23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I got a {$75.00} American Express virtual reward card. I have tried to use it at many many different online stores, and it will not work anywhere. I have called customer service multiple times. They tell me websites it will work on and to try there, but it does not. This is ridiculous and customer service is no help.
Product: Mortgage

I am a XXXX veteran in Texas. 

XXXX acquired my XXXX XXXX I did my research and learned that NationStar/Mr.Cooper is not allowed to handle VA mortgages XXXX 

XXXX arrived a few months months later. 

I started the COVID forbearance plan when NationstarXXXX Mr. Cooper offered the forbearance plan to me.

As I just started my business I did not qualify for any assistance. 
Self-Employed : No unemployment Self-Employed : No PP loan as I did not have a financial record to show cash flow. 

Under verbal communication I was told at the beginning the loan would be modified and the loan would be modified and a refinance option would be available when I would be able to start making payments. 

I tried selling the home with the XXXX forbearance price that Nationstar/Mr.Cooper said was the adjusted cost of the mortgage. The house never sold as it was overpriced. 
When I told Mr. Cooper the forbearance fee was to much and the house was priced out of market, Mr. Cooper would not lower the fee or negotiate a settlement. 
When I reached out for assistance the forbearance fee was so large, I did not qualify for assistance. 

I had to file for bankruptcy to try to save the house. 

Mr. Cooper priced the house of market and I could not sell the house. 

Even when I was on a contract making {$500.00} a day, Mr. Cooper refused to take payments on the mortgage. Mr. Coopers response stated that I had to make the COVID forbearance fee in full. 

I have had multiple attorneys tell me that Mr. Cooper violated multiple laws, but I can not afford to add more legal fees on top of my Dad 's medical fees. 

My Dad who is also a XXXX veteran has to stay in veteran community home because I have no idea when I will be forced to leave this residence. Therefore I can not have my Dad live with me for his end of life.
Product: Money transfer, virtual currency, or money service

I was selling a mattress on XXXX for {$150.00}. I received an email from an interested buyer. Email shows the following info about him. 

Name : " XXXX XXXX '' Email : " XXXX '' Phone : XXXX XXXX XXXX XXXX I contacted him over the phone and he said that he is out for work but will send cashier 's check via mail. I was ok with that as I wasn't aware of the cashier 's check scams on XXXX. He sent a cashier 's check of {$1900.00} and mentioned that his assistant created this check to pay the movers {$1800.00} once check is deposited. So, I deposited the check on XX/XX/2020 and waited for the money to be available. The check info is added on the recipient bank above but actually it is the sender. On Monday afternoon XX/XX/2020, the money was available in my account. He messaged me to inquire if the money is available to which I said yes. So, he gave me the address " XXXX '' to send {$1800.00} ( {$1900.00} - {$150.00} of mattress ) to the movers via Zelle. I did that through my bank, which has the option to send money using Zelle. Once I gave him a proof of transaction, he said he will schedule the pickup of mattress shortly. The next day, I looked at my account for a different reason ( second stimulus checks ) and found a hold on his check. I texted him that there was a hold today and he return the {$1800.00} until the hold is removed. He said he would do that. At that time, I felt bad about this situation and searched online to find XXXX scams using cashier 's checks. I was worried but it was already XXXX XXXX. So I waited till next morning to call my bank and report this. I checked my bank and he had not refunded the money which I expected. My bank opened a fraud case and I am currently waiting to hear back on this case. I called him and texted but there is no answer. 

Zelle and Banks should protect clients from such scams/fraud by allowing revert of transactions that are declared fraud/scams. 

I have all the info available including the text discussion.
Product: Credit card or prepaid card

On XX/XX/2021 I submitted an online Credit Card Application for the BankAmericard Secured Credit Card. 

On XX/XX/2021 I received a denial letter from Bank of America, however their letter specifies that I applied for the " BankAmericard XXXX XXXX  XXXX ''. I have attempted to obtain clarification from the financial institution, I have made various telephone calls & provided the reference number located on my letter and apparently there is not one single live agent that can provide me with clarity as to why a person rebuilding credit is being denied for a Secured Credit Card. At that point the agents requested I mail a written request for additional information and reconsideration. 

On XX/XX/2021 I attempted to send written correspondence via XXXX to the address provided by a live agent at Bank of America Credit Card Services. the address provided was XXXX. XXXX XXXX XXXX, VA XXXX with the attention to Credit Department. This letter was returned back to me by XXXX on XX/XX/2021 as, " Return to Sender, Attempted - Not Known, Unable to Forward ''.
Product: Vehicle loan or lease

On XX/XX/XXXX, I contacted my bank, USAA, to set up an auto loan to purchase a new vehicle. The rep was helpful and set everything up while we were on the phone. As part of the process, the rep offered " Total Loss Protection '' on the loan for {$290.00}. I stated I wasn't sure if my auto insurance ( also through USAA ) already had Total Loss Protection coverage on it, but the rep assured me I could " call in and cancel '' the Total Loss Protection at any time within 60 days and it would be refunded immediately if I had coverage / did not want it. I was told the {$290.00} for the Total Loss Protection could not be put on the loan, but would need to be payed upfront, on a credit card. After being reassured, again, that the {$290.00} could be easily refunded with a " quick phone call '', I went ahead and authorized the payment. 
I picked up the vehicle on XX/XX/XXXX, checked my insurance coverage shortly thereafter, and found my auto insurance plan did indeed offer Total Loss coverage. I called USAA to cancel the Total Loss Protection on the loan and request a refund. After 58 minutes and multiple transfers, I was told canceling the Total Loss would not result in a refund to the credit card I paid with. I was told once I provided a written request, {$290.00} would be applied to the back-end of my auto loan. I let USAA know this was not what I had agreed to, and was not pleased. They reviewed the initial call with their rep, acknowledged that she did " perhaps '' misrepresent the method of refund, but would do nothing to rectify the situation. 
Thus began an epic battle to even obtain the {$290.00} principal payment ( which, as of this writing, I still have not seen ). Multiple phone calls ( many of them an hour or longer ), online " chats '' with reps, broken email links, faxes sent, and hours wasted. I have never seen such obstacles placed to obtaining a refund for an unwanted and misrepresented product. In the 13 years I have been a member at USAA, I have never experienced such rudeness ( and at times, such thinly veiled hostility ) as I have over these last few weeks in dealing with this. 
All I asked was for USAA to do as they said : initially, the expectation was for a " quick and easy refund '' if I cancelled the Total Loss Protection ; now I am just hoping for the " principal payment '' on the loan in the amount they owe me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated my student loans in the Fall of 2017. I had been in default on my student loans for over 14 years, and none of them reflected on my credit report. After consolidation all but one of the Department of Education servicers correctly reported my status to the CRA 's. For unknown reasons Heartland Educational Computer Systems Inc. ( ECSI ) incorrectly listed the loans as delinquent for 3 years ( XXXX ). I disputed the information with all three credit agencies and Heartland ECSI did not retract the ineligible information. I've contacted Heartland ECSI repeatedly and they acknowledge the data is incorrect and advised that a " Supervisor '' will contact me at a later date. No one from Heartland ECSI has ever attempted to contact me. At this point the negative reporting is preventing my credit rating from rising to the Prime rate. I'm currently a XXXX  in the XXXX XXXX here at my University. This may inhibit prospective employers from hiring me. I would rather not file a complaint, but I don't see any other alternative to correct the problem.
Product: Checking or savings account

Dear Sir/Madam : Last XXXX, HSBC was offering customers welcome bonus ( or sign on bonus ) after opening a new account, and I fulfilled all their requirements. Six months after I opened my advanced checking account, when I contacted them inquiring about the bonus, they tried to find various excuses such as I didn't place an initial deposit of {$10000.00} ( the requirement was actually {$5000.00} which I did fulfill ), I have no direct deposit while I do deposit {$250.00} of my paycheck biweekly for nearly six months already, or even saying my paycheck deposit is not direct deposit etc ..., HSBC bank is trying all its best to refuse to honor the offer, and I can not believe they can cheat customers like this. 

By the way, I am not the only who they cheated, when I searched online, there are so many complains about this fraud and they are still advertising the bonus offer now ..., and I am just wondering why there is no regulatory agency to stop this fraud?
Product: Credit card or prepaid card

I rented a car from XXXX in XXXX from XX/XX/XXXX to XXXX, 2021. I charged it to my Capital One credit card, and waived the XXXX collision damage waiver charges on the rental contract, in accordance with the XXXX card benefit that Capital One offers. On returning the car as per my reservation, the attendant noted a tiny paint chip on the front fender, and insisted that we file a damage report ; I resisted, since I had not even noticed the " damage '', and there were other dings recorded on departure documents : this was not a new, pristine vehicle. The attendant assured me that the report was only a " hold '' on my credit card ( for XXXX euros ), and actual charge would be adjusted once the " damage '' was assessed. XXXX, however, immediately placed a charge on my account for the full amount : XXXX US dollars. I disputed this charge with Cap One as soon as I saw it, and it was removed. I was told to wait for correspondence and instructions on how to submit my documentation ; thirty days elapsed, and the charge was reinstated. My correspondence with XXXX produced a bogus repair invoice. I again contacted Cap One and got a link to upload documentation, which I did. XXXX XXXX, the charge appeared again : Cap One said too much time had passed. I then filed a claim with the XXXX benefit insurance to cover the collision damage waiver : their response was " no coverage in XXXX or XXXX ''. While XXXX is largely to blame for the extortionate repair claim, Cap One has reneged on their promise of customer assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have attached in my letters have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than XXXX XXXX 

15 USC 1681s-2 ( A ) ( 1 ) states 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
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexus is reporting the wrong information about my property loss history. I have try twice with them to correct the problem. My insurance XXXX confirmed to them that those losses was not homeowners related rather a electronic repairs. With all that LexisNexus is keeping this information on my property report that is not allowing me get affordable homeowners insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 item of information, other than records of convictions of crimes which antedates the report b 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. 

, Account name : XXXX Account # XXXX, Account name : XXXX XXXX  Account # XXXX has violated my rights. 
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
Product: Consumer Loan

On XXXX XXXX, 2015 I was in an accident where my car was totaled by the other party. The insurance company as well as I have been requesting documents from Ally Financial to send so they are paid. I have called every other day since finding out that car was totaled and what was needed for the insurance company to issue payment. Ally has sent the documents twice with the wrong information which is baffling to me because I was on the phone when the Ally rep repeated the correct amount to the insurance agent. I, along with an insurance representative spoke to a representative for Ally on Tuesday, XXXX XXXX, 2015 and we were told that it could be another week before they receive the proper documents. This alone poses another problem because interest is accruing during this process and my Gap insurance ca n't payout until the insurance company pays and the insurance company ca n't pay until they receive the proper documents from Ally. This has been frustrating and very time consuming with the numerous calls that have been made and the wait times to speak with someone. In addition to the documents being delayed an insurance rep and myself spoke with an Ally representative on XXXX XXXX, 2015 who knowingly lied about faxing documents and saying they would be received within an hour. The Ally rep was caught in the lie when the insurance rep asked her to verify the information and she could n't. This has made me believe that Ally is n't interested in closing out this account and surely not in a timely manner.
Product: Mortgage

The servicing of our mortgage loan was transferred as of XX/XX/2024. We received a letter from the previous servicer stating that our mortgage servicing was being transferred and that if we wanted to make a payment, we could do so by sending the payment on or after XX/XX/XXXX  to Shellpoint Mortgage Servicing, Payment Processing, XXXX XXXX XXXX, XXXX, TX XXXX with a phone number of ( XXXX ) XXXX. There is no way that I am sending a payment to this company without a coupon or even a loan number. I tried to call the phone number that was on the letter, but you need a loan number to even talk to a real person. If you have no loan number, the phone just hangs up. In addition, I signed up on their website, and again, could not make a payment because I don't have my new loan number. So, then I called the prior mortgage company, XXXX XXXX  at ( XXXX ) XXXX to ask how I can make my XXXX payment. They did not have an answer for me. They told me that I should have received a letter from Shellpoint by now and when I told them that I had not received anything from Shellpoint, they said I should just wait a couple of weeks to see if I get my letter. I asked what I should do if I didn't get a letter and the woman told me that she didn't know because Movement Mortgage would not have the information and therefore, could not help me. She also told me that any late charges would be waived with Shellpoint for the next 60 days, but I know that each day after XXXX that the payment isn't made will accrue more interest. The transfer of this loan and particularly the lack of communication/customer service from the new company is unacceptable. I need my new loan number as soon as possible.
Product: Checking or savings account

I requested chime to reopen my unauthorized transaction dispute for two transactions I did not make and it was denied. I sent them my location history and transactions I made before and after the fraudulent transactions were made. The unauthorized transactions occured in a different town over an hour away minutes after I made authorized transactions in my home town and apparently they still think it's not inconsistent enough to believe my dispute.
Product: Mortgage

I bought my home on XX/XX/XXXX and it has always been owned by XXXX XXXX but it has been suddenly sold to some other entity without my knowledge in the midst of covid-19 pandemic.i am currently on moratorium status. 
As of today XX/XX/XXXX my servicer will be XXXX XXXX XXXX telephone # XXXX and previous servicer was no Morgan chase bank telephone # XXXX. 
Is this action legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXXXXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXXXXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 7. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 13. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
18. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
19. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
20. there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
21. there is some inaccurate information reporting. 
Account Number : XXXX Delete this account.
Product: Credit card or prepaid card

I purchased an airline ticket from AmEx travel. I changed my ticket with XXXX ( not American ) because AmEx travel online had very long hold times, and XXXX travel told me they can't help with an online ticket. American told me to call XXXX, and so I did. My ticket was initially an American ticket for travel on XXXX. Any cancellation would result in credit with American. XXXX never informed me their change would completely change the rules of my ticket going forward. AmEx travel acknowledged this should never have been done by XXXX and was their mistake. American agrees it was a mistake XXXX made, but they can't fix it. I do not need credit on XXXX, and purchased my ticket through American specifically so if I had any changes my credit would be there. I disputed half the cost of both of those tickets for I have reasons stated. If AmEx travel or American Airlines, the two parties involved in selling my ticket, request back up for why I am disputing, I am glad to reiterate what I stated above and several times before, that the ticket rules were changed on me, and I am no longer able to get AA credit as was the rules at the time the ticket was sold. I am confident that I am correct that I should not be penalized or negatively impacted by mistakes made by XXXX. Amex travel refused to refund me, and Amex resolved the dispute internally, against themselves, in their favor. 

XXXX Ref. XXXX and Ref. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX and Experian Show different Date and year of Last Active. XXXX Shows XX/XX/XXXX. and Experian Shows XX/XX/XXXX how is this possible? this is inaccurate and a violation of the FCRA and needs to be Deleted.
Product: Credit reporting or other personal consumer reports

Equifax had assured me that they would remove the unauthorized hard inquiry by XXXX XXXX XXXX Bank XXXX 30 days of XX/XX/XXXX. Despite the persistent and numerous attempts, along with the submission of relevant documents by XXXX XXXX XXXX Bank XXXX XXXX inquiry remains on my report. 
I urge you to direct Equifax to promptly remove my unauthorized XXXX XXXX. Despite repeated attempts, Equifax still needs to honor their promises of swift removal, leaving the unauthorized hard inquiry of XXXX, dated XX/XX/XXXX, on my report, to be removed.