23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

During XXXX and XXXX of XXXX, a XXXX  wallet company named XXXX XXXX XXXX XXXX XXXXXXXX based out of XXXX XXXX took out close to {$8000.00} from my Citibank debit card, without my knowledge or consent, I contacted them to let them know about this and to demand that they return my money, they acknowledged that some rogue employees within their organization had in fact committed fraud, but there was nothing they could do about it, they asked that I dispute the transactions with Citibank directly, and they said that when Citibank contacted them about the fraud they would not fight it. I reached out to Citibank with this information and they started an investigation, within days they informed me that their investigation results pointed to the fact that I was responsible for those transactions, they never attempted to get in touch with XXXX XXXX, I asked if I could appeal that decision and they said they'd reinvestigate, a few days later they reached out to me with the same results, I asked for proof that they had spoken with XXXX XXXX, they neve sent any proof, XXXX XXXX told me that no one from Citibank ever got in touch with them, this happened three times, after that I just gave up.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX the company reporting me has having a 30-day late payment. I had balance of approximately {$35.00} and the account was paid in full and should have been reported late.
Product: Mortgage

I submitted my loan modification under HAMP guidelines and was denied recently on XXXX/XXXX/16. They provided me the NPV input values and I used those figures on the government XXXX website and it says that I should be approved! I want Shellpoint to approve my loan modification or give me a better and specific explanation of why and how they denied me.
Product: Debt collection

XXXX XXXX has failed to respond to my previous letter requesting proper validation of an alleged debt the company claims that I owe. Not only has XXXX XXXX ignored my letter, but they continue to report this erroneous item as correct on my XXXX, XXXX  and XXXX  report. To make matters worse, on XX/XX/2020 I received a letter from Convergent Outsourcing , Inc. in regards to the same deceitful XXXX XXXX debt. Not only does XXXX XXXX continue to falsely report this item as an active collection on my XXXX, XXXX  and XXXX  reports, but now a collection agency is attempting to collect from me on the same debt. Per the FDCPA, this nonsense is highly illegal, and Im now entitled to pursue litigation with both XXXX XXXX and Convergent Outsourcing, Inc. if this false XXXX XXXX debt is not removed from my XXXX, XXXX  and XXXX report immediately.
Product: Student loan

My balance actually goes UP every month. I have called, and sent numerous emails over the past 60 days with NO RETURN call. I get texts that ask If my Navient problem has been taken care of -- -I reply NO. Nothing else happens. I had been paying interest only for years and did not even realize it. NOticed my balance staying the same and made contact to increase my monthly payment. No balance is higher.
Product: Money transfer, virtual currency, or money service

on Saturday X/XX/17 my employeer tried to direct deposit XXXX it was rejected by my bank. According to 5/3 bank the routing number was incorrect. My employeer called 5/3 bank with me and was told the correct routing number and my employeer read out the routing number to make sure that it was correct. On X/XX/17 my employeer tried to direct deposit XXXX into my account again. Again it was rejected 5/3 bank stating that the routing number was wrong. We called and talked with four different personal that told us four different routing numbers that was associated with my account. As of right now my employeer is unable to direct deposit money into my account because of their errors. I have tried to work out the situation with 5/3 bank however, they just keep apologizing and telling me to try to have the company send the money again.
Product: Credit reporting or other personal consumer reports

Collection account information has inaccurate dates and is reported to a credit agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Account balance needs to be updated
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/ Amazon is reporting lates on my credit file. These lates are from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. During this time i was diagnosed with XXXX and was out of work for a few weeks. I have been trying to catch up on all my bills since COVID started and this set me back even more. I tried to make my payments on time but unfortunately i did have to miss this payment to be able to provide for my family, even then it was just the minimum. I am asking that SYNCB remove these lates from my credit file. I was late due to the global pandemic and had no control over getting XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reports show that I have lived in a town I have never lived at and shows and address I have never lived at along with phone numbers that have never been associated with me in the past
Product: Credit card or prepaid card

I received a debit/credit card in the mail for my Virginia state tax refund in the amount of {$580.00}. Shortly thereafter, I moved and put the letter with card attached in a moving box. I DID NOT activate the card or do anything with the letter and card. I decided to take care of it after my move. 

I recently found the card after unpacking boxes that were stored in my office storage room for a few years. The card had expired. I called the Go Program to find out if I could get a new card issued to me. I was told the balance was {$310.00} because I had activated the card years ago and was charged a {$5.00} per month inactivity fee. I NEVER activated the card.

After speaking with numerous agents and at least two people who called themselves supervisors, being kept on hold for a cumulative total of HOURS, after being rudely hung up on twice, after being spoken to VERY rudely, I decided to give up with the Go Program customer service and try to get relief online. Unfortunately, when I went on the Go Program website, there is no way to email them or to try to elevate the issue. The website simply directs people to call the same number that I had called several times to resolve my issue.

I went online to try to find out how to elevate this issue and get someone who could help me. All I found online were other horror stories about the Go Program and their horrendous customer service. Since I only had one card, one time, and read about others who have ongoing programs with the Go Program, I decided to cut my losses and learn my lesson. I tried to call back to get them to reissue me a card with the {$310.00} they said was remaining on my card, but lo and behold they never answered. I called numerous times and no one ever answered. Finally, I blocked my phone number and called again. Someone finally picked up, and I went through the process to get them to reissue me a new card and I did not dispute or even bring up with amount on the card. 

I totally think I was robbed of {$260.00} by the Go Program. I am 100 % certain I never activated the card. But I have no remedy for this complaint with Go Program. They don't seem to care one bit. I know I am not the only person who has had problems with the Go Program. I don't know if this complaint will matter in the least, but government entities need to stop using the Go Program.
Product: Credit card

I have made several payments to a company called XXXX. XXXX stated they didnt receive one of the payments. I showed them my statement where payment was deducted. That wasnt enough so I disputed the transaction with my credit card company navy federal credit union. I needed proof of transaction or batch information from navy federal, anything to prove I paid XXXX XXXX. Navy federal didnt even investigate like I requested. They closed the dispute stating I didnt provide enough information. They didnt ask for more so I could provide more information. I need proof of payment to prove to XXXX that I dont owe the balance they are stating I owe. Navy federal doesnt need to close case they need to honor my dispute and assist me with resolving this matter
Product: Payday loan, title loan, or personal loan

Emailed Customer service per their instructions the way to revoke auto withdrawls from bank account on  XX/XX/XXXX . They did not honor my request and withdrew on  XX/XX/XXXX  causing an overdraft.
Product: Credit card

I recently applied for a Bank of America XXXXXXXX XXXX I was approved and received the card. Its promo promised {$250.00} cash back ( aka XXXX points ) after my expenditures were met. I called a BofA rep, who assured me that I would receive {$250.00} cash XXXX points posted on the next billing cycle. I asked if I couId use the {$250.00} as a statement credit. The rep said yes. Thereafter, I met BofA 's expenditure criteria and received my points. During the redemption attempt, the following occurred : When I chose the cash back option, I was to be paid via snail mail check for a little over {$150.00}. No deal. I chose the better 2nd option, which was {$200.00} in gift cards. I received said cards. After redemption, with a bit over XXXX points remaining in my account, and less than BofA 's required minimum redemption amount, I was unable to obtain the last {$50.00} due me, which would have demanded more purchases on the card. I stopped using the card. Therefore, BofA falsely touted {$250.00} cash back for the XXXX points I had accumulated. I consider that a breach of contract. 

I wish to be contacted via email. I am an infrequent phone user, and my phone stays off.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name and address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, MD, XXXX XXXX XXXX XXXX, Washington XXXX DC, XXXX XXXX XXXX XXXX, Washington XXXX DC, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX
Product: Credit reporting or other personal consumer reports

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NOTICE TO CEASE AND DESIST Dear Sir/Madam, You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Product: Mortgage

In XXXX, 2020, I refinanced my mortgage with NewRez. Note that I already had my existing mortgage with NewRez and had hoped this would make the process simpler than switching mortgage companies. Unfortunately, during the refinancing process, NewRez made numerous intentional errors on all of the paperwork. In general, they kept trying to add services and fees onto my mortgage that I did not want to include ( e.g. homeowners insurance, homeowners association fees ) - I informed NewRez that these fees are not part of my current mortgage and that I do not want them to be included in my mortgage because I pay them myself. The only items that were to be included in the new mortgage were the principal payment, the interest, and an escrow account for my property taxes. I informed NewRez numerous times ( verbally and in writing ) that I did not want these items to be included, and I refused to sign the refinancing paperwork on numerous occasions because they kept trying to sneak items into the mortgage. Finally, NewRez seemed to have corrected the paperwork and I agreed to sign the final closing papers. However, since the loan closed, I've learned that NewRez has not abided by the terms of the signed mortgage papers. Unfortunately, NewRez set up my account incorrectly based on how they wanted my loan to be originally ( including adding these services that I did not want ) and never contacted the county where I pay my property taxes that I have an impound account. NewRez claims they have fixed the errors but when I log onto my account on the NewRez web site, I do not see that any corrections have been made.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1861 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 hem of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 16816-2 ( A ) ( a ) A person shail not furnish any information rolating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to information is inaccurate. Delete these hard inquiries accounts below XXXX XXXX XX/XX/2024
Product: Debt collection

I have sent three separate debt validation request via certified mail to Wakefield & Associates regarding an alleged debt that they are reporting on my credit file. They have yet to validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN TRYING TO GET THIS ACCOUNT RESOLVED SINCE XX/XX/ 2019. I HAVE INCLUDED A COUPLE OF THE LETTERS HERE TO SHOW YOU JUST HOW HARD I HAVE TIRED TO GET THIS ACCOUNT CORRECTED. THIS COMPANY EVEN THREATENED ME I HAVE INCLUDED THE LETTER HEAD HERE. THEY DID NOT ONCE COMPLETE VALIDATION FOR ME IF THEY WOULD HAVE PREFORMED A PROPER INVESTIGATION THIS ACCOUNT WOULD NOT STILL BE REPORTING AS OPENED. THIS COMPANY WAS ALSO HOLDING THE MONEY ORDERS THAT I WAS PLACING IN THE DROPBOX AND NOT PUTTING THEM TOWRDS MY PAYMENT SO THAT THEY COULD REPO MY TRUCK. THEY ALSO DAMAGED MY VEHICLE. PLEASE REVIEW ALL DOCUMENTATION AND LETTERS WELL. I WILL ALSO BE FORWARDING THIS INFORMATION TO A LAWYER AS XXXX XXXX AND EQUIFAX HAVE BEEN CAUSING ME AGUISH FOR THE LAST 2 YEARS. THEY HAVE CAUSED ME TO GET DENIED FOR THINGS THAT I WOULD HAVE GOT APPROVED FOR IF THIS ACCOUNT WAS NOT REPORTING INCORRECTLY. VERY UNOPROFESSIONAL I DID A BAD REVIEW FOR THIS COMPANY AND THEY ACTUALLY TIRED TO EMBRASS ME PUBLICLY ON XXXX TELLING PEOPLE I AM ALWAYS TRYING TO GET MY CREDIT FIXED. 

THIS COMPANY CLAIMED THEY SENT ME 3 RESPONSES AND I DID NOT RECEIVE THEM I ONLY RECEIVED THE ONE I HAVE. DO THEY HAVE PROOF THAT THEY ANSWERED MY REQUEST. I HAVE MY CERTIFIED MAIL SLIPS THAT SHOWS WHEN I CONTACTED AS WELL AS MY LETTERS. THIS UNPROFESSIONAL COMPANY SHOULD BE MADE TO FOLLOW THE LAW AND REMOVE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about inaccurate and incomplete information currently listed on my credit profile. The data in question is not in compliance with Metro 2 guidelines, and it is adversely affecting my creditworthiness, resulting in higher interest rates and missed opportunities for promotions at my current job. 

Below are the specific accounts that require immediate attention and correction : XXXX. XXXX XXXX XXXX Please delete XXXX. XXXX XXXX Please delete XXXX. XXXX XXXXXXXX Please delete XXXX. XXXX XXXX XXXX Please delete XXXX. XXXX XXXXXXXX Please delete XXXX. XXXX XXXX XXXX Please delete XXXX. XXXX XXXX XXXX Please delete XXXX. XXXX XXXXXXXX XXXX XXXX Please delete XXXX. XXXX XXXX XXXX Please delete XXXX. XXXX XXXX XXXX XXXX Please delete XXXX. XXXX XXXX Please delete XXXX. XXXXXXXX XXXX XXXX Please update to never late/pays as agreed XXXX. XXXX XXXX XXXX Please update to never late/pays as agreed I request that these accounts be removed and my credit profile updated accordingly, whether these accounts are currently reporting or not. The erroneous reporting on these accounts is causing significant harm to my credit profile and, consequently, to my financial well-being and professional life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting to Transunion that I have a {$4400.00} debt with them and that it is " Charged off as bad debt ''. This amount is incorrect ( it is much lower ) and I have been paying them in monthly installments. Account number listed is XXXX. This account must be removed from my Transunion credit report as XXXX XXXX is reporting the incorrect amount due and the account is not " charged off ''. I have been making monthly payments to pay it in full. I ask that XXXX XXXX stop spreading this false information and damaging my credit reputation with Transunion. Why am I even paying them if they can't keep accurate records? XXXX XXXX is harming me as a consumer and I ask that their false account record be removed from my Transunion credit report.
Product: Credit reporting or other personal consumer reports

Synchrony Bank will still not update the credit reports. 
I am doing a transfer and the new lender can't get the correct info off the website for XXXX or other as they won't update paid off accounts,. 

Care Credit, Car Credit and Paypal online.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a call from the landlord of my building. He stated they did not receive my check for the month of XXXX, which totals {$2200.00}. Every check is addressed to XXXX XXXX XXXX. I let him know I did in fact send my check and the money was no longer in my account. 

I checked my SOFI Checking Account to discover that my check was intercepted and my rent money was stolen. The check was intercepted and rewritten to the name XXXX XXXX, and cashed via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My rent check was stolen. 

Immediately, on the same day, XX/XX/XXXX, I called SOFI and speak to their fraud department. I give them all the details above. I am told they will work to recuperate my funds and there is nothing left to do on my end. I am told I will hear back in 10 business days. I do not hear back. 

On XX/XX/XXXX, I speak to SOFI Fraud Customer Service. I am told that I was misinformed by their team and in fact, I have to fill out an Affidavit of Forgery Form, which I must notarized. On XX/XX/XXXX, I send back the form and again, I am told I must wait 10 business days. XXXX does not give me an update once again. 

On XX/XX/XXXX, I call SOFI Fraud Customer Service again. SOFI shares that they never received the Affidavit of Forgery Form, and neglected to tell me. I check my account and I can see the attached affidavit, however, for whatever reason, SOFI can not. I resubmit my affidavit. I demand they confirm once they receive my affidavit. 

On XX/XX/XXXX, I received an email stating that they have received my affidavit. I am told this dispute can " take 21+ business days from the date we received your notarized affidavit, to resolve. The results of the investigation will be submitted to you in writing after completing our investigation. '' I do not hear back from SOFI until I call the Fraud Customer Service on XX/XX/XXXX asking for an update. I receive an email update where they state the following, " In regards to your claim dated XX/XX/XXXX concerning the above-reference transactions, we're sorry for the delay as we continue to work with the receiving bank regarding your claim. We had to file a bank to bank claim with the other financial institution and unfortunately, they do not have a required time limit to reply ... The results of the investigation will be submitted to you in writing within 3 business days after completing our investigation. '' On XX/XX/XXXX, I once again call SOFI as I do not hear back. They state they do not have new information at this time or an update. I receive an email that states that they acknowledge my experience. They still do not provide an update. 

On XX/XX/XXXX, I call SOFI Fraud Customer Service once again. Once again, they do not provide an update or any timeline. I am now behind on rent because this ordeal has continued for 7 months,
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to find accounts that dont belong to me, and I have no idea how this happened. Ive been checking my report regularly without issues, but today there were discrepancies that seemed to appear out of nowhere. I refreshed the browser, thinking it might just be a technical issue, but the incorrect accounts didnt go away. Im desperate for the documents I submitted to be reviewed thoroughly so I can stop living in fear over this.