23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX dollars disappeared on my Chase savings account suddenly and never went back. Chase said it was transferred to XXXX but XXXX said they never received the money. Since the only account we have at XXXX is my husbands account, we checked that one and it received no money. Chase did not or has not send me any notification about that transfer. I was surprised to see the amount of money left in my account and made the investigation. They asked me to talk to XXXX but did not recover my money. XXXX said they never received the money. We have contacted with both banks on a daily basis but the only response given is to talk to the other bank. I think it is illegal to have client losing such a huge amount of money with no action taken.
Product: Mortgage

I have a mortgage with XXXX XXXX. I was making payments through the XXXX XXXX ( XXXX ) XXXX run by XXXX. Their customer service center number is XXXX. I called them on 6XX/XX/XXXX to close my account. They had already collected my XX/XX/XXXX mortgage payment in the amount of {$1500.00}. They told me upon closing my account, they would forward my last mortgage payment to XXXX. For the next week, I checked my XXXX account daily and the payment never posted. I paid the mortgage from my savings account as to not miss the XX/XX/XXXX deadline for the XXXX payment. Since XX/XX/XXXX, I have constantly called the XXXX XXXX XXXX and asked them to refund my money. They continually tell me one of three things : 1 ) the money is being sent to my mortgage company, 2 ) the money is going to be send back to my checking account and should post in two days, 3 ) the money is being overnighted to me in a check to my home. I still do not have my money and now over 4 weeks have passed since I closed my account. Please help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 name : # XXXX, Account name : # XXXX, has violated my rights. 

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 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.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit card

I was charged a late fee in XX/XX/2024 of {$29.00} because my payment was sent TOO EARLY. I received another late fee of {$49.00} in XXXX, for the same reason, TOO EARLY, but in addition the amount due for XXXX was not correct. I called the phone number given on my statement and was told this happened because it was not within the billing cycle. No where in my documents does it state I will be charged a late fee for an early payment. The technician I spoke with removed the second 'late ' fee, but would not remove the first even though, as I explained to him, that the error of the second fee was a result of the first late fee error. I want both late fees removed as nowhere does it say in the agreement documents or statements that a payment received early will incur a late fee. And since XXXX the minimum payment due that is shown is not correct and these statements should be fixed.
Product: Credit card or prepaid card

-I applied for an American Express Gold XXXX on XX/XX/2021. 

-American express sent me an adverse action notice via email on XX/XX/2021. 

-I called the application line on XX/XX/2021 for reconsideration and was told by a supervisor I would receive a call back. 

-No one ever called me back. 

I sent an offer rejected notice in response to the adverse action notice on XX/XX/XXXX which American Express received it on XX/XX/2021 Giving American Express an opportunity to cure as well as notifying American Express of default for the servicing of the credit application. 

-After that the application status changed from " Denied '' to " Processing '' - Called the reconsideration line again on XX/XX/XXXX to only be told AGAIN that they're sticking with their original decision. 

- XX/XX/XXXX I sent a FINAL counter offer via fax to American Express Bank explaining in grave detail how my application was a financial asset as well as self liquidating paper and to serve notice for my application to be accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice.

- Also to notify American Express that an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed some instances as to where it is reported wrong and a handful of late payments. The Credit reporting agencies should be going thoroughly with the most accurate information before the credit is publish. For this student loan i have never missed a payment for. I have proof that on an account that is linked to it, my credit report shows that I have never missed a payment for. I request a more thorough investigation as to why this is being reported on my credit report inaccurately, such statements, showing the late payments. If there is some reason this proof can not be given, I request these late payments be removed and updated on my credit report as I have been consistent with all of my payments on time. 
Account number
Product: Debt collection

Due to covid I am experiencing extreme difficulties with this debt I was in an accident on XX/XX/XXXX XXXX where I was struck by a car on the driver side of my Vehicle. My car was deemed a total loss, my insurance was actively pursuing the car that hit me insurance until ally finical closed my account and has written the account off as profit loss. I have sent Ally finical emails and letters to only get no response by the letters, no response by emails and to only to only get re directed to a 3rd party company by phone who now has my account for any answer in regards of my credit being affected and to pay off the account amount. Since Ally has written the account off as a profit loss they will not respond to be me and will not teat me like a customer I was before. I have paid my car note on time regardless of the car being totaled loss every month until my account was closed as profit loss by Ally When I contacted the 3rd party company XXXX XXXX, they insisted that they could not speak to me in regards of my credit and that I needed to pay them the remining balance. They offered me a settlement and told me that I needed to pay the settlement in order settle my account with ally. I have been trying to contact Ally directly and keep getting re directed by them back to this 3rd party company that is demanding me to pay almost XXXX in a settlement. I have recently paid XXXXXXXX XXXX  on XX/XX/2022 amount {$500.00} and on XX/XX/XXXX, to XXXX amount {$1000.00}. They have yet to send me any kind of receipt or email stating what I paid for nor the amount reflecting the changes. The only way I can see the payment is on ally finical account. I can not see the taxes or fees nor the contract of the settlement XXXX XXXX has written or charge me. I then told them that I will need to set up different or smaller payment arrangements due to covid. XXXX then told me my settlement would be voided and that the agreement would be off. Yet they continue to call but I am not allowed to speak with someone from ally in regards of my account being charged off and deemed a profit loss.
Product: Mortgage

Wed called and set-up an automatic payment with a representative for a one time {$1600.00} payment. Our mortgage is usually {$1300.00}. The extra {$300.00} was a one time payment to cover escrow costs. The company accidentally withdrew two payments. One for {$1600.00} on the XXXX of XXXX, and an additional {$1300.00} on the XXXX. This overdrew our bank account. After calling freedom mortgage, a representative told us they were sorry for the mistake, and that the funds would be available next day ( XX/XX/XXXX ). After discovering our account was still negative, we called and spoke to another representative. That representative reviewed the notes and told us the first representative said to send in a bank statement before they could process the refund. We were never told that. After speaking with the second representative, we sent the statement into Freedom Mortgage. The company acknowledged receiving our bank statements and the refund would be sent within three days. After three days, we called and spoke with another representative that told us the refund would be sent to us on the XXXX of XXXX. We called back today and now were being told the XXXX. 
Were usually very easy going customers. I understand that everyone, even large companies must try to adapt to the current situation. However, there appears to be no personal accountability with the company. Our bank account has been negative for 8 days. Weve received numerous overdraft fees. This has definitely been a difficult week, and were left trying to figure out how to get caught up again financially after all of this. I want to be clear in stating, that the representatives weve spoken to in the passed two days have tried everything they can to help. Unfortunately their hands appeared to be tied. We really do appreciate you looking into this. Thanks so much.
Product: Credit reporting or other personal consumer reports

The information reporting on my credit profile is inaccurate and I would like you validate that its belongs to me per accounts below : XXXX XX/XX/XXXXXXXX, XXXX. 
Balance : {$0.00} Account : XXXX Date Opened : XX/XX/2023XX/XX/XXXXXXXX XXXX, XXXX. 
Balance : {$0.00} Account : XXXX Date Opened : XX/XX/2023 Equifax : XX/XX/XXXXXXXX XXXX, XXXX XXXX : {$0.00} Account : XXXX Date Opened : XX/XX/2023 XXXX : XX/XX/XXXX XXXX : {$0.00} Account : XXXX Date Opened : XX/XX/2023 XXXX Balance : {$0.00} Account : XXXX Date Opened : XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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
Product: Debt collection

I am interested in disputing all inaccuracies on my credit report with Experian.
Product: Checking or savings account

I opened both a Citi priority  checking and Citi savings account online on XXXX XXXX. I was instantly approved and funded the accounts by a direct link to from my XXXX XXXX  account. {$5000.00} was sent to checking and {$10000.00} to savings. The money was accepted and withdrawn by Citibank. I received email confirmation of my accounts opening. On XXXX XXXX I received an email stating my accounts were blocked due to " security reasons to safeguard my information. '' I called citibank and was told I could not have the funds returned electronically. They would be sent via US Mail. The check would be sent by 60 business days. 

I do not understand how they can open accounts and accept money from me and THEN do the security check. I am unable to have access to my own money.
Product: Mortgage

On XX/XX/XXXX, we applied for re-finance our home. Got 2.75 rate with {$1500.00} point. 
Now they want us to pay {$11000.00} instead of {$1500.00}. They are not complying their GFE ( Good Faith Estimate ). They claim we did not lock the rate. when I showed several email to our loan officer XXXX to lock our rate he replied we are good we do not need to lock the rate. As soon as, we provided them the proof, their XXXX XXXX said XXXX policy " does not allow customer to lock rate. 
We are ready to close but they want us to pay extra {$11000.00} which is not according to original GFE.
Product: Credit reporting, credit repair services, or other personal consumer reports

609 Letters were sent to each Credit Bureau concerning third Party accounts ( Diversified Consultants , Inc. and   XXXX   XXXX   XXXX   ) that I have no account or contract with for removal of unlawful open/negative accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was removed as authorized user on this account years ago, but it is still reporting on my credit and when I call the bank, they can't give me any information on why it's still reporting on my credit, even after I was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX/ ACCOUNT NUMBER : XXXX, has violated my rights. 15 U.S.C 1681 SECTION 602 A. States i have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Mortgage

In an attempt to fend off foreclosure due to the pandemic and health issues, I have been forced to sell my only home. I have a current buyer me contract and a closing date of XX/XX/2021. This date falls squarely within the 90 day forbearance period currently granted to me. Like every other single correspondence ( or lack of correspondence ) with my loan servicer, LoanCare ( of XXXX  XXXX ), it has been one nightmare after another dating back to the time when LoanCare became my servicer. The latest and most pressing problem is getting the payoff amount of the current mortgage in order to close the sale of my home. I've tried calling, using their website, and emailing them on occasions too numerous to count. Calling is simply a fools errand - the last time I called in early XXXX, I waited on hold for 45 minutes in queue only to be disconnected. The LoanCare website does not work for me at all. The closing attorney company has tried reaching LoanCare numerous times as well without any luck - to the point where they solicited my assistance as though I had some magic solution to LoanCare 's incompetence. My real estate agent found an email address for me and I began emailing LoanCare over a week ago. Their first email response took at least 2 days and stated they needed more information which I immediately provided including my signature, my loan number, and my name as it appears on their documentation ( I would know this how? ). That was a week ago. No further response from them since. There also are unexplained charges which I've asked repeatedly for explanation and which have also fallen on deaf ears. I realize this company is less than honorable judging by the fines levied against them by the CFPB but I never thought they would obstruct paying off my note. With only 4 days until my closing, I am stuck between a rock and a hard place. If I can not get a payoff amount then I can not close and satisfy my note. If LoanCare continues to drag their feet long enough then they can foreclose on a home which seems to be their preferred way of doing business. I simply want LoanCare to do their job, provide me and the closing attorneys with my loan playoff amount, and then let me get as far from them as possible. Hopefully, one day the CFPB will put this company out of business once and for all. In closing, please contact me if I can assist in building a case against this horrible company. I will be more than happy to share my documented and nightmarish dealings with LoanCare with the CFPB and any other agencies involved with policing shady mortgage dealings. My LoanCare nightmare began the day XXXX closed its doors and transferred my mortgage to LoanCare and it continues to this day. Beyond sharing my experiences, I will gladly be a witness and detail the numerous obstructive practices LoanCare utilizes to foreclose on their customers. Finally and most importantly, before LoanCare, I had a perfect record paying my mortgage payments on time for over 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE NOT MINE. 
1 ) XXXX XXXX Partial Acct # XXXX 2 ) XXXX Partial Acct # XXXX .... 
3 ) XXXX XXXX XXXX Partial Acct # XXXX .... 
4 ) XXXX Partial Acct # XXXX .... 
XXXX ) XXXX Partial Acct # XXXX .... 

I DONT KNOW WHATS GOING ON BUT NONE OF THE ACCOUNTS LISTED ARE MINE THEY SHOULD NOT BE ON MY CREDIT REPORT.
Product: Mortgage

I am in an active bankruptcy and since my bankruptcy Ocwen Financial transferred my mortgage to PHH, during this process PHH transitioned there website to a new website and since then have continued to deny me access to my online account, therefore I can not see the status of my loan, confirm payments are received or see the balance. I have attempted to contact them multiple times via email and online support as well as calling them multiple times to no avail. The Customer Service Representatives continue to give me the run around and claim that  they can not give me any information over the phone regarding my account or balance and that they have restricted access to my online account and that I will need to contact an attorney to have them authorize my access to my account. Please note that prior to the company migrating to the new website I had no issues accessing my account or seeing my account balance or payment activity, payment due, escow balance, etc. The last time I was able to access my account was in XXXX of this year. Please advise if this is illegal as I feel I should not be restricted from accessing my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to an inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, which left my account vulnerable and unprotected. Their dispute resolution process was honestly unfair and deceptive as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act and regulation E. these actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX ( BALANCE ON THIS ACCOUNT IS INNACURATE ) XXXX XXXX XXXXXXXX XXXX 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 finish 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 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.