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

I communicated in good faith multiple times with Comenity I was not receiving my card. They offered to send a new one ( again ) multiple times and I explained that would not help, and I suspected my mail was caught in some sort of forwarding loop, because Id been seeing other parcels with multiple forwarding stickers, arrive months late. On the third time I called, I asked them to please XXXX the card to me directly, because Id been spent numerous hours trying to resolve the forwarding issue with the post office and was still having mail delays. They refused to XXXX the card, and I said Ok, if you wont send me my card after Ive called twice to explain the issue, Im closing my account immediately. This was XX/XX/XXXX. I paid off the balance and any fees at the time and believed I was doneat this point I was really frustrated, by the refusal to send the card ( a request readily obliged by other cards ) by XXXX, and the ongoing underlying issue with the post office. When I closed out they didnt mention that since my due date was XX/XX/XXXX, that any late fee ( because I still had no card, and paid on XX/XX/XXXX ), wouldnt show up until the following billing cycle. I had already spent hours on the phone trying to clear this up, and when I saw I was being charged AGAIN for a card I NEVER received, my lid nearly popped. Not my finest hour, and I suppose I was filled with righteous indignation. Apologies to whomever I spoke to that day. 

Im not an irresponsible XXXX pay my debts, and am diligent and courteous, and its not about the amount there was no customer service and no willingness on comenitys part to try and find a reasonable solution to a simple external problem. 
Funny enough The card did arrive two months ago, with the wrong address, and multiple forward stickers. This process has been tedious and infuriating. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to the dispute the negative information/activity reported to the Credit Bureaus dated XX/XX/XXXX. This action resulted from mismanagement of my financial paperwork by XXXX XXXX XXXX. The situation all started when I called XXXX in XXXX, XXXX to update the bank account information where the installment payment is being taken out each month. I requested to remove XXXX XXXX  and replace it with my new bank account at XXXX Bank. I was told that I can schedule onetime payment over the phone till XXXX send me documents to fill out and return back in order to update the bank information to XXXX for future installment payments. During this call, I schedule a payment of {$370.00} which was taken out of my new account at XXXX on XX/XX/XXXX. In the meantime, I received the document from XXXX, which I had completed, signed, and returned back on XX/XX/XXXX. On XX/XX/XXXX, the bank holding our car loan called me because the amount for the month of XXXX was not paid in addition to XXXX. When I told the bank about the issue, they were able to locate my new account information at XXXX Bank and processed the payments for these two months over the phone. I then found alerts from the Credit Bureaus indicating a negative alert posted by XXXX on my credit and my husbands who is also a signer on the car loan. I called XXXX on XXXX XX/XX/XXXX to question the action and I found out that the document which I signed and received by XXXX on XX/XX/XXXX was not uploaded into my file till XX/XX/XXXX.
Product: Debt collection

Rec'ed in the mail, at my work addr : U.S. Federal Courthouse, Southern District of Florida , a letter showing that I owe almost $ XXXX to XXXX and this company was attempting to resolve the debt. I have no XXXX Accts and all new accts must be approved by me in advance. Additionally, the mail was sent to the job addr and not my home addr shows it to be fraudulent. Wrote a letter disputing the acct and that I have filed a compliant with you. Mailed dispute letter.
Product: Money transfer, virtual currency, or money service

I bought a XXXX over the internet, got lost in shipping, seller wont give the money so I filed a dispute thru my bank, bank gave me provisional credit, case was denied through XXXX XXXX but went in my favor through the seller and Venmo. So I lost the provisional credits Called Venmo and XXXX XXXX lots of times and they both dont know where the money. Seller said and sent pictures of the case going in my favor, Venmo charged him the {$2200.00}. I call Venmo and they say XXXX XXXX has the money because they cancelled the transaction. Seller wont comply now and Venmo say they dont have the money. 
I have sent a cfpb complaint to XXXX XXXX and they still couldnt find anything on it.
Product: Bank account or service

In XXXX of XXXX, I had an insurance claim for water damage on my house. The repairs were inspected at 50 percent completion on XXXX XXXX XXXX as required by the mortgage company Selene Finance. After being contacted by Selene that funds would be released, those funds have NOT been released as of XXXX XXXX, XXXX and Selene will not provide a date for the release of the funds. I have provided Selene with receipts totaling over XXXX dollars out of my own pocket for materials. This has halted progress on the restoration of my house and is causing a loss of use as I do not have a functioning master bath or bedroom still. I have contacted Selene on at least 5 ( talking to a " supervisor '' ) occasions asking for an update and the only response is that Corporate is reviewing the request. If Selene does not want to issue timely disbursements then they should be paying interest to me for holding the funds.
Product: Debt collection

Today, XX/XX/2018 I, XXXX XXXX, opened a letter from Resurgent Capital Services. Their letter stated that I recently made a payment for reference ID : XXXX in the amount of {$25.00} which was credited to that reference ID. I have NEVER made a payment to Resurgent Capital Service for that reference ID. I made a payment to XXXX XXXX, XXXX in the amount of {$25.00} for account number XXXX for my debt for XXXX XXXX XXXX. At no time did I indicate that the payment be for the XXXX XXXX XXXX XXXX I believe Resurgent Capital Services is miss applying payments in order to use that against me. I am requesting full fraud investigation be opened on Resurgent Capital Service. I did send the company an email requesting more information, but I believe this is an  attempt to gain leverage by misapplying the payment an old account.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$4100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block the items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX XXXXBalance : {$3200.00}, XXXX XXXX Balance : {$1500.00}, XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$830.00}, XXXX XXXX XXXX Balance : {$2100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX  HARD INQUIRY DIDN'T RECOGNIZE on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's customer service would not help and take care of the negative inquiries reporting on my credit report. Several certified letter where sent advising that the inquiries where not authorized by me and are listed below. 

XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Received a letter from XXXX XXXX that we were no longer responsible for the payments on the timeshare and we were no longer allowed to use their properties. Lost original letter. Contacted company on multiple occasions to get a copy of the letter. They state that they can not find that letter in our file. Contacted them originally in XXXX to let them know that the second person on the loan had lost his job and we could no longer afford the timeshare. They indicated that there was nothing they could do to help us. These late payments are being reported to Experian monthly even though we were informed in the letter that we were no longer responsible. {$58000.00} in arrears and no one will call us back. This was supposed to be escalated to management but we have heard from no one. Also contacted XXXX XXXX who stated that if we received that type of letter then they should have released us from the loan after 14 days as the letter stated.
Product: Mortgage

I purchased a XXXX acre property and was issued a title policy by Meridian Title. The policy stated their were no encroachments on the property. It was later determined that there was a pipeline running across the property and they held a blanket easement on the entire property. Several attempts by me about the problem were ignored by the title company. I had to hire a private attorney to assist me in this issue. It is now over {$5000.00} in legal fees later and the title company attorneys have refused to advance the case to mediation
Product: Checking or savings account

I have a bank account with sofi Bank and online account recently my purse was stolen it had all my bank XXXXXXXX XXXXt cards XXXX birth certificates social security card everything in there including checks and the entire bank account was compromised I never even used it and I had they owe me over {$1600.00} that they will not give me they closed my account and sent me a check for {$8.00} and my first was stolen on XX/XX/year> and up until current all of the transactions are unauthorized I tried to talk to XXXX different people they won't do anything for me I need my money so if you could please help me receive these funds I would greatly appreciate it I asked for a supervisor they said I couldn't talk to one I mean someone can just steal your stuff out of your bank account and use your stuff and nobody cares it's ridiculous so please help me
Product: Money transfer, virtual currency, or money service

on  XXXX   XXXX ,  2017  I initiated a transfer  via Western Union fo r {$1600.00}  ( mtcn  :  XXXX  ), upon completion of the transaction, the  IFSC  code was incorrectly shown, therefore contacted the customer service rep and he told me to wait until  XXXX  as someone will contact me to correct the problem and if I am not satisfied with the wait, he asked me to cancel the transaction and I did cancel the transaction. I initiated another transaction via transfast and they asked me to provide driver license, bank ownership proof, passport copy and the transaction was completed. In the meantime, on  XXXX  I received the email from Western union that the transfer was complete. I was shocked as I have already cancelled the transaction a nd the IFSC nu mber was wrong and no one verified my identity. Contacted  CSR  and they told me that money will be returned as they can not see a transaction using my email id and transaction is available on  XXXX , therefore they still had 2 days to cancel the transaction before reaching the destination.  Case  no :  XXXX . On  XXXX / XXXX / 17 , received mail indicating that the transaction was effected with all the rules and procedures followed. How a leading wire transfer company can send money to other country without any validation? Now I understand, how  XXXX  is collecting millions of dollars from outside their own country. I was sending this money to a unknown person based on information given to me by my brother-in-law ( as he owed money to hi m ), now  he has double the money in his hand.
Product: Credit reporting or other personal consumer reports

Its showing on my credit report that I owe {$1100.00} & {$500.00} from XXXX XXXX XXXX. I disputed through mail several times recently & previously. Asking for signature l To date they have not fulfilled the intent of the fair credit reporting act which requires bureau, as a consumer reporting agency to maintain fair, accurate, and equitable to the consumer such as I. The law states 15 USC Section 1681 says that credit bureaus will follow reasonable procedures to assure the maximum possible accuracy of information concerning I the individual about who the report relates the requirements have not been met by their actions. They have not given me evidence of investigation by giving me names and addresses of persons contacted, nor have they removed anything found inaccurate. They have not removed any item for which no verification could be found within XXXX  days. The items were inaccurate & incomplete. Also federal law Act 15 USC 16811that they had XXXX days to respond to letter for recertification of erroneous items. Federal law requires that upon request the creditor must provide the credit bureaus written proof that the account belongs to me the credit bureaus must remove the account from my credit file if this is not completed within XXXX  days and cease reporting all activity written proof is a copy of the contract I signed with the original creditor and not an XXXX response without sufficient proof. I asked who was the original creditor on this account and what was the account # what was the original amount owed? Please provide a complete payment history! Starting with original creditor I asked for them to please provide with documentation that indicates I agreed to pay someone this sum of money. What was the original date of delinquency for account I asked for agreement that grants them authority to collect on this alleged debt or proof of acquisition by assignment. They failed to do so!! Please remove these accounts!
Product: Credit card

THIS IS A NEW COMPLAINT WITH NEW INFORMATION! Please review the updated information so that Discover is required to respect the law. In 2009, I moved to XXXX. I have lived here in XXXX XXXX, XXXX for the past 6 years. Discover keeps reporting an account to my credit with a balance that is collectible with out verifying I did guarantee it or when the last payment received. They claim I have lived places with out documentation. They still attempt to collect a debt now acknowledging it is out of the statue of limitations.
Product: Mortgage

I PAID ROUND POINT ON XX/XX/XXXXXXXX  {$2400.00} ( TIMELY ) FOR MY PRIMARY HOME MONTHLY MORTG. PAYMENT. 
IT HAD COME TO MY ATTENTION A FEW WEEKS LATER THAT THE REGULAR MONTHLY PAYMENT HAD CHANGED DUE TO AN ESCROW SHORTAGE AND I OWED {$190.00} ( and paid the balance XX/XX/XXXX ). I GUESS I WASN'T THINKING ABOUT IT TOO MUCH BECAUSE MY BABY DIED ON XX/XX/XXXX. I HAVE NEVER MISSED A PAYMENT. 
ROUND POINT DID NOT APPLY THE PARTIAL PAYMENT BUT RATHER FILED A MISLEADING STATEMENT FOR NON-PAYMENT WITH ALL THE CREDIT BUREAUS WHICH HAS SIGNIFICANTLY DAMAGED MY CREDIT AND REPUTATION.
Product: Prepaid card

My money was deposited into my rush card and i have n't been able to access my money. I 've called rush card and no one ever answers the phone and when your on hold, phone hangs up. I also faxed over to them a letter explaining that my card was deactivated and that the deposit id was incorrect. No one ever got back to me.
Product: Mortgage

In XXXX XXXX XXXX I was granted a temporary forebearance and went into that forebearance current on my mortgage. I have stayed in contact and currently should still be in forebearance. I submitted an application for a partial claim/loan modification as well as extension in XXXX, while I had no income ( unemployment stopped until XXXX ) I was granted an extension on my forebearance through the end of XXXX and again requested an extension with no response and then submitted an application again for a partial claim/loan mod via email. ( XXXX time was via the portal ) to this point I have not received any calls regarding needing anything from me or to give any help. I started calling several times a week and documenting since I just received a notice of foreclosure- although I have a current application for a Covid-19 recovery workout partial claim/loan mod and still should not be in arrears on my mortgage. I have an appointment with a HUD counselor today and am also working with the XXXX  XXXX for emergency mortgage assistance. I also started a job this week so could begin paying my mortgage immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2018 to XX/XX/2018, multiple credit report dispute letters were sent out.Contained in this dispute were requests to verify accounts on my report via copies of the original creditors ' documentation with my signature on file. These requests have been overlooked and unverified items remain on my credit file.

Under FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) it is required in order to properly verify any account on my credit report, original documentation with my signature must be provided. Section 611 ( 5 ) ( A ) of the FCRA states that if XXXX is unable to properly verify the accounts in question in 30 days, they must deleted from the credit report immediately. These companies have failed to comply with all of the above. Verification method was not provided.
Product: Debt or credit management

I was contacted by Sunrise Credit Services Inc. regarding a debt I owe to XXXX XXXX Services. This debt went into collection due to the pandemic. I defaulted and my personal loan was sent to collection. 

On XX/XX/2024, on agreement with both XXXX and Sunrise Credit Services Inc, I paid {$3600.00} as a full settlement on the account. Sunrise had indicated to me that by paying this amount, the account would be settled as agreed. They would send a letter stating the same with XXXX letter head and report to all the THREE credit buraus that the account is settled as agreed and the balance is {$0.00}. They have failed to do any of these to date. 

Three months later, Sunrise has not reported to XXXX that they collected money from me and XXXX accounts still show that I owe money. I called XXXX on XX/XX/2024 and they confirmed to me that this is true, I still owe them money and that Sunrise Credit Services Inc has not reported any payments to them.
Product: Checking or savings account

I am filing this complaint against Bank of America regarding their failure to fulfill the {$500.00} business checking bonus that I rightfully earned upon meeting all promotional requirements. 

I opened a Bank of America Business Advantage Checking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  if I : Deposited {$15000.00} and maintained it for 120 days ( requirement met ). 
Actively used the account ( requirement met ). 
Despite fully complying with these terms, Bank of America has not credited the promised {$500.00} bonus to my account. I have waited well beyond the timeframe expected for the bonus to be posted, yet I have received no communication, no resolution, and no explanation from Bank of America. 

Desired Resolution : I am requesting that Bank of America immediately credit the {$500.00} bonus to my account, as I fully met the eligibility requirements under the terms of the promotion. I also request that the CFPB investigate this issue, as this appears to be an unfair and deceptive business practice, where customers meet all promotional terms but are denied their promised incentives without justification. 

Why This Matters : Bank of America marketed this promotion to attract new business customers, yet failed to uphold its commitment. 
If this is a recurring issue, this could impact other customers who were similarly misled. 
Consumers should not have to fight to receive a bonus that was contractually promised. 
If Bank of America does not resolve this issue, I will escalate my complaint to additional regulatory and consumer protection agencies. I trust that the CFPB will ensure that Bank of America upholds its advertised promotions fairly and transparently. 

Thank you for your assistance in resolving this matter.
Product: Debt collection

I tried to settle this debt multiple times and never received call back. Now its been years, Im trying to rebuild my credit, and I want to negotiate a settlement
Product: Checking or savings account

On XX/XX/2019, my checking account ending in XXXX was overdrawn by {$500.00} including 4 overdraft fees of {$35.00} each for the debit transactions of {$150.00}, {$21.00}, {$89.00}, and {$100.00} from XXXX. Because of these fees, I was not able to make deposits to cover the debit balance in full for the next two months resulting in closure of my account because I live paycheck to paycheck. I had to suffer a lot mentally due to this action on the part of the Wells Fargo Bank, because not only was I not able to get my paycheck on time from the employer, but also I had to pay extra fees to other third-party merchants for check-cashing services. I would, therefore, ask the Bank to refund my overdraft fees at the very minimum to compensate for my hard earned lost money.
Product: Mortgage

I keep having trouble with this lender, my track record of complaints with CFPB proves that. 

I thought we were on the same page once again, requesting my monthly payment be lowered, modification approved and monthly mortgage payment lowered, thank you. 

Please see the following : new modification first payment due XX/XX/XXXX of {$2200.00}. in which I paid attachments will prove that, XX/XX/XXXX payment scheduled of {$2200.00}. 
notation : I had 2 XXXX in XXXX of XXXX easily proven, loosing approximately {$3800.00} in rent from my XXXX XXXX, never ever did I let the lender know that as I paid my XX/XX/XXXX, it wasn't necessary. 
Now the lender is telling me that it wasn't applied at all because of an escrow advnce balance, that they refusing to tell me the breakdown, not in my contract, also if it is taxes and homeowners insurance I could have paid that seperately, besides that is included in my monthly mortgage payments, and extra funds that go in my escrow account. 
threats have been made and put me in default and I am not Before I meet my demise, I am turning at least 300 pages, to include emails to an attorney to move forward with this company. I certainly see how 3,000 plus complaints have been made on this lender. 

I have attached copies recently received. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

its accounts being reported on my Chex system and XXXX XXXX report that's not mine due to Identity theft and fraud some even have inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX Florida I never lived there and when I went to locate the Adress it's an empty home. Also XXXX XXXX XXXX XXXX XXXX XXXX Fla XXXX never lived there and I never lived in XXXX XXXX XXXX XXXX XXXX Fl XXXX. My wife and I XXXX XXXX were victims of Identity theft and a lot of accounts been opened in Our name some XXXX and XXXX XXXX, XXXX, XXXX XXXX and also Inquiries. Please assist us in getting these issues resolved. This is Our Final step before filing a suit in Federal Court.
Product: Debt collection

Company is calling despite being notified of bankruptcy status ( Case # XXXX ).