23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Aimloan.com either 1 ) is committing fraud, 2 ) has provided poorly trained employees, 3 ) is understaffed and not able to effectively resolve issues in a timely manner. I contacted the company to inquire of them on XXXX XXXX, 2015 that the mortgage payoff was sent per their instructions on a house closing completed by XXXX XXXX XXXX XXXX, CO branch Office : XXXX on XXXX XXXX, 2015. Aimloan.com support department were unable to help me and would not escalate the case to a manager to research and solve the problem. The title company claims they followed the written instructions for the payoff exactly as provided by AIMLOAN.COM and the funds were wired through XXXX XXXX XXXX from XXXX XXXX on XXXX XXXX, the same day of closing on the sale of the property. Aimloan has now sent out numerous credit collection letters and will not work toward solving the problem within the 60 days allowed by law. 

Please note the XXXX Servicing Department Address : XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Department Telephone : XXXX would also note that when originating the loan there were also numerous issues again due to XXXX of the XXXX problems speculated at the beginning of the form.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/XXXX PayPal restricted my account forever. Then told me I'll be able for withdraw my rest of money after 6 month. After 6 month I got email about my funds are eligible for withdraw. After that I started trying to withdraw my money. But still XXXX XX/XX/XXXX I can't withdraw my money. They're not letting me add bank account & not letting me withdraw my money. Already I've send them minimum 100 emails & 50 times I've talked with them on call. Each time they told me try again after 24hr or 72 hr. Everytime I got same suggest & email reply. Still I'm not able for add bank & withdraw my hard working earning money.
Product: Credit card

I was given a complete statement sheet that showed every debit charged to my account and credit that I paid towards this card. This Excel sheet was provided by Capital One. The Excel sheet shows a difference from what Capital One says my account balance is. I've contacted 3 customer service agents and 3 managers with the company, and none of these people could acknowledge that capital one could make an accounting error.
Product: Debt collection

Monterey Collections sent me a bill from 2009 from a company called XXXX XXXX that went out of business and or went bankrupt. Several years ago I turned them in for harassment and illegal collection practices. I sent them a letter many years ago with a do not contact. They have now contacted me per mail to tell me to pay up to a company that does not exist and out of there statue of limitations per CA Penal Code 1748.10. The only way I knew of this matter was when I was cleaning up my credit report. They will list it as new to start the process all over again which is against the Federal Law. Several other companies do this as well. Including the County of XXXX XXXX who refuse to comply with any and all laws on paid off bills and judgements.
Product: Checking or savings account

In XX/XX/XXXX, I withdrew {$1000.00} to gift to my grandson for his wedding. In XX/XX/XXXX, I looked back in my bank records to see what I had gifted my grandson, because my 2nd grandson was getting married and I wanted to give him the same amount. Upon finding the withdrawal, I found the bank had actually withdrew {$10000.00}. However, I only received the {$1000.00}. 

When asking the bank manager, XXXX XXXX, ( First Horizon, XXXX, Alabama ), she " checked on '' it for about 30 minutes. She did provide a copy of the withdrawl slip. 
But this only confirms that the slip was tampered with because it it not in my handwriting. Then she came out and reported that the teller, XXXX?, had retired recently and they did not keep records or video surveillance beyond 6 months. I withdrew my money from the bank and deposited it at another local bank, XXXX. At XXXX, they told me that all banks should keep records for longer than 6 months. 

After contacting the home office of First Horizon in XXXX, TN, I was told that yes, this did not look like my handwriting and they would investigate through their fraud department. Three days later, they called and said they couldn't help. 

I feel like they are taking advantage of me because I am elderly. This money was my wife 's life insurance money. It was meant for me to survive on after her passing. {$9000.00} is nothing to a large bank, but it means survival for me. 

I have attached a copy of the withdrawal slip if you'd like to see it. The words " XXXX XXXX '' are not in my handwriting and the zeros have been changed. 

Also, my daughter is helping me file this complaint. If you have any questions, feel free to call her, XXXX XXXX, @ XXXX or via email at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On about XX/XX/2018,XX/XX/2018 and XX/XX/2018 I send the " Letter of Demand '' to 3 Major credit Bureau companies : XXXX, XXXX and TransUnion .

Only XXXX excepted my dispute and Completely deleted and removed some collections, unknown bank charges form their credit file.

The other 2 credit companies : XXXX and Transunion had fail to notify me the unauthorized charges from those Banks report to their credit file.

They only mail me the letter informed those charges were accurate. But did not provide me any prove evidence or document like Statements, invoice, balance due ... from their Banks show I own them.

Please help me to investigate and send a complain to XXXX and TransUnion again. Thank you
Product: Debt collection

This company called me numerous times before XXXX am and to XXXX XXXX were I had to block them. I do not owe these people money. I do not know who this company is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX I disputed a company called XXXX XXXX which was on my Transunion credit report twice for XXXX ( totaling XXXX ). My case number with Transunion is XXXX. Once I submitted the claim it stated that I needed to mail in the information, which I did a week later. A week after that the items were removed. The first week of XXXX I checked my credit report again, and one of the XXXX XXXX came back on my report for {$150.00} and it shows as a new account. I provided proof to Transunion that this item was paid directly to XXXX XXXX in the amount of XXXX back in XXXX  to all the credit bureaus. I attempted to resubmit another dispute which the online system would not allow and to contact Transunion because I am in the middle of the mortgage process and this is causing swings in my credit score. I have not received a response from Transunion. I also contacted XXXX XXXX via email but never received a response. This was done back in XXXX as well.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Payday loan, title loan, personal loan, or advance loan

I previously submitted a complaint against this company with XXXX XXXX XXXX XXXX and was assured that the necessary corrections would be made to my credit report by the company in response to the complaint. However, the company has gaslit me and ignored further requests after the request to annotate the matter as resolved was completed. This is extremely deceiving and has been time consuming on my end because I'm still fighting for this company to correct these issues and correct the incorrect information that was reported to my credit report that was caused at no blame to myself but the companies limitations for customer service, making a payment and their third-party business partners. I have attached previous correspondence stating that correction to my credit report would be made and this matter considered resolved and it is still not. I just would like them to correct this issue and some kind of oversight to ensure that the promises made are upheld not just for me to close my complaint and consider it resolved. Please help me. I am a military veteran with XXXX, and it is just so disheartening and really exacerbating my symptoms as I continue to be taken advantage of and lied to. I am a single mother doing all I can and businesses like Possible should be fined for the treatment of all the consumers listed on their complaint page, especially those who have honorably served our country and XXXX XXXX XXXX XXXX, so they are able to conduct business safely. Taking advantage is not okay and I should not have to submit another complaint because the other one was not completed. I just need someone, anyone, to help me with this company. Please. The loans in question are from XX/XX/year> - XX/XX/year>
Product: Debt collection

My household is continuing to receive calls from this company via an automated dialer. We answer the call, but no one is there. 

After the second call failure, my husband, XXXX XXXX, called back the number on the caller ID. XXXX - Operator ID XXXX was very confrontational and rude. He had no desire to try and help with this situation.
Product: Student loan

In 2009 I graduated with my XXXX XXXX in XXXX XXXX putting me at around {$42000.00} in student loan debt. I contacted my student loan servicer, Navient then Sallie Mae, via telephone regarding loan repayment plan and loan forgiveness as I qualify based on my employment. I asked specifically what I needed to do to initiate the 10 years of payments to qualify for loan forgiveness. The loan servicer stated that all I needed to do was start making payments and show proof of qualifying employment. The servicer reported that at ten years of active payments I just had to apply for loan forgiveness. I was informed the sliding scale payment option would be acceptable ( payments start out low then slowly increase as time goes by ). At no time did they state I needed to apply for the income driven repayment plan and had to switch my loan to a Direct Loan in order for the payments to qualify. All the while, anytime I changed jobs I submitted qualifying loan forgiveness employment proof to my loan servicer specifically showing my intentions to request loan forgiveness. Seven years later I contacted my loan servicer to submit updated proof of qualifying employment as I changed jobs, all the while actively making payments towards my loan in accordance to what my loan servicer had instructed. At that time I checked with Navient on what the process looked like for when I actually needed to apply for loan forgiveness. That was the first time I received information from my loan servicer that I had no qualifying payments, needed to switch to an income driven repayment plan, and switch my current federal loan to a Federal Direct Loan before I could start making qualifying payments. Seven years of responsible consistent payments were not counted towards loan forgiveness based on the misinformation provided to me by my loan servicer even though the amount I was paying monthly was similar to what loan forgiveness qualifying payments would have looked like. I attempted to reconcile this issue with Navient, as the company was aware of my intentions for loan forgiveness based on my initial request as well as ongoing submissions of proof of qualifying employment for loan forgiveness. Navient stated there is nothing can do and refused to make things right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020- My vehicle loan was paid the remaining XXXX XXXX   balance. I was informed it could take 7-10 business days to reflect as paid and closed on my credit report. I understood. 

XX/XX/2020-My phone app reflected the payment on my account, however, still was not showing as paid on my credit. Spoke with Ally on their webchat and was advised it would day 3-5 business days as they were slightly behind due to COVID-19. I understood. 

XX/XX/2020-Still no change to my credit report, contacted Ally via phone and was advised they would send an email to expedite my account being reported. I understood. 

XX/XX/2020-Still no change to my credit report. contacted Ally and stressed the importance of getting this rectified as I am trying to get a house and this account is causing some issues. I was advised it would take another 3-5 business days for them to expedite it ( again ) and she would send me a letter by mail stating it was paid in full so I could show the housing company as we waited for it to go through to credit. 

XX/XX/2020-Still no change to my credit report, never received the letter of paid in full status. 

XX/XX/2020-Housing company could not hold off on my application any longer and ran my credit. 

XX/XX/2020-Filed an online dispute with XXXX  in hopes that it would prompt Ally to update my account with accurate information. ( Dispute still pending as ofXX/XX/20 ) XX/XX/2020-Housing company denied my application because my debt to income ration was not accurate because Ally account is still showing as open and outstanding. 

XX/XX/2020-I checked my mailbox again for the letter, it was not there. Contacted Ally and asked for a supervisor. I was advised there was nothing they could do and was given another 7-10 business day response. It has been almost 3 months since this has been paid and now this is severely impacting my life by them not accurately reporting my account. I was told by the supervisor that they have not reported many accounts so I may not be the only person being impacted by this. 


I am currently XXXXXXXX XXXX XXXX and I NEED this house before they arrive. My apartment is not large enough and I can not do anything because Ally is stonewalling me with timelines that, in my opinion, are wrong. It has been well over the 7-10 business day timeline they gave me since the beginning. Now I will have to have another hard inquiry on my credit when I have to reapply for a house all over again once Ally does the right thing. 

When I attempt to log into my account to obtain the proof of payment, I get an error message. " You can't view the details for your closed vehicles accounts anymore. '' So they've marked it off in their system but refuse to report it to the credit bureaus.
Product: Credit card or prepaid card

I have been an Amazon credit card holder through Synchrony Bank for several years with a credit line of {$10000.00}. Account # XXXX and I have attempted to work with Synchrony 's customer service department ( XXXX ) XXXX on six different occasions since XX/XX/2022, to resolve a refund due in the amount of {$240.00} for a product returned to the seller. 

Despite providing Synchrony with proof of the return and an email from the seller acknowledging receipt of the returned product, Synchrony continues to drag its feet by not providing the refund or issuing a temporary credit to my account while they review my claim.

In frustration, and not wanting to jeopardize my credit score, I have paid my account in full and would request your team 's support in holding Synchrony accountable for not adhering to the required steps involving a credit card dispute. 

The product was returned to the seller on XX/XX/2022, via XXXX tracking # XXXX ( defective ), as well as the secondary replacement product on XX/XX/2022, via XXXX Tracking # XXXX and delivered to the seller 's dock door on XX/XX/2022, and signed for by XXXX. 

Order # XXXX XXXX XXXX $ {$240.00} email from the seller and provided to Synchrony - " Thank you for confirming that the return shipment was sent back. Amazon should have processed your refund automatically when you returned the replacement, and Im not sure why they havent processed the refund. We will have Amazon process your refund back to your account now, and they will send you a confirmation once its been processed. Please let us know if you need anything else, and sorry for the inconvenience ''.
Product: Credit card

-An unapproved transaction was made on XX/XX/XXXX to merchant called " XXXX XXXX XXXX '' in XXXX XXXX FL for {$80.00} on my Bank of America credit card -PDF of transaction receipt on Bank of America website shows no item description, no seller information, and an invalid merchant website -I have been in XXXX, XXXX XXXX since XX/XX/XXXX ; previous approved transactions on this same BOA card include payments at gas stations in XXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX, XXXX - showing that I was traveling north to XXXX -I am STILL in XXXX presently ( XX/XX/XXXX ) ; I have statements from my other credit cards that show transactions consistently made in XXXX from XX/XX/XXXX - XX/XX/XXXX -I have had my credit card in my possession the entire time, and the card was installed on apple wallet on my personal mobile phone -I have not used this BOA credit card at any merchant since XX/XX/XXXX -Merchant 's address on Bank of America differs from address found on XXXX XXXX - the merchant, or " XXXX XXXX '' is currently at my previous address, to where all of my Bank of America mailing communications was sent before I changed the address in my BOA profile -XXXX XXXX moved into the shop I had left to travel to XXXX ( as confirmed by XXXXXXXX XXXX XXXX XXXX XXXXXXXX and friends that still reside XXXX XXXXXXXX XXXX ) -I noticed the fraudulent transaction on XX/XX/XXXX ( due to not using the card since arriving in XXXX ) and filed a fraud claim with a Bank of America associate -I received a resolution letter from Bank of America dated XX/XX/XXXX DENYING the fraudulent claim and forcing me to pay the amount
Product: Credit reporting or other personal consumer reports

Hard inquiries from XXXX  XXXX on XX/XX/year> Called Experian to get it removed but they didnt help, I want these inquiries to be deleted on Experian, XXXX XXXX and XXXX I did not authorize these companies to run my credit report, under the USC 15 Section.
Product: Credit reporting or other personal consumer reports

Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sirs : I understand that you have enforcement powers against credit bureaus under 15 U.S.C. s 1681s. Therefore, I wish to lodge a complaint with you so that you may be aware of and be able to act upon a matter of abuse of that Consumer Reporting Act. 

Name of Credit Bureau : EXPERIAN This Credit Bureau has refused to comply with its obligations under the Fair Credit Reporting Act. The substance of my complaint is as follows : The following account is the result of identity theft. 
Fraudulent account name : XXXX XXXX XXXX Fraudulent account number:XXXX Dispute Reason : This account is an identity theft and was opened without my authorization. 
This account is not mine. I have never had any kind of commercial relationship with this company. 
I do not understand how this account can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions on my behalf, much less reach an of course, payment arrears. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-oscar, or any other means of automated verification. 
Please delete this account immediately as required by the Fair Credit Reporting Act Seccion 609e.

Please investigate this matter and inform me of the result. The undersigned would be happy to furnish full particulars to you if you need further information for enforcement proceedings.
Product: Money transfer, virtual currency, or money service

A XXXX dollar withdrawl and XXXX withrawl was drawn fro. My bank moble acoount through my school occc banks disclosing my info and authoriztion on statments chase XXXX XXXX human departmant of services says i dont qualify for unemployment ssdi denied me twice i dont recive pensions but my credit report says morgage loans car loans credi cards my name i s XXXX XXXX i live in XXXX oklahoma XXXX XXXX i live in public housing and recive a XXXX utility check a group of people broke in my home i. XXXX and stole my car crefitantials and id bank numbers deeds trust i belive i was institutionalized from XXXX to XXXX there's cameras on the property i went to managment and sh e gave me security number they stole my goverment phone my XXXX hp computer with important files in pertaning confidintal things my will wishes deeds medical info XXXX XXXX accounts and XXXX XXXX ive been a target of theft i sent the documents to the 3 credit bureus in XXXX of XX/XX/2018 they havent delevered me anything i gave them copies of social w2s and id but i moved since then to XXXX XXXX XXXX XXXX XXXX i need help recoverng my life and ownership back. Chase trust banks and all. Other banks i contacted said i hold no accounts iras accounts or buisness accounts i feel like i been diqscriminated aginst with fair housing having me appeal the denial of access
Product: Vehicle loan or lease

On XX/XX/, I made my final payment on my auto loan with PenFed Credit Union for my car loan. The bank has not provided the car title documents for my car. I called customer service and they claim to have sent the documents, but do not have a tracking number or any evidence that they sent the documents. I have requested the bank to agree to reimburse me for any fees that I would have to pay to obtain a copy of the title, but the bank has refused to make that commitment. 

In summary, the bank is not taking any responsibility for ensuring the title documents are provided to me or any of the fees that may be required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is providing false and inaccurate information on my credit report. The date, the balance, and all the information on my credit report is wrong. So today XX/XX/XXXX another collection showed up on my credit report with different dates and balance. So now Im showing two collections on my report from the original creditor being capital one. The balance should show XXXX.