stopped for everyone and want to get refund for overcharged interest rates. 

I talked with 4 customer services representatives and they mentioned totally different answers. One said I had selected the offer of 1.99 % but because I didn't paid of everything in 6 months they charged me for standard rate from day 1. The other associate said I never enrolled in the offer. I have proof that I received email for the offer and then I went on to select the offer. Now they are not helping me and charging me with standard rate. Please help me with the issue and let me know what needs to be done to further process the claim. They went ahead and questioned me why it took so much time. I mean the moment I realized I reach out to them. This is wrong and need to be corrected ASAP. Why I have pay for their faulty system. How can I check what is being written on their servers behind what I see? They are not providing enough information. Hope to get some help as soon as possible.
Product: Mortgage

My loan was sold to a new company : Rushmore Loan Services in XXXX. This company has harrassed me every month for being " Late '' when I was still within the allowed grace period. Recently at their suggestion I tried to set up automatic payments - to happen right before the deadline, but they still sent me a statement saying I had not paid and that I should contact HUD for credit counseling. I feel they are harassing me to force me to pay by the due date, which I 'm sure they would prefer, but is not always possible for me, due to when I collect rents on this property. In using their online bill pay system something went wrong and the payment did not go. I am concerned that they have reported this to credit bureaus, even though it has been paid in full after I discovered the problem.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX  XXXX XXXX XXXX and, XXXX XXXX XXXX XXXX has violated my rights. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a Vanilla Gift Card from XXXX for money to purchase gas and snacks from the vending machine that does not accept cash. I loaded {$110.00} on the card. I have purchased the cards before and never had an issue. I checked the balance to ensure the correct amount had been loaded. The system stated I would not be able to use the card for about an hour and this was something done the merchant. I thought it was strange, but I had an appointment I needed to get to. After running my errands, less than two hours later I went to the gas station to purchase {$40.00} in gas and cup of ice. The cashier informed me the transaction was declined. I informed her that I just purchased the card and to please run the transaction again. Which she did and the card was declined again. In panic because I just got this part-time job, I called Vanilla Gift Card immediately to see what the problem was. The representative stated that there was pending transaction for {$110.00} XXXX XXXX XXXX XXXX. I informed the representative I have XXXX and didn't make such a purchase. I informed her this was my gas money to use until my first paycheck and she stated I would need to wait 3 days for the hold to drop off. I asked was there a contact number for the merchant we could call to inform them this was a fraudulent charge and she stated there was not. If I wanted to see more details, I would need to log in and see the card activity. I tried logging in and there was not. 

On Friday XX/XX/XXXX, I contacted Vanilla Gift Card again to see if the charged had dropped off. I was informed by the representative that the charge posted Friday, and I will need to open a dispute. I informed the representative that I immediately contacted Vanilla Gift Card to inform them this was a fraudulent charge and the initial representative refused to assist me further stating I would need to wait for the authorization to drop off. To add insult to injury the representative on Friday stated the dispute would take 45-90 days to be resolved. 

I provided the information for the dispute to be opened. Upon completing this submission, I realized a blank document was sent to me. The representative informed me that he was going to submit the dispute that evening because the information I was provided is needed to complete the screens in his system. I was already concerned about the fraud but provided, my named, DOB and address. The representative has spelled my first name incorrectly. I will upload the document and a photo of the card. I still have another card with them still active and opened and would like my credit to be applied to that card, so that the credit will be expedited back to me. 

If I called and stated this was a fraudulent charge and Vanilla Gift Card was alerted, why was there not a mechanism put in place to deny the charge? This experience could have been avoided and I am still without gas money to get to work. Just a thought. 

Please assist me in getting this resolved. 

Thank you in advance for your assistance. 



XXXX XXXX Vanilla Gift Card XXXX XXXX XXXX XXXX Exp : XX/XX/31 Code : XXXX
Product: Credit card

Cardmember Customer Service XXXX XXXX XXXX XXXXXXXX, ND XXXX XX/XX/XXXX Dear Fidelity Credit Card Services , I am writing to formally dispute a charge on my credit card account. The details of the disputed transaction are as follows : Account Number : Ending in XXXX Dollar Amount : {$8000.00} Reason for Dispute : Fraudulent charge Forced charge on Fidelity Credit Card I recently reviewed my contract with XXXX XXXX, a company operated by XXXX XXXX XXXX, whose owner is XXXX XXXX. In connection with this, I noticed that a charge of {$8000.00} was applied to my Fidelity Credit Card in XX/XX/XXXX. The charge was made for the purchase of a XXXX XXXX channel from this company. Upon further investigation, I discovered that the investment was oversold and filled with misleading information. As a result, I disputed the charge, but my dispute was denied, and the charge remained on my account. 
Upon reviewing the contract, which I have attached for your reference, I found two key issues of concern : 1. The contract specifies a total charge of {$20000.00} ; however, the Fidelity Credit Card in question is not mentioned within the contract. 
2. XXXX XXXX, an employee of XXXX XXXX XXXX XXXX XXXX charged my credit card {$8000.00} without my authorization, after having previously attempted to charge it five days earlier. I did not authorize this forced charge, which took place in XX/XX/XXXX. Furthermore, my credit card information does not appear anywhere within the contract, which further supports my position that the charge was unauthorized. 
In light of these findings, I respectfully request that you thoroughly review the attached contract and reconsider your position on this matter. I kindly ask for the {$8000.00} to be refunded and for this issue to be resolved promptly. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit card

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am an authorized user of the Bank of America credit card ending in XXXX. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) for legal assistance regarding a distressing situation I have encountered with Bank of Americas handling of my claim. 

On XX/XX/year>, I opened a dispute concerning a transaction with a merchant, XXXX XXXX, for a XXXX XXXX experience that went awry. The details of the claim are as follows : - **Claim ID : ** XXXX - **Claim Amount : ** {$5900.00} - **Claim Opened : ** XX/XX/year> Approximately a month ago, I presented Bank of America with sufficient and reasonable documentation supporting my request for a refund. The issues began when I initially booked my stay on the cruise ship, only to later discover that the room was no longer available and that I would have to accept a downgraded accommodation. The merchant informed me that while a refund for the initial booking was promised, securing a new room would necessitate an immediate additional payment. As such, I used my XXXX XXXX XXXX  ( ending in XXXX ) to pay for the downgraded room. 

Despite my attempts to secure a refund from XXXX XXXX, I have received no response to my numerous inquiries. However, after the dispute was initiated with Bank of America, I finally received acknowledgment from the merchant that they were reviewing my issue. I provided Bank of America with all relevant communications and evidence, yet my dispute was inexplicably closed in favor of XXXX XXXX  without a thorough investigation into the matter. 

I find Bank of Americas handling of my claim to be unprofessional and negligent. It is concerning that they closed my dispute without adequately considering the evidence presented. As a result, I am left without the funds owed to me. 

I am now seeking legal advice and assistance from the CFPB regarding this matter. I believe it is crucial for financial institutions to uphold their obligations to investigate customer disputes fairly and thoroughly. 

Thank you for your attention to this matter. I look forward to your guidance on the steps I can take to resolve this issue. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

My account was hacked ACH withdraw from XXXX XXXX never herd of them called 5/3 they said I waited to long and would not refund my money. This is after they put a hold on my account there were other withdraws that they refunded.The XXXX was the first one that was 2 days before all of the other withdraws
Product: Credit reporting or other personal consumer reports

Company refuses to validate information and is openly and willing committed fraud! Bank states of someone else account isnt validate, and they are sharing my private information.
Product: Credit reporting or other personal consumer reports

I have asked Comenity Bank/Express about removing of the inaccurate data that the account is derogatory. The account has been fully paid through the collection agency and this needs to reflect Expresss side of my credit report. This is hurting my credit report.