23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I got a couple of months behind on my 2nd mortgage due to moving my mom XX/XX/XXXX into a XXXX  building and dealing with XXXX XXXX since XXXX. I started XXXX  XXXX received a XXXX XX/XX/XXXX and spoke to the mortgage company of my situation. However, they would offer solutions that I couldn't meet and I refuse to agree to something I knew it was impossible for to meet due to my mothers income is used for her care and my short pay/no leave in working due to XXXX 3  days a week and being out for my XXXX XXXX. To this day they still will not allow give me an offer that is acceptable that I can meet. I sent an email the CEO down to financial counselor on XX/XX/XXXX. He responded on XX/XX/XXXX, stating they assisted me in XXXX, XXXX and XXXX. I tried to email them all again today XX/XX/XXXX, only to find out all the email address have been changed/blocked and I can no longer reach them via email or phone. I spoke with the financial counselor today XX/XX/XXXX to make a counter offer. They wanted me to pay {$1100.00} by XX/XX/XXXX and they pay XXXX and XXXX. I would start fresh in XXXX. I know I can't come up with that amount during this time of uncertainty. So I counter offer and requested that the {$1100.00} be put on the back of the loan, their agreement would still stand with them paying XXXX and XXXX, that would allow me to start afresh in XXXX with making regular payments. They would not accept nor would they discuss any other options with me. I stated to then I could NOT accept an offer I know I couldn't do. I didn't think my offer was unreasonable. I just need help to get restarted. XX/XX/XXXX I was one payment behind. The government was shut down XX/XX/XXXX to XX/XX/XXXX no pay for government  of contracts  during that time. XX/XX/XXXX I was 3 payment behind due to the shut down email XX/XX/XXXX. On XX/XX/XXXX I made a payment for {$250.00}. I made a payment for {$450.00} XX/XX/XXXX. XX/XX/XXXX I mailed a payment of {$400.00}. XX/XX/XXXX payment of {$250.00} was made and XX/XX/XXXX a payment of {$630.00} was made. I have been trying to catch up but due to everything that is going on it's impossible.
Product: Mortgage

I had a mortgage with the Navy Federal Credit Union and filed a Chapter 13. As part of my court approved plan, I can turn the property over to the NFCU. After explaining this situation they asked that I apply to submit a Deed in Lieu of Foreclosure which I applied to do - before they would approve that they said the property needed to be listed with a broker for 90 days which I did and there is now an short sale offer on the table representing about 95 % of the outstanding loan balance. NFCU is now saying before they approve the short sale they must have a letter from the trustee saying that the trustee will approve a short sale. My lawyer says that before that request can be made we need a letter from NFCU that they will release the lien once the deal goes through and NFCU is refusing. Worse, despite numerous requests for a conversation with a supervisor have never had my call returned. Concurrently, they filed a motion to get a judgment against me for the entire balance remaining on the loan which of course the trustee objected to based on the plan that NFCU was aware of when they sought the judgment. Frankly NFCU seems to be acting in bad faith and I can not figure out why it would be in there best interest not to accept the short sale. They repeatedly tell me that their guidelines do not allow the committee to review the short sale approval without the trustee letter and when I tell them what I need to get the trustee and court approval they tell me that I will not receive the letter. I am afraid now that the offer for the short sale will get pulled thanks to NFCU 's failure to work with me in a timely manner. It is shameful and I can not imagine that this is in NFCUs best interest - they should accept the short sale offer.
Product: Money transfer, virtual currency, or money service

I opened a venmo account for my son to be able to receive a XXXX gift on XX/XX/2022. From the start i was having problems adding a bank account. I kept getting error messages and my account was frozen by venmo. I have contacted them several times by email since XX/XX/XXXX asking if i can just send the money back to the sender and they would not provide any assistance with that. They have emailed me requesting to upload an ID and bank statement which i did. I then followed their instructions to attempt to link my bank account and still i was not able to. I have tried doing that so many times and i was still not able to access the funds. I tried adding a bank card and sending the funds back to the sender and i have gotten nothing but error messages. There was nothing i could do on it. Still today on XX/XX/XXXX this is unresolved. This is so frustrating and i am really tired going back and forth with venmo 's account specialist on email with no help from them. I just want the funds returned to the sender and close the account.
Product: Vehicle loan or lease

My name is XXXX XXXX and I originally financed my vehicle with TD auto finance with an account number of XXXX. I refinanced my loan with XXXX and they paid my loan in full to TD auto finance XXXX XX/XX/2019. However, Every time I check my account it still doesnt reflect that it was paid and they even charged me monthly payment automatically for XXXX XXXX. I called multiple times to resolve the issue and they always reassure me that it is already being taken care. It is now XXXX and I am still getting a bill from TD auto finance and they even have the nerve to say that I am two months overdue and now being charged late fees. This is getting ridiculous! This bank brought me nothing but pain and inconvenience. They are the once who owe me late fees for poor service. Please assist.
Product: Credit reporting or other personal consumer reports

These collections and charge-offs were all on settlements and after Covid, they came back and said that they all werent settled completely. I have XXXX XXXX, from XXXX XXXX XXXX handling this since then. We will submit an email or fax any info you need please contact her.
Product: Prepaid card

My maternity leave began, and I was approved for benefits through the state of california. 
I was told to contact Bank Of America EDD card holder services, to inquire about the card I was to be recieving benefits on. 

When I began contact with BOA, I provided all of my natural born and true information, and was told I could not be verified and I needed to head into my local branch to provide forms of identification in order to gain access to my account. 

When gaining access to my account I was informed all the information was changed to information that did not belong to me, benefits were being recieved and spent on my behalf. 

I went through the process of filing a claim, it was filed in 2 different parts one for XXXX dollars and one for XXXX. 

After initially denying both claims, they approved the XXXX dollar claim but have yet to approve the XXXX claim. I have filed several grievences, complaints, and spent hours on the phone being reasssured that the claim would be properly investigated only to call the next day to find out they denied it without any further investigation. 

I have provided my ID as well as a copy of an Identity Theft Report in regards to these claims as well as multiple accounts opened in my name. 

I am being refused any coperation from the bank, when there is substantial evidence supporting my claim.
Product: Credit card

In 2009 we had lost our business and were with out jobs we had XXXX large cc bill with chase bank at that time they would settle for short money but we did not have any money for over 2 yrs we have pd the {$480.00} a month we recently called to see if we could settle and finally get this behind us we were told that the only settlement we could get would put a negative mark on our credit which we have worked hard to get it to a moderate XXXX when the credit cards were active they charged us 28 % interest rate we feel they have gotten there money over and over know they see we can pay and they do not want to work with us to settle for a lesser amount they had told us when we signed up they want to work with us but i see refusing to give us an appropriate pay off figure with the threat of harming our credit after it took us several years to get where we are to today is unethical
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law XXXXFailure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
XXXXFailure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
XXXXFailure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX  TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : XXXXConduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXXProvide a comprehensive written explanation detailing your investigation process and results. 
XXXXPermanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX
Product: Checking or savings account

My card was recently compromised and a charge made by XXXX that I did not authorize. Upon researching this charge I found another recurring charge going back quite some time that I can not even research for XXXX a month from XXXX which I can not even find out who they are. 
I disputed the charges I was allowed to with my bank given that I did not make them and cant even identify the XXXX company. They have declined to return my money. Furthermore the XXXX  is a recurring charge, and Truist saw fit to give them my new debit card number so that they could continue siphoning money from my account. 
As a result of Truist sharing my card number this charge has once again shown on my account after I reported this very company as fraudulently charging me. They told me they could not stop the charge when it was pending and that I must fight to get my money back for their mistake once it posts on my account. 

How is it legal for Truist to simply say that because my card has been compromised once in the past that they will never back me again? This is essentially what the denial paperwork says. And what is the remedy for the absolutely disgusting fact that access to my account was given to a company Truist was already made aware was scamming me?
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXX XXXX Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$5800.00} Chapter XXXX Bankruptcy Reference # XXXX Chapter XXXX Bankruptcy Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

Hello I have been denied access to withdraw my funds from my PayPal account since the pandemic started. I have contacted PayPal several times but still give me the runaround. Its against the law to hold anyone money. I asked them to let me withdraw my funds and they said wait until 180 days. So now its been over three years.. Still no justice I need my money..
Product: Credit card

I received XXXX fraudulent charges posted on my Macy 's credit card on XXXX/XXXX/2015 for a total of {$17.00}! Over 6 months later I still can not get this resolved after numerous calls to the Fraud department, credit department and many faxes. I called immediately when I received the first bill and was told not to pay the bill, instead to fill out a Statement of Fraud. I did that, but kept getting bills each month for more and more money because of finance charges and late fees. The {$17.00} is now {$230.00} due to all fees they have charged. I call every month and they tell me not to pay it, not to worry and have said it is not with collections, but they call my house at least 3-5 times a day,7 days a week, and tell me the only way they 'll stop calling is if I pay. I can not get them to remove the charges, or stop calling. This is horrible. I know the card was not used by anyone because it was in a safe in my house. I want something in writing from them saying this is not on my credit report.
Product: Vehicle loan or lease

Ford has failed to validate the debt and address the multiple discrepancies in their lease agreement. They have disguised a consumer credit contract as a lease agreement and have not specified whether this loan was a purchase money loan or a financed sale as per TILA and Regulation Z requirements.
Product: Vehicle loan or lease

Vehicle covered by loan at Santander XXXX XXXX was traded in and loan paid off in XXXX 2024. XXXX insurance policy was canceled and Santander sent a check out for the balance owed to me in XXXX 2024. I never received the check. I contacted them by phone and message app multiple times for XXXX months and received no assistance with getting the check reissued. From what I understand, they owe me {$510.00}. Now when I call, the recording goes into a loop and my account on the app has been canceled so I am no longer able to address the issue with them.
Product: Debt collection

Did not receive right of notice to dispute this negative incident before it was put on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XXXX XXXX Company : XXXX XXXX XXXX XXXX ran my credit without my authorization. I was not at the dealership this day, I did not give permission, my information was not verified. I sent a dispute letter over via email and spoke the two managers. They will not dispute my request. They are a dirty dealership and continuously lies.
Product: Credit reporting, credit repair services, or other personal consumer reports

mortgage service company ( BSI Financial Services ) is not disbursing insurance funds for repairs caused by a faulty appliance. I have attempted to contact BSI 's loss mitigation office on 5 separate occasions and was told they do n't have the necessary files and that they have recently taken over the handling of the loss. I was asked to call back in a couple days and this has gone on over two weeks. I requested they expedite the matter and was told they had no information and to call back.
Product: Money transfer, virtual currency, or money service

This is a western transaction. I am the reciever here. The first attempt the sender send the money to me last XXXX XXXX. And it was being block by the western. And they demand a payment of almost XXXX to get unblock. But afterwards after being unblock the Refund the transafer to the Sender. Due to the destinated location. And the second attempt the sender try to send it again but in the different branch of western. On XXXX XXXX. And they are asking for clearances for almost XXXX again. I thought after being cleared. It will be okay. But not! They ask again for a payment of almost XXXX for the XXXX  XXXX  and XXXX  XXXX. But ended up until now i still dont get my funds. Its been 1 month and more than 2 weeks. Transaction
Product: Debt collection

XXXX, 2019. I was at the end of a divorce. My wife and I were selling our house, so we can go our separate ways. A week before the closing, the title search came back with a lien on the property. Forster and Garbus LLP was suing me on behalf of a company that alleges I had a contract with them, I requested time and paperwork so I could address and validate this information. They said I missed the court date, but no notification/mail was ever delivered to me, I asked them for proof of a signature of delivery. I never got that proof or anything relevant to show that a summons was sent to me to appear in Supreme Court, or that I owed this alleged debt. The bad thing about this situation, I had a new job situated and was suppose to close and purchase a new house in XXXX, Fl. Once the house sold, this debt collection strong-arm tactic from Forster & Garbus LLP XXXX forced me to settle with them for {$25000.00} in order to continue with the sale of the property, this processed took the closing from a week away to three and a half months later to the end of XXXX. I wasn't able to start my new job and I lost out on the sale of my new property in XXXX, Fl. The proceeds from the sale of the house which was suppose to come to me was {$32000.00}, that went to Forster and Garbus which was {$25000.00} and I no longer had enough or any funds to place as a downpayment for anything property and moving fees. I was jobless and homeless for awhile, I had to move in with friends and family in order to get back on my feet. Forster and Garbus LLP states that they are lawyers but at the bottom of the paperwork they provided it clearly states in all caps ( PLEASE NOTE THAT WE ARE REQUIRED, UNDER FEDERAL LAW, TO ADVISE YOU THAT WE ARE DEBT COLLECTORS AND ANY INFORMATION WE OBTAIN WILL BE USED IN ATTEMPTING TO COLLECT THIS DEBT. ) 12 CFR 1006.18 ( b ) ( 1 ) ( iii ) ( b ) False, deceptive, or misleading representations. 

( XXXX ) A debt collector must not falsely represent or imply that : ( iii ) Any individual is an attorney or that any communication is from an attorney.
Product: Checking or savings account

US Bank in XXXX, Kansas. I closed my bank account and wanted to reopen it but was denied. I had no bad checks or problems while the account was opened. I felt the Manager used his influence to get me to close it. I want to reopen this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF ; THE CFPB ALSO SPECIFIES THAT WE DO NOT INCLUDE ACCOUNT NUMBERS, ETC IN OUR COMPLAINTS BUT I HAVE ATTACHED MY LETTERS THAT HAVE BEEN SENT TO YOU 3 TIMES AND WILL INCLUDE MY ORIGINAL COMPLAINT AS WELL! 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Product: Credit card or prepaid card

paypal account is being charged with charges I am not making. My account is one long list of charge backs after another, none of them are mine. I called them XXXX of 2022 and filed a complaint against the charges and told them to freeze my account and if I wanted to use it again I would call back and unfreeze the account to use it. It was never frozen as requested and I find that the same thing has been going on since the phone call. I called them again recently and told them to close my account and that I would never use it ever again. They forwarded me to their fraud department and the person I was trying to talk to would not listen to me, he just hung up on me. 
The charges on my account are false and one look at the activity would prove that there is something going on with this account. I WILL NOT pay for something that I didn't ask for and need your help to get this problem resolved. The current charges on my account are XXXX and that is totally false. 
Thank you for your attention in this manner. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave some information to a website and they fished my info around without my consent I applied for a home loan and other loan companies ran my report without my consent
Product: Mortgage

My mortgage company, Citizens Bank, has removed all options to speak to a person through their customer service phone line. There is no opportunity even to hold to speak to someone, you are only able to schedule a 2 hour window on a day in the future for them to call back. Recently, I needed to speak to them about their misapplication of a principal payment, and when I received a call back two days later, the connection was sporadic on their side and eventually I was cut off before finishing the conversation and no one called me back to finish the call. So, now the only way I can finish the discussion is to get back on the schedule for another 2 hour window when I have to sit by the phone to make sure I dont miss it. I work a full time job and cant be certain Ill be available for the entire 120 minutes of this ridiculous process. I should be able to call and speak to a person regarding my mortgage on my own schedule, not theirs.