23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I leased a car through Toyota financials and set up my account on auto pay when I received my first bill in XXXX of 2023 like I do for all bills. 

However it appears when I selected my payment date that the system allowed me to select a date that would place me past due. Apparently the bill was due on the XXXX of every month and I set up auto pay on the XXXX of every month. There was no trigger about being late and I did not think through it as this was my first bill. I expected the system to adjust and warn me accordingly just like my other autopay systems do. 

However it appears I was charged a late fee consecutively even though I had set up auto pay and when I called a company for an explanation they said that they are not technical and they don't understand why it was done the way it was. They said I chose the payment date and they don't control if it's past due. However keep in mind the most systems when you set up auto pay warn of such things. Allowing the system to set up auto pay dates without warning of being late is predatory. 

I am asking for a review of my account and the controls in place of letting you be past due when setting up auto pay and for refund on the late fees.
Product: Credit card or prepaid card

I called First Progress on XX/XX/2020 to confirm that I didnt have a payment due.I noticed the amount due changed right before the due date. The representative, who didnt give his name, stated that I didnt have a payment due the next day. On XX/XX/2020, I checked my account and noticed I was charged a {$2.00} interest fee. I have been calling them for the past two days and NO ONE will answer.
Product: Credit reporting or other personal consumer reports

The following fraudulent inquiries 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA XXXX XXXX XXXX XXXX
Product: Mortgage

Due to several circumstances, I fell behind on the mortgage. This house is contained in an Illinois XXXX XXXX in order to protect my family from a XXXX XXXX. Midland instructed me to fill out paperwork for a loan modification. I duly complied, and sent Midland the requested paperwork. Midland responded by REFUSING to modify the loan unless the trust quit-claimed the deed into my name. 

This was a problem in XX/XX/XXXX, and CFPB helped me. See case XXXX. At that time I hired an attorney, spending money to do so. She thoroughly investigated the law, and verified that HUD has no such requirement for a quit-claim deed. 

-- -- -- Specifically she cited XXXX XXXX and noted that no title requirement exists that requires me to quit-claim the house out of the trust and expose my family information to a XXXX XXXX XXXX I gave my attorney formal permission to discuss with Midland, and she wrote Midland an explanatory letter on XX/XX/XXXX, including along with that letter copies of the documents that proved that there was no legal requirement, and that the collateral assignment of beneficial interest had been duly executed. My attorney even offered in writing in the letter to execute a second collateral assignment of beneficial interest that specifically named Midland. At that time Midland did execute the modification without forcing me to endanger my family by doing this title assignment. 

-- -- -- - Today, XX/XX/XXXX, I spoke with " XXXX '', teller number XXXX, and she told me that Midland refuses to modify without the quitclaim deed, and said so AFTER reviewing the documentation from the previous incident. 

I am just a few days shy of XXXX XXXX XXXX, and being placed into this position is stressful. 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 XXXX XXXX XXXX XXXX XXXX XXXX This situation is placing me under stress and causing aggravation of my medical conditions. 

-- -- -- - I, XXXX XXXX XXXX, do on the pains and penalties of perjury as set forth in 28 USC 1746, do hereby swear and affirm that the facts above are true and complete and to the best of my knowledge. XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I started a Venmo account at the request of my teenage children, this is where I went wrong. Upon my son sending me money for repayment of his insurance, my account was immediately frozen. I have tried to email with Venmo for almost 2 months now, and seem to be no closer in having the funds released than I was the day this nightmare started. They refuse to pick up the phone and call me, although I have requested it in almost every email I have sent. We tried to dispute the charge with our bank, as it seemed very fraudulent of Venmo ( a company I have no history with ). They somehow won the dispute, and here I am still without the money. This started around XX/XX/2022 and the amount was for {$100.00}.
Product: Money transfer, virtual currency, or money service

I have crypto currency assets that are in a XXXX  account. The only problem is that XXXX refused to verify me after I sent them my passport and went through their rigorous verification processes. 

XXXX required I make a wire transfer to my account to fully verify it so I could use their service and claim my assets, however, every single attempt to make a wire transfer failed : their bank XXXX XXXX deflected the wire transfers each and every time and I was not able to verify the account. Their staff were incredibly unresolving and also refused to help me any further. 

As a result of multiple attempts to make the wire transfer, I was responsible for paying fees to XXXX XXXXXXXX XXXX to use their wire transfer service. The total for the fees was somewhere around {$9.00}.
Product: Credit card or prepaid card

1. heres the predatory company i'm complaining about https : //balance.XXXX/ # / 2. why doesn't vanilla gift card have an online way of contacting them. i demand an email to their supervisor XXXX i have a vanilla gift card but i can not use it to buy anything at a physical store, since they lied to me, i demand they mail me a physical gift for the same amount with no fees/charges/etc.. 

4. the gift cards says " Visit XXXX for more information about your XXXX XXXX XXXX Account. The Virtual account XXXX be used for online, telephone, mail order, and participating physical merchant locations. '' but they don't provide a list of physical merchants. i demand this list
Product: Mortgage

I contacted NewRez Mortgage on XX/XX/2023 about my taxes that are escrowed. They paid my property taxes on XX/XX/2023 which incurred late fees of {$1100.00}. I have submitted documents on XX/XX/2023 and again on XX/XX/2023. I have called on three separate occasions and they continue to either disconnect or state they need more time to research. When I log into my account online it states that the case has been closed. They still have not refunded my escrow account. I need them to refund my account and pay me back the interest.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a quick loan for my business through US Bank I was denied. Regardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is securities fraud, and in violation of the equal credit opportunity act as well as the consumer credit protection act. Not quite sure why this keeps happening when according to title 15 United States code 1691 scope of prohibition there should be no reason why anybody gets denied for credit, Its unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. Subjectivities is prohibited under federal law.
Product: Credit reporting or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX Balance {$940.00} XXXX/XXXX  XXXX Balance {$0.00} XXXX  XXXX  XXXX  XXXX Balance {$45000.00} XXXX  XXXX  XXXX  XXXX Balance {$38000.00} XXXX XXXX  XXXX Balance {$750.00} XXXX  XXXX  XXXX Balance {$380.00} XXXX  XXXX  XXXX Balance {$1600.00} XXXX  XXXX XXXX Balance {$3100.00} XXXX XXXX  XXXX Balance {$980.00} XXXX XXXX  XXXX Balance {$1900.00} XXXX  XX/XX/year> XXXX XXXX  XXXX. XXXX/XXXX  XX/XX/year> XXXX XXXX  XXXX. XXXX/XXXX  XX/XX/year> XXXX XXXX  XXXX. XXXX/XXXX  XX/XX/year>
Product: Checking or savings account

We were alerted by Wells Fargo that there were fraudulent charges on our checking account amounting to several hundred dollars. When we called the number provided by Wells Fargo to confirm or deny the charges we were told by the representative on the phone that they could not provide any information about our account without a verbal password. We never asked to have a verbal password set up. They could not confirm if additional charges will be made and they could not close our account as we requested. They would not allow us to verify our information with another identifier. This happened on a Sunday ( today ) so branches are not open for us to address the problem in person. We also asked to close the account so no more fraudulent charges could be made and they did not allow us to do that. Wells Fargo is doing significant damage to us as a consumer. Action should be taken to address this so consumers are not hurt financially by this bizarre policy that they never asked us to set up. The person we talked to on the phone gave us a name of XXXX XXXX. He did not elevate the issue to management when we asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke to equifax about removing my fraud alert after being a victim of identity theft. I spoke to a representative named XXXX XXXX who had me verify my identity by providing my social and id. We had an email interaction while doing this ( his email was XXXX ). He mentioned that there was an issue with my report but that he had successfully removed my alert and freeze but that he would call me in 1 hour to confirm. I never received the call during those times so I decided to check my account on equifax to see if it was resolved. I noticed that the report was not longer showing the alert/freeze HOWEVER, my report had complete incorrect information!!! 

- An account that I been an owner for XXXX XXXX XXXX # XXXX WAS NOW - SHOWING AS AUTHORIZED USER WHICH WAS INCORRECT. 
- An account that I had removed XXXX BANK XXXX was back in my report! 
- XXXX of XXXX inquiries were now ADDED to my report from the past!! ( XXXX, XXXX, XXXX, XXXX XXXX ) EVEN THOUGH I ONLY HAD 1 AS OF XX/XX/XXXX!!! 

This means that whenever this representative corrected my information, he changed the account status of my account and also added these inquiries that did not belong to me and were no longer there as of XX/XX/XXXX. 

I called multiple times on XX/XX/XXXX but i could not get transferred to the same representantive! I also could not anyone to understand my issue and they all kept saying that it was correct however this was not the case. 

I have attached a report pulled from the equifax website as of XX/XX/XXXX which was showing the correct info. I also attached the CURRENT INCORRECT report which shows all of these incorrect changes! 

I demand an explanation of the miss handling of my report immediately and my account to be corrected. 

I demand these old inquiries to be removed XXXX, XXXX, XXXX XXXX XXXXXXXX I demand the account XXXX XXXX to be corrected as OWNER and NOT Authorized user. 

I also demand compensation, I have spent countless of hours trying to recover myself from being a victim of identity theft and I have received nothing but inexperienced customer support. This is not affecting my financial situation and its not acceptable. It is clearly a violation of my FCRA RIGHTS.
Product: Mortgage

Wells Fargo has not reported my payment history or correct balance as of XXXX of 2018. 
I have made multiple attempts through credit bureaus and contacting them directly but they're still verifying the wrong information as accurate. I've attached supporting documentation. My current balance is XXXX not XXXX or even XXXX as reported to the credit bureau.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not dispute a fraudulent XXXX credit card because they claim the bank verified the debt. However, on their website they state that a credit bureau has to create a new dispute ( If new information about the fraud is provided ) XXXX provided me the fraud address that was used to create the account which is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX. Someone living there received the card. This address is not mine. It's not even on my credit report. All I want is my right to dispute the fraudulent account.
Product: Credit card or prepaid card

On XXXX XXXX, I attempted to use my personal credit card for an online purchase. It was not honored by XXXX XXXX XXXX. I had sent the payment by mail and it did not arrive by the due date. Without warning, they suspended my card and dishonored any charges. 

I called them today, XXXX, and they refused to reinstate the card unless I made a minimum payment by phone, which I did. Then they told me the card would not be reinstated for another 24 hours. 

When I said I was going to complain to the Consumer Financial Protection Bureau, they agreed to waive the late charge and interest on the account. They claimed they did not know the name of the federal agency which regulates credit cards and they had no information on how to contact you. 

I pay the entire balance due every month. I do not believe I have ever paid this card late, although I am not sure of that. I have an excellent credit score. This has not ever happened to me with any of my personal or business credit cards. 

XXXX XXXX XXXX sent me an email on XX/XX/XXXX, titled " a friendly reminder ... '' that my payment was overdue. It did not say anything, whatsoever, about shutting down the account. 

I accept the fact that I would be charged a late fee but I was not advised that they would stop honoring charges on the card. As a consumer I was not advised or warned that this would happen. There should have been a warning, either in the " friendly reminder '' email, or in some other way. 

I am complaining about this policy and the lack of notice which induced me to take no action as my payment in full was already mailed.
Product: Debt collection

I have attached emails that I am receiving from National Credit Adjusters saying I got a payday loan in XX/XX/XXXX from XXXX XXXX. I was unemployed and could not have possibly done this as you have to show income. They also have my checking account number with NCSECU that I opened XX/XX/XXXX. 

I had a payday loan in XXXX with a company I believe was XXXX XXXX XXXX. This was paid using an account I had with XXXX at that time when I live in XXXX XXXX. 

I am now residing in XXXX as of XXXX, XXXX. 

As you will read, the emails are very threatening and the amounts I am being asked to pay are extremely high. I feel violated that this company is harrassing me and knows my checking account information. 

Do I have any rights and how do I stop them?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CPFA ). Specifically, CashApp 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 a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

There is a fraudulent account reported as collections for {$200.00} on my XXXX credit report. The company is called Receivables Performance. I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late payment : XXXX XXXX XXXX XXXX collection XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Information : Employers : XXXX Employers : XXXX XXXX XXXX Employers : XXXXXXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX
Product: Debt collection

I would like to make the complaint to XXXX  XXXX XXXX, XXXX XXXX-CA and National Credit System regarding my scam debt. 

I did not sign the lease agreement and moved it or took the room key, but they put me on collection. I did have a apartment tour, before they asked me to sign the tour papers. They did not explain or disclosed what in the papers, and I got their debts on my credit report as collection {$570.00}. 

They were scam. 

Please investigate
Product: Credit reporting or other personal consumer reports

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Mortgage

I have tried to secure a payoff and can not get through email or phone. This payoff the last piece to facilitate a refinance. They continue to state " it takes 7 to 10 bus days while admitting they received the request on the XX/XX/2022. In my opinion a ruse to post more interest charges. I asked to expedite through an XXXX but they left me on hold and told me there's nothing they can do. IF I fail to get this loan I will be in dire financial streights and as noted they are the only ones not cooperating with my request for help.This company has caused me severe escrow problems XXXX. Allegedly supervisor Custer " SERVICE '' " Our policy can not do anything to assist '' per Mtg dept. WILL NOT EVEN AYTEMPT TO XXXX speaks volumes!
Product: Vehicle loan or lease

Had a total loss insurance claim for vehicle. Insurance company settled for an amount but insurance company sent proceeds for amount more than guaranteed amount and company has not submitted documentation where and how funds were distributed. The extra funds were due to extra coverage which was paid on my policy. This company has predatory lending practices. Also gap insurance claim was not honored and no explanation given for denial even though it was a valid claim. We have not received any documentation only bills asking for more money from loan company.