23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I mailed a payment on XX/XX/XXXX with the coupon and check to PHH Mortgage serviced by XXXX. I checked my account and saw the check had not cleared. I called and they confirmed they received the check however because it would pay the loan off they would hold my check for 10 days then process it. It is now 12 days later and multiple phone calls they still have not deposited the check. I'm up to 5 phone calls. On the back of the statement I receive every month it states : Payments received Monday through Saturday at the address on the payment coupon will be credited the date of receipt if 1 ) in US dollars in the form of a check drawn on a XXXX XXXX, and 2 ) received in the envelope provided with the coupon enclosed. I complied with both of these requirements. I did pay a bit more than what I owed to be sure I had enough to pay out the mortgage. They told me I have to wire my final payment. No where on the statement does it say I need to do that nor should I have to pay {$35.00} to wire money to them. My balance is very low. They also ARC the items ( ie turn the check into an ACH ) so their is not reason to not process this check. My account is current and never had a late payment and they can also see I have made a large payment the first quarter of every year to reduce principal.
Product: Credit card or prepaid card

I received a statement from Visa with a closing date of XXXX, balance showing was a credit of XXXX. I thought a vendor was going to mail me a check for a refund but they credited my Visa account. On XXXX I paid Visa my statement balance and I realized I was going to have a problem with a credit balance if they received the XXXX. They told me they had not received it. I have called numerous times for my refund and the best I am told is that I will get it but no time frame as to when. The reason is, " the amount is too large ''
Product: Credit reporting or other personal consumer reports

on or about XX/XX/year> i sent via certified mail commutation to XXXX regarding numerous instances in which XXXX have violated the FCRA by failing to follow reasonable procedures to assure maximum possible accuracy of information in consumer credit reports. 
XXXX utterly failed to take all necessary steps in insure FCRA guidelines and protocols are being meet. I have suffered irreparable damage to my person as a result of this. 
XXXX has failed to disclose the sources of information contained in a consumers file in response to consumers requests.
Product: Consumer Loan

Santander Bank has issued loans to someone else using my identity, I lost my wallet in XXXX several years ago and I have had several issues with ficticious accounts. I called them after receiving my credit report XX/XX/XXXX, and seeing this. Once I called they recorded my number and now they call me everyday on my new number. These account were opened in XXXX. I reside in XXXX. I even told them this. they said they would investigate however i just ran a copy of my report again and now it reporting as charge offs.
Product: Credit card or prepaid card

I notified the credit card companies after I found out about fraudulent charges on my credit card account. Upon notifying them, they ignored me and continued to pursue collection practices on charges that I did not make. Instead of investigating they continued to try to collect. I would like to pursue them for damages and having a negative reporting history to my credit reports.
Product: Payday loan, title loan, or personal loan

This is affiliated to complaint ID : XXXX In the letter received via the CFPB and XXXX XXXX, Escalated Complaint Specialist, it says my statement types were " The statement type was changed from None to Paper on XX/XX/2020, which would have started the paper statements on XX/XX/2020. However, because the system is down, it can not currently generate the paper statements. It is currently being fixed but we do not have an estimated time for its reinstatement. Attached is a copy of your payment history while being serviced by SST. '' I was told by SST that they could send me a statement via mail, but as they indicate their system is down ... so its been down for over 3 months now? 

They also failed to answer my question which was why can't we get access to our statements online? It seemed to me that SST doesn't have a mechanism in place to provide XXXX customers with a statement online through my account web portal. Whenever I click on statements, its always said since account inception, that my account doesn't have the ability to provision account statements online. This is why I called SST in XX/XX/2020 to tell them about this issue and ask why this was the case. This should be fixed as this is not normal market practice.
Product: Checking or savings account

On Monday XX/XX/24 at about XXXX pm I went to the Huntington Bank located on XXXX XXXX XXXX, XXXX, XXXX XXXX and deposited {$1300.00} in their atm. My account has not been credited yet. I have filed a dispute and I go to the bank every day since that day to see what can be done. I was told Tuesday XX/XX/24 by a bank employee that the atm was over by that exact amount. So what's the problem with me getting my money back? Everyday I am being told the same thing. That it is under review. How long does a review take? It didn't take that long for Huntington 's ATM to take my money. I would like to make a complaint against this bank because in my opinion, they are not treating this as if it's an issue. I feel like everyday they are just telling me something to get me out of there. I know there are camera 's on the atm that should be able to see exactly what happened.
Product: Credit card

I have filed a lawsuit against Bank of America XXXX BofA XXXX for billing disputes. I won a judgment in small claims court XX/XX/XXXX against BofA. BofA appealed the judgment and I am currently in the Court XXXX in PA for this matter. My credit card expired XX/XX/XXXX. I did not receive my new credit card from BofA. When I contacted BofA XX/XX/XXXX to inquire of my new card, I was advised that my address on file was not correct and the card was previously returned to BofA and that BofA would expedite sending to me a new card. In 2 weeks I had not received the new card. At that time I was advised that my account had been closed. My account was not delinquent. I believe that BofA closed my credit card account in retaliation to my legal claim against BofA for unfair billing practices. The credit card is an affinity card for my XXXX School XXXX XXXX. The card also has a 6.99 % interest rate which is very economically beneficial for me. I would like to have my card reopened by BofA as they had no reason to close my account.
Product: Student loan

Nelnet 's payments were not processing for a significant portion of the month of XXXX, and information incorrectly saying a payment was not made was reported to the US Dept of Education even though multiple attempts at making a payment were attempted and customer service was notified without a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without this consent to apply for several credit cards. While no accounts were established the fraudulent applications left inquiries on his credit report that have a negative impact of his credit information. The applications were submitted to CBNA/Best Buy XX/XX/XXXX, XXXX credit card XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Official disputes were mailed certified mail with return receipt to each office on the same date XX/XX/XXXX, as of this date none of these offices have replied to my client to the status of these disputes. This is a violation of the FCRA and my clients federal consumer rights.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX
Product: Mortgage

I was refinancing with SOFI XXXX CORP and was mislead about the cash amount that I would receive. I was told that I would receive $ XXXX cash back, which was the deciding factor, yet only received $ XXXX. I've talked with the company, who has acknowledged the error, to find a resolution but have been informed that it was a mistake and a resolution isn't necessary. I do not appreciate being deceived so I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request to XXXX Credit Bureaus about some negative information in my credit file. It seems they never cared at all. For this reason, I want you to assist me in correcting the negative accounts which are appear as late in my credit report. With this issue, I am not in satisfied of re-disputing the same accounts. I want the XXXX Credit Bureaus to be sure to present facts that these are reported efficiently as per the FCRA regulations. Please assist me in correcting these following accounts in my credit file : XXXX XXXX XXXX Balance : {$95000.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$3100.00}.
Product: Student loan

I have a Sallie Mae student loan, I had made my monthly payment on XXXX/XXXX/15 in full, {$130.00} and I requested a Forbearance at that time. I was told by XXXX in customer service that my Forbearance was indeed processed and I had nothing to worry about, as it was for ( 3 ) months. A few days later, I started receiving calls from Sallie Mae stating that my payment was past due for XXXX 2015. I called them and was told that There was never a forbearance placed on my account and that I would be going into collections if they did n't receive another payment for {$130.00}. I advised that I could n't afford another payment and that was why I asked on the last call. They took a financial stmt from me and said there was nothing that could be done. I called back on XXXX/XXXX/15 spoke to XXXX # XXXX and advised of all my prior calls and issues, he stated that he got permission from a supervisor to override the {$50.00} forbearance fee and process the forbearance through XXXX/XXXX/15 and if I wanted to request another XXXX, I 'd have to call back prior to that date and pay another {$50.00} to have it processed again. I called back that same day and spoke to XXXX to re-confirm that the forbearance was in effect, XXXX stated that it was and that he not only spoke to XXXX, but that he looked at my acct and it was showing there. Today is XXXX/XXXX/15, I started receiving calls from Sallie Mae stating that my acct was seriously past due and that I was headed to collections if they did n't receive a payment of {$270.00} before XXXX/XXXX/15. I called today and spoke to a supervisor # XXXX, she stated that none of the forbearance went through because I was past due in collections and had not paid the {$50.00}. I advised my entire situation and she said that there was nothing she could do and said for me to make the Min payment and come out of " collections, '' but I explained that was n't possible as I had trusted the Reps that I had spoken to at Sallie Mae and they mislead me to believe that my acct was in good standing in Forbearance. I am currently in an economic deferment with XXXX for my federal loans, and I advised that to the Supervisor. 
I do not know what to do and I have already paid off XXXX Sallie Mae loan last year, I have an impeccable credit report, am a single mother and do not want this to affect me negatively. 

Please help me!
Product: Credit reporting or other personal consumer reports

I submitted the dispute letters and I didnt get a response at all!!! Then I tried to dispute again and still did not get a reaponse
Product: Credit card

I defaulted on a Chase credit card due to our business going bankrupt after the real estate crash and our failed economy. I have been trying for years to settle the debt but Chase has written off my debt but refuses to remove the judgement from my credit report and a low credit score is keeping me from recovering financially from this loss. Chase holds my first and second mortgage and will not allow me to refinance. Why do the banks get bailed out, get to write off the bad debt, and still ding my credit report every month and will not do anything to remove this judgement form my credit report. Where are my rights here? I want to settle but I can ; t but no one keeps them from still hurting me as a consumer. This is 6 years old now. The Chase Judgement is for {$9800.00}, case # XXXX filed XXXX XXXX, 2010. HELP!!!!
Product: Payday loan, title loan, or personal loan

NOTICE OF BILLING ERROR. NOTICE OF VIOLATION OF PRIVACY. NOTICE OF IDENTITY THEFT. NOTICE OF FRAUD. Capital one bank sold consumers non public personal information to the credit reporting agencies. Pursuant to 15 usc 6802 obligations with respect to disclosures of personal information covers disclosures that needs to be disclosed conspicuously to inform consumer and not force undue influence by way of CAPITAL ONE BANKS willful noncompliance to the laws and disregard of consumers privacy rights. unalienable XXXX given rights that the consumer will not waiver. Consumer was never given the proper disclosures required to make the proper decisions based on family personal household needs. XXXX breached its obligations to report fair and accurately on the consumers behalf by not performing its grave responsibility and being willfully negligent in acquiring the proper disclosures necessary to furnish such information. No written consent was giving to CAPITAL ONE BANK or XXXX. These violations to the consumer has caused severe emotional and financial damages that has hindered my natural progression and caused a restraint in trade and commerce pursuant to 15 usc 1. Show proof and prove that you have consumers written consent to steal and damage consumers life and take away liberties granted from XXXX
Product: Vehicle loan or lease

I have attached the letter that I sent to this alleged creditor on XX/XX/2023 that was received by APG FINANCIAL, INC. on XX/XX/2023. With the exception of the CFPB complaint that was filed against the creditor on XX/XX/2023, I have yet to receive a response from from this creditor and its attorney, its officers for each and every communication I have sent. 

Please consider this my notice and request to provide me the following information : 1. Notice from APG FINANCIAL, INC. to me, the party whose credit record was subject to the negative credit report, that a negative credit report may be submitted to a credit reporting agency. 

2. Regarding the notice that was sent to me from XXXX XXXX XXXX in the name of APG FINANCIAL, XXXX on XX/XX/2023 I am requesting any and all documentation and communication relating to this alleged debt and the documents that show how APG got to the alleged deficiency balance. 

I am requesting a response within 21 days. I have included the correspondence exchanged with APG FINANCIAL , INC. and am seeking either the reiteration of the requested information or an explanation for the unavailability of any and all the information requested in the attached letter and this CFPB complaint.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have formally requested that capital one bank USA validate all trade line listings they have submitted to the three major credit reporting agencies. Due to possible in accuracies in these reports I demanded that the validation requested be in the form of a verified statement by a person with original knowledge of the debt who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer product, was not utilized as a profit loss tax deduction during the period it may have been payable, and was not claimed as a loss with and insuring entity during the period it may have been payable. I have requested competent evidence that I have some contractual obligation in relation to this trade line.

I have not received such evidence which constitutes a breach of my civil rights, thus these items must be removed. At this moment in history, I refuse to have my civil rights taken away from me as I watch what is happening to people of my race in this country who have not only been vastly affected by this pandemic economically, but who have also had their civil rights disregarded by those in authority.
Product: Credit card or prepaid card

My XXXX card was cancelled ( all cards with Comenity were cancelled ) and I paid off the balance due in XXXX of XXXX. I have NEVER been late with this company or any other in the last 5 years. I had always received e statements on this account. Apparently they added a minimum interest charge of XXXX to the account creating a balance due. I did not receive any statements or any other contact after that time until the second week of XXXX. I received a collection call telling me that I had a past due balance. the total amount is as follows : 1. Balance due XXXX Not shown online 2. Late charges XXXX x 2 XXXX 3. Minimum interest charge XXXX x 2 XXXX Total amount due XXXX Paid in full XX/XX/XXXX I talked on the phone with a representative and although I felt ripped off I paid the balance so as not to wreck my credit score. I asked if because this was a one off event if they would defer to record it to the credit bureaus. The representative was not helpful. The net result is that it dropped my credit score by 51 points. I would advise anyone to avoid Comenity at all cost, they are extremely dishonest and a complete rip off.
Product: Student loan

Last week i spoke to a rep regarding needing information that had my loan repayment amount and when the next annual review date would be so I could proceed with buying a house. I was not able to get the correct payment amount without the next annual review date. The rep was not able to access this information to me without submitting this as a correspondence letter. He said they are able to generate this as an email. He had not mentioned how long this would take. I contacted today, XX/XX/XXXX to follow up as I am signing a purchase agreement with a closing date of XX/XX/XXXX, that needs the annual review date they have given verbally over the phone. I waited 3 hours on the line and spoke to 3 supervisors that were not able to give me this information via email and said the letter would be reviewed to send in 7 weeks. We informed them about the closing date and the need for the letter. They have all the information and kept telling me my review date was XX/XX/XXXX and I asked if i could get a pdf scan of that page to submit while i wait for the letter and they said it has to go through a different company. I need this letter to close on a house.
Product: Credit card

On XX/XX/XXXX I received an alert from XXXX XXXX and other credit card companies I have that monitor my credit that an account was closed. Upon reviewing my accounts, I came to know that the Citibank Diamond Preferred account was closed due to inactivity. I admit I have not used the card in over a few years due to the fact I have several credit card accounts that offer better benefits and accent my spending trends better. I immediately called the customer service dept and informed them that I want the card opened and will willingly make a purchase using the card. I have a second credit card account with Citibank and have not used that card in over 2 years as well and that account was not closed. I understand the reason but do not understand how the company would close the account without any advance notification to allow me the opportunity to keep the account from being closed. I made 3 phone call attempts to have the account opened and was told by one representative that the process take 5-10 business days and they don't know if they would do a hard or soft credit inquiry. The second representative had me on the call for over 37 minutes, stated that an account specialist can have the account reviewed in 24 hours. The call dropped while I waited on hold and I didn't receive a call back nor any written proof of this actually happening. I recieved an email on XX/XX/XXXX indicating that the account will remain closed because I requested to keep the account closed. I did not request to have the account closed. I called on XX/XX/XXXX after reading the email and again was told my the agent that I can initiate the opening of the account and again it would take 5-10 business days for an account specialist to review the account. The call dropped due to me being at work needing to take an elevator and losing signal. I came to know the account was closed on Sunday, XX/XX/2024. A letter was generated and dated XX/XX/2024. I received the letter in the mail on XX/XX/2024. My complaint is how can you execute an action on the account without notifying me in advance of the action? If the account and all of my other lines of credit are in excellent condition, why would Citibank not provide me an opportunity to avoid the account being closed? Why is my other Citibank credit card account still open and active when I haven't used that card in over 15 months as well? I do not understand the bias, that lack of communication nor the inconsistent information being told to me verbally, in writing and email. Please help me to have my account opened without negatively impacting my credit health and credit score.
Product: Vehicle loan or lease

I have my automobile loan through BBVA Compass Bank. On XX/XX/18 and again on XX/XX/18 they withdrew my husbands truck payment twice out of our account, causing it to go into a negative balance. i have called BBVA and nobody was able to send the check back right then. They keep telling us it will be 7-10 business days. NOTHING has been sent to us yet. When we call them they always give us the run around about whats going on. I want my {$600.00} back that they took and will not return. Now the truck payment is due again and we are still out the {$600.00}. They through our bank account into the negative while we were on vacation and i was not around to do anything about it. it cost me {$60.00} in overdraft fees and another {$20.00} to transfer money. I will refinance this through another company. Also i spoke with a couple of different managers who all told me something different. This business is not professional at all!