23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I began the modification process in XX/XX/XXXX when I resumed payments from a COVID forbearance.seems clear to me that they are trying not to offer the assistance i requested because I went through a personal bankruptcy in XXXX and COVID did not help things. 

I have now submitted 3 separate modification requests, and the first two got closed without any notification on what was missing. This third application has been going on for over 6 months, and i have repeatedly emailed for a status or to see if they are missing anything. I have called several times, but the people on the phone never seem to be able to provide any update or clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Individual student loans were reported to the credit bureaus as in good standing. This provided my 28 year credit history. These were then removed and reported as one loan consolidated after I consolidated them and the 28 year history was removed which dropped my credit score due to it now only showing 7 month of credit history. These loans were supposed to stay on to show my 28 year history
Product: Credit card or prepaid card

My name is XXXX XXXX, I have been a capital one credit card member since 2012 and one of my oldest credit cards on file. 

Due to inactivity my account was closed with no prior warning, just an email stating my account was closed. Prior to that email, no warning was given. 


Due to the pandemic we are currently in, My capital one credit card was the last line of available credit I had & I was planning on utilizing it which now I am not able to do because of the account closure with no warning Im disappointed in the company and the lack of courtesy to advise their Members that their card will be closed if no activity, especially during a hard time like this given the coronavirus pandemic. 

Like I stated previously this credit card is one of my oldest credit cards, I have been a member since 2012 and have always been a loyal member to capital one.
Product: Credit card

Case number : XXXXWith all the letters that I have sent to Chase Bank requesting verification of an account I have received no letters from them back stating that they have received my letters that were sent certified mail. 

This raises other issues in addition to my complaint XXXX.
Product: Credit card or prepaid card

I have a Citibank Visa card issued for Costco. I was charged automatically on the bank card in XXXX for Coscos annual fee. I never received any notification by mail phone or email until XX/XX/XXXX ( text ) saying i owed money and needed to make a payment immediately. Calling them trying to get it Resolved I was constantly transferred around and then eventually disconnected. Also trying to do it online becoming disconnected. Still am not receiving a statement of any sort or any resolution other than to pay the late fees which has more than doubled the amount originally charged. Also trying to cancel the card with no success.
Product: Vehicle loan or lease

A car loan was opened fraudulently in my name by Capital One on XX/XX/2019 due to Identity Theft with a balance left of {$9100.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified XXXX XXXX compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Product: Mortgage

I wish to remain anonymous. Recently, I found out that ththe Loan Officer I am working with does not have aNMLS number. I searched on NMLS Consumer Accessbut her name does not exist on the database. I didfurther investigation and found out that she hascriminal history and was incarcerated because offinancial fraud. I find this very concerning. 
Her name XXXX XXXX and she advertises her company asPacific Financial XXXX XXXX XXXX # XXXX, CA XXXX request that you look into this serious matter andrequire her to obtain NMLS number if she is to workon loans. This is very concerning to us consumers. 
Please feel free to email me XXXXXXXXXXXX. Thank you for yourhelp in advance.
Product: Checking or savings account

On XX/XX/XXXX I got a letter from SunTrust telling me both my personal and business checking accounts were being closed. Both of these accounts had already been closed as early as mid-XX/XX/XXXX but I received the official closure letters on this date.

The letter says " At the time of account closure, SunTrust Fraud Risk Operations performed a thorough review to determine that status of the funds, if any, in your recently closed account. If it is determined that these funds, if any, should be returned, a check will be sent within 15 business days. If it is determined that these funds are not collectible by SunTrust, the remaining funds will be forfeited. '' It has since been over 15 business days and I received no checks for any of my accounts. I called them on XX/XX/XXXX and now they are telling me my funds are in reclamation until XX/XX/XXXX in case any institutions try to reverse the funds sent to me, and then after that date I have to wait again for the review process of my funds.

I do not understand why they are treating me like a criminal acting like my money is no good all of a sudden. I never had any institution do a reclamation on the funds in my bank account since opening my accounts with SunTrust over 2 years ago up until present day, so why are they making me go through this?

The only suspicious activity I can think of was a failed withdraw a few days before my final account was closed but this failure was the result of my local SunTrust branch not being cooperative and listening to me. I made the same withdraw on the same day at a different branch and provided everything asked of me, they can also review security footage and see I am the same person who banked with them since opening my accounts.

I tried calling them multiple times in the last few weeks to resolve this but they are maintaining that I must wait so I am filing this report now in hopes they will reconsider. I will wait a few more weeks and then I will go to my last resort which is taking SunTrust to court for the amount held, damages, and lawyer fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts recently on  XXXX   XXXX    XXXX  , the student loan was transferred and its being paid with   XXXX   and it appears in my credit  NelNet  with a default loan which hurts my credit.
Product: Credit reporting or other personal consumer reports

Back in XX/XX/XXXX of XXXX, I submitted a notarized fraud packet with an official police report to Equifax along with the other 2 credit bureaus letting them know that I am a victim of fraud. I listed a fake address as well as two fraud accounts which were XXXX XXXX and XXXX XXXX  as accounts that I never opened. 

XXXX XXXX and XXXX have since fixed the issue and my credit has been restored through those bureaus. Equifax on the other hand has not fixed anything. They haven't sent me any notices either. Because we are now in XXXX and nothing seems to have been done, I tried opening an account directly through myequifax.com to have this account disputed again, but I am unable to. It gives me a message saying I am unable to dispute because I already filed a dispute and it is under investigation. Although that may be true, my dispute began back in early XXXX of XXXX. Why is there still an investigation when the time limit to complete an investigation is only 30 days and it has been more than 60? 

On top of not receiving any results from Equifax, not having my account corrected, and not being able to initiate another dispute through their own website, I am now unable to get anything done via phone either. Today I went to a local credit repair company since I am fed up with nothing being done for me through my own efforts and they tried doing a conference call with me directly to Equifax so we could get to the bottom of this. That didn't work either. Equifax told us that they wouldn't do a conference call with us and could only be on a call with me directly. All I will say to that is you have to be kidding me... 

It gets even worse. The credit repair person let Equifax know that he had in fact just spoke with them on a three way call an hour previously for another individual who was having the same problem and Equifax was able to help them out. Due to privacy concerns and not being able to release information on someone else 's case personal information, all I heard was that it was for a XXXX XXXX. Also, without listening to the actual call, I was showed a phone record from today to the same number belonging to Equifax that we called with a total call time of 42 minutes and 10 seconds proving that Equifax had in fact been spoken to today. Why did one representative help another customer out but this one decided he didn't want to help me?

After a bit of arguing back and forth with the Equifax representative, the credit repair agent simply sked to speak to a supervisor as it was ridiculous that I wasn't being helped out and that they don't allow conference calls when he had personally just conducted one with them an hour earlier for the same reason. The bottom line is that after being put on hold for almost 10 minutes, we just hung up at the 20 minute mark.

I am filing this complaint to you because its crazy that Equifax either doesn't want to do their job, or they are making life difficult for me. XXXX and XXXX XXXX already deleted all the fraud items from my report without problems or hesitation, so why can't Equifax?
Product: Credit card or prepaid card

I received a fraud alert from CITI on XX/XX/XXXX about a transaction in the amount of {$690.00} on XX/XX/XXXX which I did not originally recognize, so CITI cancelled my credit card and sent me a new one ( my current card ). A few days later, I learned that my granddaughter to whom I had given permission to use my card, had used it to make that {$690.00} purchase ( XXXX XXXX order no. XXXX ). So I called and informed CITI that the {$690.00} charge was legitimate. This charge correctly shows up on my XX/XX/XXXX statement as rebill cm accepts ( XXXX ) and of course I am not disputing it. 

Also, at about the same time, on XX/XX/XXXX, my granddaughter cancelled the order and got an acknowledgement from XXXX XXXX. Subsequent to this, XXXX XXXX credited 75 % of the {$690.00} charge ( amounts to {$520.00} ) instead of the full amount as the product had already shipped and their third party retailer policy was to charge a 25 % restocking fee ( amount of {$170.00} ). This is the credit of {$520.00} which shows on my XX/XX/XXXX statement. 

Subsequent to this, upon my complaining about having to pay the {$170.00} restocking fee, XXXX XXXX sent a XXXX XXXX gift card on XX/XX/XXXX to XXXX XXXX as she is the one who had placed the original XXXX XXXX order no. XXXX. 

Therefore, the {$690.00} amount was fully refunded through a credit of {$520.00} to the CITI Card and a Gift Card for {$170.00}. 

There is no purchase in the amount of {$520.00} from XXXX XXXX or any other merchant for that matter. As such, the charge of {$520.00} on my XX/XX/XXXX statement is in error and I am disputing it and asking for an immediate credit in the same amount. 

I urged CITI to contact XXXX XXXX to verify everything I have explained and to contact me if further information was needed. 

I have repeatedly called and wrote a detailed letter, attaching all relevant information but CITI has not responded and the issue stays unresolved. 

I want CITI to credit the {$520.00}.
Product: Credit card or prepaid card

I got a few different store cards and had them for a long time.. had some financial problems and my credit score lowered.. XXXX XXXX closed my account.. I was making my payments.. I 'm just st waiting on you to close the others. I think it 's so unfair.. The XXXX store and now you have just closed my lowes card.. lowered credit line at XXXX XXXX.. thanks
Product: Credit card or prepaid card

I have a complaint pending with you for a company called XXXX XXXX, however this complaint for the company Fortiva Credit Card company. I had XXXX XXXX send them the bill pay, however they state they did not receive the payment. I have sent them proof such as bank statements, emails, etc. and Fortiva will not budge or help me. Fortiva would not even investigate the claims they keep telling me that the information is not enough. I am still out of {$150.00} and XXXX will not refund my funds. I truly do not know which company lying or what and I just want this to end. Today I closed my account with Fortiva and I close my account last week with XXXX and not chime will not even help me. I have emails from XX/XX/XXXX - XX/XX/XXXX ( today ).
Product: Debt collection

I have tried contacting everyone from my loan servicer, Navient, to the XXXX XXXX XXXX Ombudsman ... I have written documentation along with return receipts from my numerous attempts to apply for financial hardship. I only took out {$7500.00} in student loans with XXXX XXXX. I paid that much back in full. There is no way i couldv'e taken out over $ {$15000.00} in student loans in less than a calendar year ( plus I still had to buy textbooks out of pocket ). I attended the XXXX XXXX XXXX XXXX XXXX -- enough said. Even art institute will not reply. My credit is ruined because not only in navient loan on there, but every time they turn it over to someone else, its a new negative mark on my credit. I have begged for debt verification. No one will help me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that there was A fraudulent account On there and I want it removed because its hurting me from obtaining credit.
Product: Mortgage

Under the CARES Act, I requested a 180 day deferral from Wells Fargo. I was told that they do not offer this at the moment, and would need to see if I am eligible for this long of a deferral as they currently have me on a 90-day deferral which was completed before the CARES Act was passed.
Product: Credit card or prepaid card

Attempts to pay Discover automatically rerouted to customer services who delayed with chit chat until past XXXX XXXX  cut off and then added late fee. I kept saying may I pay now? Did not execute payment until XXXX XXXX EST, XX/XX/2020 still plenty of time before midnight. They documented payment as of next day XX/XX/2020 and stated late fee applied. Would not reverse when I called the next day. They have done this several times. I always pay on the XXXX. Best practices would be to credit when transactions are verified. It is their system error. They corrected in past but now say since it was corrected before, they will not correct THEIR mistake again. Millions of customers are being needlessly charged late fees.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, XXXX continue to report the same account multiple times on my consumer report. Which is causing me harm. This is inaccurate reporting. There are several inconsistencies listed from each reporting agency and I have repeatedly asked for the account to be deleted. This means XXXX, Experian, and XXXX continues to willfully violate federal which states they MUST report accurate information and validate any information that is believed to be inaccurate. This information has not been properly verified as the information is not consistent with each reporting agency which makes it impossible to validate as accurate. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, my car was broken into and my wallet was stolen from my car. My debit card was then used at a gas station for {$400.00} and {$420.00} charges. Wells Fargo Bank notified me of potentially fraudulent charges on my card and cancelled the {$420.00} charge. I followed up with the bank after realizing my things were stolen and informed them the {$400.00} charge was not made by me and was fraudulent and I would like to be refunded the amount. About two weeks later, I received a letter in the mail stating that they found the charges were not fraudulent and they would not be refunding me the {$400.00}. I called the number included with the letter and asked how they came to this conclusion. They stated that because my police report was filed after the event and the chip of the card was used in the transaction they could not determine I didn't make the charges. It was as if they had forgotten fraud can still happen in person and not only online. I asked to reopen the investigation but was informed it was at their discretion and they did not reopen it.
Product: Mortgage

Chase did not provide right to rescind paperwork which is a violation of RESPA. They must provide by law immediately.
Product: Mortgage

My x stopped me from making payments at XXXX XXXX at XXXX i already had a modification in place he changed my mail go my banking info.and personal info he refi.with out me knowing he got lines of credit he took my name off the note so i couldnt refi.it went to XXXX XXXX then he refied against n in XXXX XXXX XXXX found fraud on his paperwork the it went to shell point sevicing my fiance and i tryed to refi and was approved.my x was told by the court to sign off of the house he has not shell point refused my XXXX payment to pay off the house which i only owe XXXX the extra XXXX was a line of credit uses by my x.shell point wants to forclose at auction on XX/XX/XXXXto forgive the debt since shell point refused pat ment or my mod. I did througXX/XX/XXXX my home.ive spent over 10,000.00 on a attorny that didnt do anything.im trying to get a volenteer attorney to go to fed court
Product: Credit card or prepaid card

I filed a fraud claim on XX/XX/XXXX. This is the only claim I have ever reported on this card. I made a purchase for a couple dollars at a donut shop and my card was charged XXXX $ without my knowledge. I tried to contact the shop before disputing it with the bank and was not successful. I let the bank know this information and after reviewing my case they found this charge to not be fraudulent and having me pay it. This is the only purchase I have ever made a claim for. The fact that this bank can not help with something such as this makes me not want to have this card open that I spend lot of money on and pay good interest on.
Product: Checking or savings account

Ive been blocked by XXXX due to fraud and or identity theft
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 USR 1681. account name -XXXX account XXXX account name -XXXX Account number XXXX account name - XXXXXXXX XXXX XXXX Account number XXXX Account Name- XXXX XXXX Account number - XXXX Account Name-XXXX XXXXXXXX Account Number - XXXX Account Name XXXX XXXX Account Number- XXXX Account Name XXXX XXXX XXXX Account Number- XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX Account Number- XXXX Account Name XXXX XXXX XXXX Account Number - XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy. 15 U.S.C 1681 section 604 A section2. 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 reporting containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years, 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.