23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

About PAYMENT SECURITY, although I never enrolled on this service program & I just enrolled in automatic payments from my checking account I didnt look to my account because I was sick on that but the bank enrolled me and keep charging monthly fees about {$40.00} me from XXXX until now & when I dispute they only refund me only XXXX they did refund me the charge for XXXX / {$480.00} & for XXXX / {$71.00}
Product: Money transfer, virtual currency, or money service

I am filling this complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial 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 the 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: Mortgage

We closed on our house on XX/XX/XXXX. It is in NJ with large quarterly tax payments associated with owning a home. Our lender ( Caliber Home Loans ) required we setup an escrow account to fund the quarterly tax payments ( ~ $ XXXX XXXX. On XX/XX/XXXX we received a property tax bill notice in the mail saying our XXXX XXXX tax bill had not been paid. On XX/XX/XXXX I contacted Caliber Home Loans. I was told there was a problem setting up my mortgage for tax payment but that would be resolved within the next 20 days. I submitted a copy of my quarterly tax bill to Caliber and everything was confirmed to be moving in the right direction. I was also assured that I would not be responsible for any late fees. On XX/XX/XXXX I called Caliber back to confirm everything was moving in the right direction. I was told that everything was in fact moving in the right direction and the tax bill would be paid soon. On XX/XX/XXXX, I received a late notification from my town in NJ saying my tax bill had still not been paid and notifying me of a {$100.00} late penalty. I called Caliber back on XX/XX/XXXX and they informed me my mortgage was still not ready for tax disbursement. They use a third party firm called XXXX XXXX to liaise with local tax municipalities and this group would not be able to finish their job until later in XXXX. I have asked Caliber for advice on how to deal with my local tax authorities and they are unable to provide specific information just " we are working on it. '' They are also unable to immediately refund my escrow account. So in short I am stuck with a tax bill I cant pay because Caliber is refusing to pay it. Caliber is also unable to refund me my money so I can pay it. This doesnt feel fair and I am not sure what to do?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased a poncho/sweater from XXXX ( a/k/a XXXX ), advertised via the XXXX  ( " XXXX '' ) Platform. XXXX displays an American Flag, which to the buyer, seems to be a Made in America company. 
The sweater is defective. 
On XX/XX/XXXX, I reached out to PayPal, as the payment transferred via PayPal. I included pictures of the condition of the sweater after one ( 1 ) hour of wear ( the sweater was not washed or altered ).

PayPal denied my dispute, as PayPal stated : We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because if an item is materially similar to the seller 's description, we do not consider it to be significantly not as described. 
What transpired : Via an XXXX Advertised platform, I purchased a sweater from XXXX. After approximately one ( 1 ) hour of wear, the sweater, shed profusely all over my clothing, hair, car, and the restaurant chair. Embarrassed, I reached out to XXXX. The charge displays on my credit card statement as XX/XX/XXXX-PayPal XXXX XXXX CA. 
Despite voluminous pleas for assistance, reporting the defective merchandise, and several requests for a return label, XXXX would not provide a return label. 
Below are XXXX Responses : On XX/XX/XXXX at XXXX XXXX, via Email, XXXX offered me {$5.00} to keep the defective sweater. 
On XX/XX/XXXX at XXXX, via XXXX , XXXX offered me {$15.00} to keep the defective sweater. 
On XX/XX/XXXX at XXXX XXXX, via Email, XXXX offered me {$15.00} to keep the defective sweater. 
On XX/XX/XXXX at XXXX XXXX, via Email, XXXX offered me {$10.00} for me to keep the defective sweater. I again requested a return address to send back the defective sweater. 
On XX/XX/XXXX at XXXX XXXX, via Email, XXXX offered me {$18.00} for me to keep the defective sweater. 
Is This A Deceptive Trade Practice? : On XX/XX/XXXX at XXXX, XXXX instructs me to use a sweater de-baller or wash it to reduce the shed of the sweater. I requested a return address to send back the defective sweater. 
Though I did neither ( de-ball or wash the defective sweater ), on XX/XX/XXXX at XXXX XXXX, XXXX states : All return/exchanged items must be returned in their original condition : unworn, unwashed with all tags attached. 
The above is, in my opinion, a Deceptive trade practice with the intent to trick/victimize honest consumers. For why would a merchant instruct a consumer to wash an item, then two ( 2 ) days later warn that if the merchandise is washed that it could not be returned? 
As mentioned earlier, I never washed the sweater, and after eleven ( 11 ) emails with a request for a return address ( via XXXX  and my secondary email ) ; three ( 3 ) emails with a request for a return address via my primary email ; and five ( 5 ) XXXX back-and-forth XXXX  messages, XXXX has not responded with 1 ) a return label ; or, 2 ) their return address ( Of note is that they purport themselves as a US business, and the tracking starts out of XXXX, NY ; however, there is no Company address listed on their Website. ) PayPal denied the request to refund the {$48.00} transaction.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX
Product: Checking or savings account

They are trying to hold my money for 180 days it's mine i have been trying to tell them let me have my money an i will close the account
Product: Credit card

My Verizon Visa Card with Synchrony Bank on 3 monthly bills over the last 12 months has tried to charge me late fees and interest by sending my bill at the very last moment. On the first time I called them, and the person I talked to convinced me to send the minimum payment through my computer. I do not like doing this. I keep as little financial things on my computer. He told me I needed to send my payment by mail at least 7 days before due date. I told him we get our mail late in the day and mail it out the next day because they send their statement so close to the due date, and this payment was sent 10 days before the due date. XXXX or 4 days after sending the electronic payment they sent me an email saying they had received my payment the same day I sent the minimum payment. The second time I sent my payment by mail and they finally sent an email that my payment had been received 3 days after I noticed it in my bank statement. The last time ( bill due date XX/XX/2024 ) we received the statement in our mail on XX/XX/2024 ( see XXXX informed delivery attachment ). We sent the payment on XX/XX/2024 ( can not show photo of check because the use ARC, see attachment of bill ). On our XX/XX/2024 bill they charged me a {$30.00} late fee, and {$14.00} interest. When I called them ( XX/XX/2024 ) their automatic phone system removed the late fee. I then ask for an operator. talking to him he said that the auto system had removed the late fee, but they could not remove the interest. He said If I mail my payment in I should allow at lest 7 days. I told him they had sent my bill late and I had sent it in 8 days before due date. I then ask to speak to his supervisor. He refused. Later that day I made a second call and spoke to a woman ( with chickens in the background crowing ) and she transferred me to another woman. she apologized and said they would remove the {$14.00} interest charge. As of XX/XX/2024 the {$14.00} charge is still on my account. Synchrony Bank uses the ARC system on my payments because they get their money faster. If the ARC system is so much faster why has it taken as much as 15 days for the check to clear? I checked my records and my payment on other credit cards that do not use ARC only take 6 to 10 days. Again I ask that the interest charge be removed because Synchrony Bank does not give me time to pay my bill. If they do this to me how many other customers are the doing the same thing? Is this a ploy to increase profits? Send your bill earlier, or change the due date.
Product: Student loan

I tried to submit my student loan payments twice and they were both reversed. I checked with my bank and all the correct information is linked to my Ed Financial Account. Why is the payment being reversed even though the account is linked correctly with my bank?
Product: Mortgage

For over one year now, my attorney and I have been trying to resolve a dispute with Wells Fargo regarding the correct monthly mortgage payment amount due on my home mortgage ( reported to CFPB via case # XXXX ). I did not see an option to update that case, so I created a new one. I 've spent most of the year reading letters of delay from Wells Fargo. Each month I 've paid my mortgage ( see attached document " XXXX XXXX Payments XX/XX/XXXX Through Current '' ) per the payment amount due stated on the Initial Interest Note ( {$1100.00} ) plus an additional {$110.00} for escrow ( see attached document " Initial Interest Note Original '' ). The payment on this mortgage was interest only for the first ten years, then modified to a new payment amount effective XX/XX/XXXX. My XX/XX/XXXX payment was sent via a letter from my attorney ( see attached document " 1st Letter to WF XX/XX/XXXX ). This letter contained XXXX checks from me : XXXX for the principle + interest amount ( {$1100.00} ) and XXXX for escrow ( {$110.00} ) plus a late fee of {$10.00}. This was explained to Wells Fargo clearly in the letter. On a monthly basis from this point forward, I have paid {$1100.00} + {$110.00} ( {$1200.00} total ). 

Wells Fargo has finally begun communicating, by sending a proposed settlement agreement ( dated XX/XX/XXXX ) to my attorney. And at virtually the same time, Wells Fargo initiated foreclosure proceedings. Let me repeat : WE ARE CURRENTLY NEGOTIATING AND IN SPITE OF THIS, THEY HAVE STARTED FORECLOSURE PROCEEDINGS! I am getting letters and phone calls from people who want to sell my home. The dates on the foreclosure documents I received from Wells Fargo ( see attached document " WF Foreclosure Notice XX/XX/XXXX '' ) and from XXXX XXXX XXXX XXXX ( see attached document " XXXX Foreclosure Notice XX/XX/XXXX '' ) are BEFORE I responded to their settlement proposal. Wells Fargo gave me until XX/XX/XXXX to respond and we met that deadline. However, they started the foreclosure process before hearing my response. 
If foreclosure proceedings started because we have reached the one year mark, there 's only one reason why we are at the one year mark : Wells Fargo 's ongoing delays ( I have the delay letters to prove it )! 

I think this is an intimidation play, to try to get me to accept their settlement proposal without negotiating. Or, Wells Fargo is so big " the right hand does n't know what the left hand is doing ''. Either way, this is unacceptable. 

Wells Fargo needs to cancel the foreclosure process immediately! This is not negotiating in good faith.
Product: Payday loan, title loan, or personal loan

The problem I selected was the closest I could get to what happened but there was not an option to check for the true nature of my situation. Also, I have uploaded the typed version of exactly what happened. Basically, it was the title loan company let my brother take out a title loan on a vehicle that was listed with both our names on the title with and not or listed on the title so the loan should have been put in both of our names because we are being told that if the title states and one person cant do anything without the other person.
Product: Mortgage

American Financial Network continues to practice predatory lending against vulnerable veterans in order to lure them into a VA loan that doesn't serve the customer but the business itself. Despite of requesting a removal from their mailing list, I continue to receive unsolicited mails which contents do not back up their claim nor endorsed by Department of Veterans Affairs.
Product: Debt collection

In XXXX XXXX, the offices of XXXX XXXX XXXX, XXXX seized my assets in XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX assignee of New Century Financial Services , Inc XXXX XXXX with an alleged judgment from XXXX XXXX. Multiple phone calls to validate debt was not returned with any written documentation of debt, Their office simply stated on the phone that the matter was an issue related to a judgment entered in XXXX XXXX and gave me the case file to get my own documentation. I later learned the judgment was vacated in XXXX and I had the judgment vacated again in XXXX. The plaintiff pursued the matter after the second vacated judgment even though it knew it had not provided any documentation to the validity of the debt after 2 months of legal action. They sought and were rewarded additional time by the courts to delay my proper remedy by the court which incurred XXXX trips more than necessary t defend the matter and to obtain satisfaction in regards to my counterclaim. Although I submitted all documentation necessary to prove that I had actual damages, the plaintiff lacked any meritorious defense the judge determined that the case lacked sufficient documentation to prove wrong doing. First according to FDCPA the collection agent is to submit documentation to validity of debt, I proved that the plaintiff submitted no documentation to support claim to debt, not within the original 14 days of request or the entire court case history in XXXX. Secondly, the collection agent pursued legal action without any consultation about the debt with consumer prior to seizing assets. Third, the seizure of assets was committed using FALSE information obtained from ecourts XXXX system which validated a history of a judgment but not the status of the judgment. The assignee did not validate the debt by requesting history of payments or original documentation of contractual obligation prior to seizure. Fourth, Plaintiff submitted a false document as authentic in the submission of the restraining notice to the XXXX legal offices which is a violation of New York State Criminal Law. Fifth, the plaintiff 's attorney, XXXX XXXX XXXX, XXXX, which acted as the Collection agent committed an act of fraud and a violation of professional conduct by not validating the status of the judgment since the ecourts XXXX system stated to " See File '' for status of the original judgment. It was within their purview to validate prior to proceeding with legal action. Finally, the judgment was vacated twice by the court after multiple attempts to validate the authenticity of debt. The vacated stated was granted on XXXX/XXXX/XXXX and XXXX XXXX. The plaintiff had ample time and opportunity to reduce the injury to defendant by doing proper processing of the court case 's documentation instead they requested two adjournments to prepare for the case which further injured the defendant by requiring multiple visits to an out-of-state- court to provide defense for her suit against the illegal actions of the plaintiff.
Product: Debt collection

XXXX XXXX XXXX began calling me on XX/XX/XXXX demanding that I pay a debt that has already been resolved as not mine by 2 previous collectors. Now they purchased it and are using aggressive tactics to collect.

I have recordings of the following calls : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX & XXXX XXXX I have never been to " XXXX XXXX '' and on the day in question XX/XX/XXXX I was XXXX in the XXXX XXXX XXXX. 
In XXXX XXXX XXXX XXXX XXXX tried to collect this debt. I explained the same to them and never heard from them again. 
In XXXXXXXX XXXX XXXX this debt appeared on my credit report. I was buying a car at the time and it cause me to pay an extra 2 % interest on the loan. I contacted the reporter who was NOT this company and they immediately removed it from my credit report. 
Now this company is trying to collect the same debt. This is not my debt and there is no possible way that I could have incurred this debt. 
I very clearly disputed the debt on the phone with their collector and I have recordings of the calls. Nevertheless they have placed this collection on my credit report as of XX/XX/XXXX as a {$1300.00} collection. 
They called more than the times listed above those are the only ones I was able to record. 
I requested they send me proof of the debt and they have failed to do so. They sent me a one page letter only showing : Original Creditor : PENDRICK CAPITAL PARTNERS, XXXX Current Creditor. 
XXXX XXXXXXXX XXXX XXXX On the back is says again XXXX XXXXXXXX XXXX XXXX gives a date on XX/XX/XXXX ( still I was in the jail ) but no proof that I signed for this account or agreed to pay any amount. 

The failure to provide original proof of the debt is a violation of the Fair Credit Reporting Act.
Product: Debt collection

XX/XX/XXXX I had XXXX as my cell phone and internet provider. There was a break in service which came from a tower issue. My fiance needed the internet for her business ( which is XXXX ). The service was interrupted for XXXX days, even though XXXX had been contacted daily ( and sometimes several times a day ), causing my fiance to lose clients and thus, money. This caused a financial hardship for her. After the XXXX day, we were forced to shop for another internet provider. XXXX was advised, but continued to bill me for the service, as well as late fees and early termination fees.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Sections 604 ( b ) ( 3 ) ( A ) and 604 ( b ) ( 3 ) ( B ) should be to Section 609 ( c ) ( 1 ), ( c ) ( 3 ) Congress re-organization of Section 609 ( c ) in 2003 ( FACT Act ).

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I was looking over my credit report and I noticed these Accounts listed below are NOT assuring maximum possible accuracy according to the FCRA. Please DELETE accounts listed below for violation of the fair credit reporting act. 

Dispute XXXX : Account Name : XXXX XXXX, Account Number : XXXX XXXX This Account is NOT showing maximum possible accuracy according to 15 U.S. Code 1681e ( b ), the open date, date last active is NOT accurate. - Delete Account Immeadiately for violation of 15 U.S. Code 1681e ( b )
Product: Credit card or prepaid card

Dear Executive Office, I was told XXXX and the executive team would be able to resolve this once and for all for me so I'm writing in hopes to hear back with full resolution once and for all. 

I have been a longtime and loyal customer and have had issues on my Bank of America credit card with incorrect charges and charges not belonging to me. I have reported it now several times and then was informed these are and were not prosperous handled and someone should have replied back to me and handled it within the allowable time frame. I understand now since that hasn't been done you should be liable to clear the balance on my account. I received a call and text message from you guys on Monday this week advising that there was a suspected fraudulent charge and I called In and it was again not a charge I made and I noticed you of that. I went through a process with someone in the fraud department and I think he handled it but this has been ongoing and now the account I understand is closed and I'm being reissued another card and new account number but his should have been done long ago. I haven't yet receive the new card or information but I do want to be sure you have cleared he balance to XXXX on this account that is now closed. 

I have just had both grandparents pass within weeks of each other so to have this occurring right now is so unbearably hard. I have tried handling this and now I'm at my wits end. We have stayed loyal to you Bank of America but you have done us wrong so many times it's making it very difficult. 

My husband was XXXX with you for years and was let go when you all had a major lay off here in our location and he didn't ever get his personal items mails to him as we were told and we let that go but that I thought was also poorly handled. He was laid off one day and a group of people and they were told they couldn't go back to their desks or anything and everything would be mailed to him and never was. He has things that never were replaced or sent and I think we should have followed up with your team on this. He followed up with HR and the number he was told to call an no one ever replied back. This has been over two years now so I'm sure there is no way to retrieve the items. 

I would like to know my credit card has been closed and the balance is XXXX and a new card has been mailed to me. I have not received the new card as of yet. 

Please confirm this has been completed. 

Sincerely, XXXX XXXX XXXX Sent from my XXXX Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inaccurate accounts are reporting on my credit report 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****