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

Using Wise ( Transferwise ), I sent funds to a friend in XXXX on XXXX, XXXX, and XXXX using my XXXX XXXX card. Normally, I transfer funds to XXXX from my XXXX XXXX  account, but there were technical issues accessing XXXX, according to XXXX. Afterwards, I discovered that XXXX charged a {$10.00} cash advance fee for each transfer. I have not used a credit card like this before, but there was no disclosure on the XXXX website of a fee, so I assumed the transaction was the same as renting a hotel room or condo via XXXX or XXXX. XXXX and XXXX act as third party XXXX for funds transfers and there are no cash advance fees. I contacted both XXXX ( XXXX and XXXX ) and XXXX ( XXXX and XXXX ). Neither had a clear explanation or owned the lack of disclosure, but XXXX indicated they would credit my account for the fees. 

I want a clear explanation of how these transactions should be treated, credit card charge vs. cash advance, why there is no upfront disclosure about fees, and whether XXXX decided on their own to modify the transaction in order to collect fees.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Finacial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I called Aidvantage on XX/XX/XXXX and no one answered for about 2 hours. I called back on XX/XX/XXXX, and requested a refund for {$12000.00}. They were able to locate my loans and said they would process the refund request. I asked for an email confirmation but they said they could not provide an email confirmation. They just said that the refund will take 4-6 weeks to complete.

I read a lot of posts saying that their balances changed after 10 business days so, I called back on XX/XX/2022 since I was worried that my refund request was not processed. They said that the refund has been approved by the XXXX and sent to the XXXX. 
As of XX/XX/XXXX, XXXX weeks after my request, my XXXX account still has my old balance and is not updated to include the {$12000.00}. I also checked the aidvantage website and it has not changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my XXXX XXXX account and noted Equifax lowered my credit score by two points with 2 pieces of information. One showed a balance of {$170.00}. ( XXXX XXXX ) the other showed a decrease of {$300.00}, but they still decided to lower the score 2 points for such a negligible balance on my XXXX 's card. I am angry about this. I have paid off all of my credit card accounts over the past few months and they didn't bother to raise my score but one time. They have lowered it multiple times. This last time was really inappropriate.
Product: Student loan

I previously filed a complaint with the CFPB on XXXX. Complaint # XXXX. It was supposedly resolved on XXXX. They promised to correct their mistake and remove my information from their files. They promised me personally over the phone on XXXX as well as your Bureau on XXXX. 
They have started to contact me again on XXXX. This was an email from XXXX. They demanded I contact them by XXXX XXXX today to make payment arrangements on account. As you can see from previous complaint, I have NEVER had a student loan my entire life. Obviously they are harassing me and does not worry about CFPB doing anything to them. Maybe something can be done this time.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of late payments on my credit report. Upon thorough review, I have identified that many of the reported late payments are inconsistent and inaccurate across all three major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed many times with experian credit bureau that my loans should not say delinquent or was late. I spoke with both XXXX  and XXXX  who both confirms the students loans should not show up as ever late or delinquent experian still won't fix the error. although, i submitted documentation ( XXXX advised me to ), XXXX and XXXX box has fixed the error but experian continue to give me/cause hardship because of this my credit lines all have high interest and have suffered tremendously. I was switched from XXXX XXXX loans to XXXX XX/XX/2021 with not one late payment experian updated my loan servicer but continue to report my student loans as was late but current XXXX  IS A NEW LOAN SERVICER HOW DO YOU CONTINUE TO REPORT ERRONEOUS INFORMATION.
Product: Mortgage

Within the last couple weeks, I attempted to refinance my home mortgage. My lender ordered an appraisal of my home ( at their direction and expense ) and was subsequently unable to approve the refinance. I have owned the home approximately 21 months and made timely payments with my lender throughout. The appraisal verified that my current XXXX is less than 75 %, but I am told they still " can't '' remove the PMI on my loan. I would like to appeal this and have the PMI removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A family memeber of mine opened a loan in my name without my knowkledge or consent online with Moneylion. They were allowed to open the accoutn online by Moneylion without verifying identity of the person opening the account, no signature was oobtained or compared to the drivers license to verify the identity as well. I didn't know this accoutn was opened in my name until I check my credit report In XXXX. When I saw this accoutn on my credity I called to figure out what it was. I was told there was a balance on this account and that it couldnt be removed from ym report until i paid it, which I paid out of my pocket to get it remioved. I filed muiltiple disputes with Moneylion. I have contacted Moneylion multiple times to get this rectified and they refuse to do so.
Product: Checking or savings account

On XX/XX/XXXX, someone managed to withdraw {$760.00} from my checking account, leaving me with a negative balance. I did not realize my account was in the negatives until the following day, XX/XX/XXXX. Between that time, I deposited {$200.00} at a TD Bank ATM, paid for gas, and purchased a drink at XXXX without realizing my account was compromised. I never received a notification stating that I was, the only reason I found out was when I decided to do my weekly check up on my bank account through the TD Bank app on my phone. 

I immediately went to a nearby TD Bank in XXXX, NY and explained my situation. The employee who helped me issued me a new debit card, and filed a fraud claim for me. The following is what I stated in the claim : * I never lost my debit card, I even showed it to the employee before she gave me a new one. 
* The location that the money was withdrawn from was at a TD Bank that I've never been to. 
* This was the first time that I experienced bank fraud/theft. 
* The money had to be withdrawn on XXXX in the early morning ( XXXX ), because I deposited {$200.00} around XXXX. I can not provide the exact time because that information is not shown on my statement or account history, only the date is shown. 
* Assuming the money was withdrawn some time between XXXX, how could I deposit {$200.00} at a different location that was over 1.5 hours away. 

After I filed the claim, I waited 10 business days for a reply from TD Bank. During this time, I was also hit with a {$140.00} overdraft fee. The bank eventually told me that my claim was denied because according to them, my debit card was used, the PIN was entered correctly the first try, and the location it was withdrawn from was nearby my home address. I stated again that I never lost my card, and I have no records of ever going to this particular TD Bank ATM before. After speaking to the employee at the bank, and also calling TD Bank 's Customer Service, I was recommended to file a police report. Which I did. 

The bank employees told me that I should bring a copy of the police report to them so they could open up another fraud claim for me. However, the police told me that I can not receive a copy of the report. So I left it up to the police and detectives to take care of the situation for me. I also opened up a second fraud claim to classify my account as " under investigation '' to prevent it from being closed. I have waited over a month now and still have no word from the police/detectives and my fraud claim was denied again. During this time, my job continued to pay me by direct deposit so I was able to bring my account into the positives again and have access to some money. I have since withdrawn almost all of my paychecks as cash the day I get paid, to prevent the chance of facing further theft.
Product: Mortgage

I initiated a refinance of my mortgage in XXXX XXXX. In the process of settling the initial loan, we discovered that the property taxes were charged to the loan. The loan documents never indicated that the taxes would be paid by the loan servicer. After the initial inquiries and proof that I had paid the property taxes in the beginning of XXXX on my own, I paid BSI Financial the money they purportedly paid on my behalf for the taxes, anticipating a refund when they received or confirmed a stop payment of the taxes they shouldn't have paid in the first place. After the loan was paid off on XX/XX/XXXX, I was told to wait 6 weeks for the refund to come. After 6 weeks time passed, and after multiple requests for updates on the refund of money due, I have not received one message of confirmation or affirmation that this issue is being resolved. I recognize the additional challenges on staffing and anything that may thwart this process administratively, but enough time has passed without any firm confirmation that the money will be refunded. Moreover, I contacted the XXXX XXXX Property Tax office on XX/XX/XXXX, and was told there was never a payment made by BSI on my behalf. This leaves me quite suspicious about the money I was told that I owed and I am now not receiving in refund. I have asked the mortgage brokerage to get involved and they too have yet to receive any confirmation this problem is not being resolved. Filing this complaint is my next step in response to the issue.
Product: Student loan

Public Service Loan Forgiveness -- Refund Owed for Overpayment beyond the 120 qualifying payments My loans were forgiven on XX/XX/XXXX. The account showed XXXX qualifying payments. I paid from XX/XX/XXXX ( while employed for qualifying employer for over 20 years ) until XX/XX/XXXX. There were XXXX excess payments. XXXX of which were actual payments made beyond my forgiveness date of XX/XX/XXXX. I have all the payment information for Mohela showing all amounts paid each month from XXXX until XXXX.I should received a refund for more that {$6000.00}. My letter from Mohela shows full forgiveness for all loans ( XXXX XXXX ) but no credit for the overpayment.This was a mistake. I called Mohela several times and spoke to someone and they said that they could not help me. They referred me to Department of Education. I waited on hold for over 2 hours. It finally disconnected. I have tried the Ombudsman and not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have information to rectify my dispute from the creditor but XXXX and trans union has blocked my account when trying to file a dispute online. It states it has a problem accessing my credit file. Yet, I can login and review my report but when it comes to the dispute, XXXX cant access my credit file and transunion keeps suspending my account because I have been disputing this account religiously. Im pretty sure if the shoes were on the other foot they would be doing the same for inaccurate reporting on their account over 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts have violated my rights. 
According to 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 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Account Name XXXX, XXXX. 
Account Number XXXX Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name DEPT OF EDUCATION/XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX. XXXX, XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name OFFICE OF THE ATTY GENER Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX
Product: Credit reporting, credit repair services, 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 Account number XXXX, XXXX XXXX Account number 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: Mortgage

I requested a payoff statement from my mortgage company in order to pay off my mortgage in XXXX, XXXX. I received the payoff dated XX/XX/XXXX. I did not have the funds as quickly as I thought that they would be available. However, I did make a payment which posted on XXXX XXXX in the amount of {$560000.00}. 
That was the amount of the payoff. The payoff amount included a per diem cost of {$40.00} per day beyond XXXX XXXX. I requested another payoff from SLS and received a balance of $ {$9400.00} which I thought was excessive. I calculated my per diem amount by the number of days beyond my original payoff date and arrived at a figure of {$3500.00}. I contacted SLS but they were adamant on the balance that they provided. I also had another property, same issue, same dates. When I requested a second payoff from SLS, I received a balance of {$310000.00}. which was calculated until XX/XX/XXXX. I made the payment for the {$310000.00} and requested a second payoff which SLS provided in the amount of {$14000.00}. My per diem for delays was {$24.00} per day which I calculated to be {$2100.00}. I need assistance in this matter due to my inability to resolve with SLS.
Product: Debt collection

CONVERGENT OUTSOURCING XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account CONVERGENT OUTSOURCING ACC XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
XXXX XXXX XXXX XXXX XXXX/XXXX/1972 XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, AXXXX : # XXXXXXXX XXXX XXXX : # 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: Debt collection

I've been served a summons on debt I was unaware of on a bill that is from XX/XX/2016. I had a medical bill from an er doctor that was turned over to collection agency. I have been at the same address for 5 years until 4 months ago and I have had the same phone number over 15 years. All of my credit reports show this information. The collections agency has made zero attempts to call me, mail me or send me anything certified. They found me at my new residence which isn't even in my name so why couldn't the collection company have reached out. I have XXXX debt in collections and always pay my bills so for them to sue me without notifying me is ludicrous. 
I have spoken with the agency and they are not willing to budge. They will not take off the lawyers fees which is {$500.00} and all the tacked on fees. I am willing to pay the {$1200.00} and {$120.00} in interest fees but they are demanding over {$1900.00}. 
I have reached out to the XXXX XXXX XXXX to file a complaint, the attorneys general office of Nevada and multiple lawyers researching my rights.
Product: Mortgage

XXXX I'm including documents and requesting that you do an investigation make adjustments to the mortgage respond back with the adjustments you've made this was a wrongful foreclosure I'm including a letter from XXXX stating all payments were made XXXX through XX/XX/XXXX XXXX XXXX erroneously prepared a complaint claiming I haven't made mortgage payments since XX/XX/XXXX as you review the records you will see in XXXX XXXX had {$5000.00} in unapplied funds those payments were to be applied for principal and interest for XXXX through XX/XX/XXXX XXXX never credited those payments until XXXX of XXXX a clear violation of not applying payments timely and they proceeded with the foreclosure instead of correcting their error, payments were also sent to XXXX for XXXX XXXX XXXX XX/XX/XXXX, in XXXX of XXXX XXXX returned those checks once again in violation not applying payments to principal and interest as per the contract It was XXXX erroneous calculation within the complaint and XXXX 's non application of payments when they were received it should also be noted this was never an escrow mortgage I pay my own homeowners insurance flood insurance and my taxes, since XXXX I've never been late paying those taxes I expect an answer within the 30 days according to the statute that you're required to respond
Product: Mortgage

Carrington Mortgage is not allowing me to make a {$35000.00} payment on my loan. They declined my payment about XX/XX/XXXX. They say I can not make any payments until I am out of default, and pay them an unknown amount of extra money, to pay for things while I am in default. I was in the federal forbearance program from about XXXX of XXXX until XX/XX/XXXX of this year, XXXX. 

There is no way I can be in default at this time because 90 days has not passed since XX/XX/XXXX. Being how I am not in default when Carrington says I am in default, could you advise Carrington to let me make a payment in accordance with our contract. Until I am allowed to made a payment Carrington is violating the law. Legally, Carrington is currently in breach of our contract buy not allowing me to make a payment.

I understand under current law, I can not ask the Court to dismiss my default until carrington files court papers giving me a case number. I want it on record that until I am allowed to make a payment, carrington is in breach of our contract.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an inaccurate account. This account showed XXXX late payments, but I had in fact paid on time. Consumer reporting agencies must report all information accurately. This account has never been late on payments, as evidenced by the attached copy of my credit report dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am requesting that you investigate this account and immediately update the payments to reflect that they were made on time. Thank you for your prompt attention to this matter. 

15 USC 1666b.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.