23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was having financial difficulties and turned my credit cards over to a company called XXXX. They negotiated payment plans with my creditors. I completed the program and paid off my debts in full as of XXXX 2016. I am having trouble with American Express. While I was in the program they reported my payments to the credit bureaus as either on time or reported nothing. But when I paid if off in XXXX of 2016 they changed their reporting to the credit breaus to " XXXX Serious Delinquency Charge Off '' and listed the amount I paid off which was over {$12000.00} as the " charge off. '' All the other cards I paid off through the program report me as paid off and on time. But American Express makes it look like I defaulted. American Express uses a " customer service '' number of XXXX for help with credit reporting. They are no help. I 've discussed this situation with them 4 times. First time I spoke to them they tried to say there was a period of 6 months in which they received no payments so I provided them a copy of the letter from American Express that I completed the program and paid in full and documentation from XXXX regarding all the payments, amounts and dates showing it paid in full. The " customer service '' number appears to be an international call center. All they say is once a serious delinquency charge off is done they ca n't fix it. I sent them all the documentation and explained that it is a clerical error on their part, still they say that there 's nothing they can do. I 've asked to speak to a supervisor and they said one would call me back with in 48 hours but that was like a week ago and I 've yet to hear from anyone. If they 're not going to provide any customer service as this number they might as well just have a recording. I 've tried various other American Express numbers as well to see if I could find a person to help me fix this. But they all refer me to the same customer service number even when I explain to them that no customer service is taking place at this number. I have filed investigations with the documentation with all XXXX credit bureaus. But this is all very time consuming and I am trying to refinance my house and this is holding me up.
Product: Money transfer, virtual currency, or money service

Money ( {$2400.00} ) was sent to the Google Wallet of my father ( who is deceased ) on XX/XX/XXXX. Google has  locked this account and will not allow deposit into the linked bank account. As personal representative of the estate, I have provided documentation showing my authorization to act on behalf of the estate and deposit the money into the account. Despite numerous emails requesting a status update on the disbursement of the funds and closing of the Google Wallet account, I have yet to receive confirmation that the funds have or will be disbursed or a timeline for disbursement. 

Response to prior complaint of XX/XX/XXXX was not adequate. A support person named XXXX sent an email indicating " we're working diligently to determine the appropriate resolution for your situation '' but I have not been able to get any update or response in over a month. Google has now been holding these funds since XX/XX/XXXX with no solution provided. 

**Please note, I am unable to upload documents via this interface. Please see documents uploaded in prior complaint.
Product: Consumer Loan

In 2007 my ex-wife and I divorced. I had XXXX vehicles under my name which were with XXXX XXXX XXXX as the cosigner, and Bank of America which I was the primary. The divorce proceedings lasted almost two and a half years. On the last day of the court proceedings I communicated with both creditors trying to salvage my credit as best I could. Both XXXX and BoA gave me no special treatment, their only advice was to pay both of the accounts in full by the close of the day, and the accounts can be removed from my credit bureau file after seven years has past from the XXXX deliquent reporting which was XXXX 2007 for BoA, and XXXX 2007 for XXXX. I agreed with both and settled both accounts immediately. The total pay off for both accounts was over {$30000.00}. The XXXX years has now past, and I have disputed the information with all three credit bureaus stating the allotted time has past and the accounts were paid in full. The returning investigation shows that the derogatory information has n't been removed but only updated. The first delinquency for the months of XXXX and XXXX 2007 now have been blacked out and report back " NO DATA ''. I have contacted both creditors asking why they have n't held up to the agreement made on the last court date. I have suffered with this on my credit report for the seven years, paid higher interest rates on everything I borrowed, or saved until I could pay cash long enough in the eyes of the law governing the credit reporting process. They have now changed the information in my files by deleting the XXXX delinquency, and therefor keeping me suffering with this on my file. Why and how are they able to do this? Are they able to do whatever they want regarding my information? They have to hold up to their end of the agreement and release me from my suffering. 

Bank of America acct # XXXX # ending in XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I opened mail held by the XXXX since XX/XX/2023. I received an unsolicited credit from XXXX in my name and a bill from same for $ XXXX. I did not request a credit from XXXX or incur any charges with XXXX XXXX. First, on XX/XX/2023 I reported by telephone to Comenity CapitaI Bank ( the issuer of the card ) that I did not request the card nor incur the charge. On XX/XX/2023 I received a letter from Comenity Bank requesting information or to indicate that I believed I was a victim of identity theft. I sent a letter on XX/XX/2023 providing all the information they required, informed them of my Identity Theft Report with the FTC, and requested they send me documentation of their claim that the charge was not fraudulent. This is information I am entitled to under the Fair Credit Reporting Act. No documents have been received, despite a third attempt in a letter dated XX/XX/2023.
Product: Student loan

In XX/XX/2020 I updated my preferences online for my two ( 2 ) consolidated loans with Navient. I indicated that I wanted any overpayment to go towards the balance on the loan with the lowest current balance. I made an auto-payment ( pushed from my bank account, was not made over the phone or auto-debit ) on XX/XX/2020, I looked online on XX/XX/XXXX to ensure payment was properly applied, it was not. Instead Navient pro-rated the payment across the 2 loans. I called to inquire, the rep said that I had a consolidated loan, even though I have 2 separate consolidated loans ( 2 separate current balances show with 2 seprate loan numbers ). She was able to go ahead and re-apply the overpayment to the correct loan. I inquired as to how to avoid that happening in the future, she indicated that I need to inform the rep when I call on the phone ( even though I informed her I did not make a payment via phone ). I asked what the point of having a " preference/payment direction '' of " overpayment toward lowest balance, '' she again repeated that I had a consolidated loan. At that point I realized she was going to argue in a circle. I ask to make a complaint and for the complaint department, she indicated there was no phone number and I would have to email as there was no complaint department.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed that my personal information is incorrect. This is my second time writing you to update my personal information, Please see attached information that need to be updated.
Product: Mortgage

My husband and I are both Veterans. We are divorcing and agreed he would take the house that is in both of our names, but under my VA entitlement. We were in the process of refinancing it out of my name and solely into his. We did the quit claim deed, got his XXXX, paystub ( {$3500.00} bi-weekly ), letter of verification, everything asked for. He was set to close on XXXX XXXX and I moved forward making an offer on a home for me and our kids. Communication break downs, misinformation changing of stories started happening two weeks before closing. They could not verify occupancy which made no sense as all his XXXX and paystubs verify this is his home. I could never get our loan officer on the phone, I was either getting calls from other people in different departments. I was promised to get a call from our loan officers manager immediately, and a week later, 6 days before closing, I was told they would not be able to refinance and I needed to contact the VA directly if I wanted my name off the loan. When I called the VA, they told me I should talk to the bank because a simple modification can take my name off the loan since it was in our divorce agreement. This is USAA Mortgage.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifax ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

Account- XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Month showing late payment XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Possible financial services the account was closed why is it still showing on all my credit reports and also they told me if its not removed itll impact my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - Equifax, XXXX and XXXX. I am requesting the removal of all hard and soft inquiries that are older than two years old.
Product: Checking or savings account

My wife and I opened a joint checking and savings account with SoFi Bank in XX/XX/XXXX with a promotion of setting up direct deposit and receiving an account bonus of up to {$300.00}. During the promotion evaluation period ( within 25 days after receiving first direct deposit ), the checking account received over {$5000.00} in direct deposits which should have equated into a {$300.00} account bonus. The account bonus should have been credited within 14 business days. As of XX/XX/XXXX, my wife and I have yet to receive the bonus so I contacted support. I live chatted with customer service agent Ma, who confirmed that I was eligible and fulfilled the terms of the bonus but did notice that the bonus was never credited to the account. The customer agent stated they would file a ticket with the back office to get this corrected and to expect a resolution within 5 - 7 business days. On XX/XX/XXXX ( after 7 business days ), I checked my account and the bonus was still not credited to my account. I reached out to customer support and chatted with agent XXXX who stated they would check on the status of that ticket but instead disconnected the chat with me after XXXX minutes. I contacted support again and chatted with agent XXXX, who stated that no ticket had ever been filed by the pervious agent so they would file one then follow up with me. The agent also confirmed that I met the terms of the promotion.
Product: Credit card or prepaid card

On the XXXX of XXXX, 2020, I was at an ATM in XXXX, MS and I went to use my card and immediately new something was wrong. I had over {$2500.00} on my card and knew that I shouldn't have had a problem using the card. After pulling up the account information from home I immediately noticed numerous of charges that I did not make. All of the charges were made in XXXX, XXXX XXXX and XXXX, FL and totaled {$1600.00}. 

I immediately tried to contact the Eppicard customer service on XX/XX/2020 and after waiting on hold I was hung up on numerous of times. When I finally got a representative on the phone and gave them all of my personal information to access my account they hung up on me. The next morning, I went to check my card and my pin number was changed. I continued to call back on XX/XX/XXXX and XXXX but still couldn't get through to anyone. I was also at this point convinced that this was an inside job. I have done everything within my powers to report this fraud to Eppicard and dispute these charges. 

I have had to miss work in order to file reports and make phone calls as an attempt to get my money back. Unfortunately, I was unable to reach anyone at Eppicard and I was told by a XXXX ( The bank on the back of the card is XXXX XXXX ) representative that they can't access Eppicard accounts from there system and there was no opportunity to email or chat live with anyone from Eppicard about the issue. This company has to be held accountable. 

Please find attached a copy of the police report card with case number, and a copy of the transaction statement. I will also contact for phone service provider if I need to, in order to prove how many times I have called this company to report this matter.
Product: Mortgage

One of the most powerful tools in a consumer 's box is the ability to pay down mortgages early. For many years I have gained equity at an amazing rate by taking my monthly mortgage payment, cutting it in half, rounding up a few dollars and making a half-payment on the first and XXXX of the month. Doing this causes my payments to apply to my principal at a much quicker rate, cutting years off my mortgage. 
I refinanced my home a few years ago in an effort to do business with a local bank, XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas, and not XXXX the big nationals that caused the financial meltdown. I made it clear how I wanted to make my payments, and they said it would be no problem. Then they sold my mortgage to XXXX the worst offenders of the financial crisis, Wells Fargo. 
Wells Fargo does not allow the immediate application of half payments, instead holding payments until an amount equaling the entire payment has been received. 
This has resulted in them receiving a payment on the XXXX of the month every month for the past XXXX years, holding it until the XXXX of the month, then adding it to that half payment and applying it to my account. This has cost me many XXXX of dollars, and I am angry about it. Wells Fargo refuses to change for me. 
I tried to refinance through XXXX XXXX XXXX, where they used to do it my way, but they no longer offer this service. I 'm sure if I go to other institutions they will sell my mortgage to one of the big banks who no longer apply payments as received. 
Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.
Product: Credit card or prepaid card

I asked for a Nordstrom store card in XX/XX/XXXX. In XX/XX/XXXX I ordered 5 pair of XXXX. I was not sent the right jeans and one pair I was charged double price. I was charged for 6 pairs of jeans. I believe that I was but I am unable to read the statements. There are no order numbers and no descriptions and no tax explanations. I ordered 4 items from Nordstrom XXXX Again there is no order number or tax description. The bill can not be read. And the changes were over my calculations. I returned all the items XX/XX/XXXX. USPS delivered 9 items to a Nordstrom in Iowa XX/XX/XXXX. I sent in my store credit card cut into pieces with a request to cancel my account. My online account with the order numbers was erased. I have gone over the returns and account 10 times. My credit bureaus have asked for clarification but there is no order number for the {$93.00}. Nordstrom claims I owe. I understand that Nordstrom doesnt have an accountant. Others have complained about their returns. It appears that there is a scam with returns ; there are no confirmations. I have called 10 times and they have called me names. Liar. Thief. Its an impossible situation.
Product: Credit reporting

Public lien on credit report i have previously disputed to have it removed cause it belongs to someone else with the similar name and same last XXXX digits of ssn but the full name is incorrect, birth date doesnt match or know address as well as the full ssn are different.
Product: Debt collection

Keep getting text messages from Tate & Kirlin Associate that I owe money. 
To vist XXXX They text me from XXXX Replied STOP but they still send texts
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX my membership account w/ fraud alerts for the past 4 years was hacked & hijacked from my access even with paid premium features that were to protect and recover this issue. My account sign-in info was changed to an XXXX email address keeping me from logging in and/or changing password to log in. Someone was applying for auto loans daily for a month causing dramatic drops in credit score, then numerous fraudulent entries started showing up on my report including extra ssi numbers, fraudulent addresses, a list of XXXX aliases when I've only used my real name all my life, fraudulent accounts claiming to be in collections when I've had no collections in my name in over 10 years. Each time I dispute this information, it shows back up on my report a couple of months later. Each time I call in, I'm sent on a " transfer cycle '' where I'm transferred back & forth to several depts for hours, then hung up on. Just to have to call in again, and go through the same treatment with nothing being rectified. My accounts that have been connected to XXXX XXXX were disconnected several times causing my score to plummet again, even while I've been working w/ XXXX other companies reporting timely payments to increase my score faster than usual. I've dropped XXXX points just in the past XXXX weeks and no one can expain this repetitive fraudulent activity to me even with fraud alerts, credit freeze, and I mailed/faxed in the police report at the very start of this ever increasing identity theft.
Product: Debt collection

I noticed that I have a collection account on my credit report from COMMONWEALTH FINANCIAL SYSTEMS for the amount of {$310.00} the original account being from XXXX XXXX XXXX. This charge was placed on my credit report on XX/XX/XXXX. When I called I found out the debt was from XXXX. This is 6 years ago and has just been placed on my credit report. I don't remember this service taking place. I have never been contacted for this debt since it supposedly occurred either. The state of Florida has a law that you are not allowed to collect on a debt more than XXXX years old. So this is wrong and is stopping me from being able to apply for a home loan. I have no recollection of this service occurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted each credit bureau to dispute items that did not belong to me that were reporting against my credit on XX/XX/2017. The only response that I received was from XXXX and they were able to remove all accounts I requested to be removed. It has been well over 30 days and I have n't received any information from Equifax or XXXX at all.
Product: Mortgage

In XX/XX/XXXX, I refinanced my mortgage with XXXX for XXXX. On or about the end of XX/XX/XXXX, we fell delinquent on our mortgage. My wife and I applied for assistance with the State of Pennsylvania, our application was approved and XXXX brought our mortgage current. At the time, we signed a note for approximately {$28000.00} ( which I am currently repaying ) and it is my understanding that this brought my mortgage fully current and my balance with XXXX was now {$220000.00}. Within 30 - 60 days of bringing my mortgage current, the loan was sold to Select Portfolio. Soon after Select received my mortgage, my mortgage was current but they contacted me to tell me that it was their policy that my property taxes and homeowners insurance would need to be escrowed. My wife and I were fine for several years, I was not delinquent but I am not sure that an escrow account was established as there was no change in my payment. In XX/XX/XXXX, my daughter passed away. I was on a fixed income and I was responsible for yet another funeral and I decided to contact the mortgage company to see if there was anything I could do to reduce my payment. Over the phone, the specialist was able to reduce my mortgage to {$230.00} from {$1500.00}. That is the amount that we began to pay on or about XX/XX/XXXX. I was under the impression that Select had established an escrow account and this was my payment. My wife died in XX/XX/XXXX, in XX/XX/XXXX, I received a notice that Select Portfolio needed to modify my mortgage because the escrow account was behind XXXX dollars. This was the first I knew that the escrow was behind. The balance of my mortgage went from {$220000.00} to {$250000.00}. They did help me modify the mortgage and my principal and interest payment is now {$330.00} and the escrow was approximately {$400.00} bringing my payment to approximately {$740.00}. I did not understand why my mortgage payment steadily increased though apparently it is the result of my escrow continually increasing. My question is how is my mortgage balance increasing when I am making my payments. In XX/XX/XXXX I received a call from a company called XXXX FL XXXX. According to a gentleman named XXXX, they had evidence my mortgage company Select Portfolio was mishandling my account and that if I could pay a fee of {$1500.00}, I would have the deed to my home free and clear. I was able to pay them {$400.00}, but they could not help me if I did n't pay the rest of the funds. I sent them my statements from both XXXX & SPS for that time period. Is it possible that there is a violation? I have not heard from XXXX since that time. I really just want to understand what has happened and if the balance of my mortgage is correct.