23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I am filing this formal complaint regarding a financial issue with my Cash App account, where funds remain withheld despite authorization from the merchant, XXXX, to release them. XXXX has been cooperative throughout the process, eventually providing me with a release of funds authorization code. Unfortunately, Cash App has refused to assist further, even after I provided this code, and they also denied me the opportunity to escalate the matter to a supervisor. 

Details of the Issue Transaction XXXX Transaction Amount : {$150.00} Cancelation by Merchant XXXX Merchant Involved : XXXX Main Contact from Merchant : Supervisor XXXX XXXX Release of Funds Authorization XXXX Contacts Thru Customer Support with Cash App : XXXX, XXXX, ( and one prior to XXXX but I can't recall the name of that employee ) Case Number/Reference Number Give by Cash XXXX, and XXXX My Status as an American : XXXX XXXX XXXX
Product: Mortgage

XX/XX/2020 Dovenmuehle I started the process of recasting my mortgage with Dovenmuehle Mortgage Company XX/XX/2020. They sent a letter with instructions and I complied. XX/XX/2020 they sent me a package to sign and have notarized. The fee for the recast was {$300.00}. They also charged a fee for an escrow fund of {$300.00}, which I do not have. The special loans department that handles this does not take phone calls or respond to emails. I can not contact the special loans department to fix these issues. No one can help me. It appears they are refusing to return the error they made of {$300.00} in their favor. I have contacted Dovenmuehle many times. They have a bull pen that you contact meaning each time I contact them I get a new rep so I have to start over with the issue each time. I always ask for a manager and get transferred to a manager and again I have to repeat the issue and they can not resolve it. Two times when I was on hold with the manager while they were trying to get information and they lost my call they did not try to contact me, I had to contact them again each time and start over with a new rep. I was told they were not allowed to contact a customer if a call was lost. They say they are sending the money for the error to me but, I never get an email, phone call, letter or the money regarding this. I was also told when I sent the money to put on my mortgage it would go to the special loans department. I have not signed any paperwork at this point. I found they put the money on my mortgage without my consent. They have not corrected the figures and did not send disclosures of fees etc. At this point I can not get any pertinent information. 
XX/XX/2020, They supposedly fixed the issue with the escrow fee. But now they claim I sent in a payment on XX/XX/XXXX and the bank returned the check. This did not happen. Here is the sequence of payments this year. 
I sent in regular payments on time of {$1100.00} on time XXXX, XXXX, XXXX. I recast my loan in XX/XX/2020. I sent in 2 payments of ; {$57000.00} and {$91000.00} totaling {$140000.00}. {$140000.00} went to the loan, {$300.00} was for the recast fee and {$1100.00} was for a payment. 
So I was a head on payments one month and I sent in payment for another month that covers XXXX and XXXX. 
Then I sent in payments XXXX and XXXX. There are no bad checks or returned checks. All payments were sent in properly. Yet they still want another fee of {$300.00} that they can not explain. They are the worse company I have dealt with. They will not let me talk to the loan department. They have made a simple recast a nightmare.. If I do not the unaccounted fee of {$300.00} they will hit my credit and send to debt collectors or worse. 

I can not change who services my loan. 
All of the above is completely unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

First point has appeared on my credit report without giving me any kind of notices. This is illegal and has cost me significant credit hardship.
Product: Student loan

I have been unable to reach Nelnet to find help with my account. 

My Federal loans were transferred to Nelnet. I was previously on an Income-Driven Repayment option, on the 20-year forgiveness track. I am not currently working and have been trying to update my status on the site to lower my monthly payment obligation.

Also, while in my account, I noticed some discrepancies with the amount owed and could not find my 20-year track information.

I filled out the online form and received an email with instructions. To me, the instructions were not clear - it seemed as if they wanted me to start an IDR from scratch. Also, the email contained a broken link ( I tried from multiple browsers and over a period of time ). 

I tried calling Nelnet several times over the period of several days, with hold times of up to an hour and forty-five minutes. They do not have a contact feature on any social media and their chatbot was not able to provide specific answers to my questions or point me in the right direction. 

Today is the due date for payment and I have still not been able to reach them.
Product: Credit card or prepaid card

I am a XXXX XXXXXXXX XXXX who was scammed out of {$200.00} by XXXX XXXX XXXX XXXX advised their service is connected with American Express Serve card . Employee XXXX refused to conduct an immediate investigation & place hold on pending card amount of the {$200.00}. I began speaking with XXXX XXXX, American Express Executive Customer Care Scam Transactions Request by email XXXX. A copy of the card & receipt was forwarded. The response was an investigation was being conducted by their Prepaid Team but I haven't received any follow-up & not allowed to speak with that department. My attempts on XXXX & XXXX were unsuccessful. The voicemail box remains full. Messages have been left with the operator whose attempts were also unreachable. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report reflects three consecutive mortgage lates back in XXXX, XXXX and XXXX of XXXX suggesting that I was late in XXXX, XXXX and XX/XX/XXXX XXXX 30 day reporting ) I wrote the XXXX XXXX on XX/XX/XXXX disputing this report. I submitted both the credit report as well as my bank statement reflecting payments and dates for a full calendar year for both my XXXX XXXX accounts. I received a general acknowledgment response thanking me for my inquiry stating that I would be provided a response by XX/XX/XXXX. On XX/XX/XXXX I received a letter stating they were unable to determine my specific concerns. Additionally, I received a phone call that same day stating that they had resolution and basically reiterated what they show in their system. I asked them if they looked at any of my supporting documentation that reflected timely payments through my bank and that I thought they had an internal issue with how they applied they payments. This is consistent with how their statement reflects missing payments in XXXX and XXXX then multiple payments in XXXX. They admitted to not looking at the information and stated it would take more time. On or about XX/XX/XXXX, I received another phone call stating that they would not resolve my issues unless I submitted more supporting documentation. Since that time I have tried to get qualified for a mortgage on a new home and have been plagued with this inaccurate reporting. The new mortgage company that I have worked with has received very little cooperation from XXXX XXXX to resolve this as well. I am now stuck with the inability to get funding for a new home while in the process of moving. I believe XXXX XXXX has carefully walked the line in regards to being compliant with the FRCA, from a timing perspective, but has not done anything ethically to resolve the situation.
Product: Money transfer, virtual currency, or money service

I sold a oriental antique rug 10x12 on XXXX. The gentleman was sending the rug as a gift to his cousin, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX. He was known as XXXX, Phone # XXXX. He offered me : {$14000.00} for the rug plus {$600.00} for a {$500.00} gift card and {$10.00} for handling. I went out and got the {$500.00} gift card. He wanted me to scratch the back of the card and take photos of the front and back and send the pictures to XXXX. So, I did that and got a pending funds alert saying " Hello, XXXX XXXX XXXX '' XXXX XXXX send you {$15000.00} USD, Payment still on pending. You have a pending fund of {$15000.00} USD from your buyer XXXX XXXX. We would like to inform you again that the payment sent from XXXX XXXX not reflected in you PayPal account due o our terms and policy to confirm the XXXX  Gift card of {$500.00} with the receipt and back codes from you so that we would be able to credit your PayPal Account because your money was place on pending by us for security reason. 
Status of Pending Funds : 95 %, Details of Transaction : Transaction id : XXXX, Transaction Amount : {$15000.00} USD, Case # : XXXX. Special Note : This payment will appear in the Activity section of you PayPal immediately you send us the pictures of the XXXX Gift Card of {$500.00} with the receipts pt and Back Codes from you so as to verify it on our XXXX and release the fund into your PayPal account immediately. We are truly sorry for the inconvenience we may have caused you. We are doing this in order to protect the buyer and the seller for a smooth transactions. 
I bought a XXXX Gift Card and put {$500.00} on it. They later also wanted me to get a {$200.00} XXXX gift card. When I saw that, I used the XXXX Gift Card for gas. There was {$500.00} on the card. But after I purchased {$14.00} of gas. It said there was a Rem Bal : {$290.00}. I only took {$14.00} off the card. Someone charged {$190.00} on the card. Maybe it was the people at the XXXX. If this service has my money, why aren't they putting my money in my XXXX paypal account? Am I being scammed. They guy that I was texting back and forth at XXXX is in the XXXX and it happened on XXXX, XXXX XXXX. So, was I being scammed. I got a message from XXXX saying XXXX made me an offer which I accepted. He sent me money. The amount we agreed on was {$15000.00}. He used a paypal service : XXXX. I believe I jumped through the hoops. Now, where's my money. I haven't sent out the item.
Product: Debt collection

Ive tried to talk to a human and Im convinced this company that is calling is fraudulent. Im also convinced I do not owe them any money because I pay my debts, even if Ive had to pay late. You can not talk to a live human on the phone, its ridiculous! They call anytime of day, several times a day ... there is no end in sight!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a public record item that is on my credit report with Experian, XXXX, and XXXX. XXXX has removed the item, but these 3 have said they verified it with the Bankruptcy court. I have and have presented the letter from the Bankruptcy court that indicates that they do not verify this information with 3rd parties. I have disputed the item at least 3 times and have been getting the same results. At this time I'm not only filing a complaint with you, but I'm also looking into going to court due to the fact this reporting has delayed a mortgage loan I'm currently trying to get.
Product: Mortgage

I called you exactly on XX/XX/2021, and specifically requested for you to STOP AUTOMATIC DEBIT FROM MY PERSONAL CHECKING ACCOUNT MY MONTHLY MORTGAGE PAYMENT FOR XX/XX/2021. I spoke directly with your customer service number representative. You ( PennyMac ) went ahead and deducted XXXX 's mortgage payment on the XXXX, completely ignoring my customer request. I want the mortgage payment to put back into my checking account immediately along with the over-draft fee of {$32.00} my bank charges my account. This is the second time I have had trouble with you ( PennyMac ). I am reporting your unprofessional and unwanted activities about my account with you to the XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau as complaints with the way you conduct your business. 
Last month you called me on the XXXX and left a message about my loan payment being late, when it is not late until the XXXX of the month, and now this incident. I do not know why as a holder of my mortgage that you keep bother my account. I believe it is because I am a XXXX woman and a veteran. You advertise as being the best in helping veterans with Home Loan and that is not the truth. I am seeking to find a better mortgage company as soon as possible. I am sick of your harassment of my home loan. I have been a faithful accurate paying customer. I will not accept this type of business conduct from any merchant. I am also notifying the Veterans Administration about your services to VETS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted my investigation request about this auto loan with XXXX XXXX XXXX and the credit bureaus. I also have court documents proving that this account does not belong to me. Do not close this complaint without sending my complaint to the creditors involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a free copy of my credit reports through XXXX XXXX XXXX  today XX/XX/21 because I am planning on refinancing my car later this year however, I noticed that there are a few credit inquiries on my report that are not mine. The inquiries are from different companies all of which I have never applied to ; I did not authorize these companies to run or access my credit file nor am I affiliated to them in any way. I don't know who is responsible for these credit inquiries but I have taken it upon myself to file a police report as well as complaint with the Consumer Financial Protection Bureau in hopes of getting unauthorized credit inquiries removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and did not get a response from you within 30 days. Yall are required by law to do so. Please I investigate my disputes. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I find that my consumer file is being irresponsibly tampered with. Since XX/XX/2022 my credit score has not been updated ; and I have made several attempts to remind Experian of their duty pursuant 15 USC 1681.

It appears that Experian is intentionally and willfully being neglectful in remedying my affairs.15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. 

I have attempted to have these errors corrected on my consumer report twice via certified mail, and once by phone. The errors that I need corrected immediately, is my correct name, address, and a collections account deleted. 

On my phone call with Experian, I was provided with a case number which is XXXX to update my current address and my correct name. They have told me that the collections account was deleted, but it's still showing on my report. I have also sent them my drivers license and social security TWICE. I know they have received it because both times, because they notified me on their website 24-48 hours after I sent off the mail.

15 USC 1681i ( A.5 ) says that after the reinvestigations, all unverified information must promptly be removed. I can see in my Experian inbox a notification that says the collections account was removed, yet my credit report has still not been updated therefore the negative account is still on the actual account. I have a credit report with all 3 bureaus as well, and the Experian portion is completely blank and has been like that since XX/XX/2022. I have screen shots and tracking numbers to back up everything I have claimed in this letter, and I demand my credit report is updated IMMEDIATELY as it is effecting my livelihood severely. Please let me know if you need my current name and address, and the account numbers involved. 


Best Regards, XXXX XXXX
Product: Credit card or prepaid card

I have received two Debit cards which were not applied for. One is from Chase and one is from XXXX. I have tried to get through to Chase 4 times and got the runaround. I reported it to XXXX XXXX Police and got an Incident # XXXX. Many people are getting the same cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

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  and XXXX XXXX WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. 

EQUIFAX WONT EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD XXXX  I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. 



MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX..CORRECT MY NAME ) MY ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX MY PHONE XXXX XXXX XXXX MY EMAIL XXXX ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents Drivers license, Birth Certificate, SSN, XXXX my name needs to match my officail documents/
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an account in my name, but this account does not belong to me. I am requesting proof of their investigation on this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 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. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

Sometime in 2017 a checking account was opened using my social security number and a name different than my own.my name is XXXX XXXX But someone created a synthetic credit file using my social security number but using the name XXXX XXXX along with a fake social and id in that name.already filed multiple police reports as well as a ftc report.Us bank is reporting that I owe thru XXXX.the account was opened in Wyoming after investigating myself.also many fraud accounts were open in Wyoming and Colorado around this time frame.I have never lived in Wyoming.or Colorado.I provided proof of my residency while filing reports with police etc.I have always lived in XXXX texas.the social security number used was XXXX
Product: Money transfer, virtual currency, or money service

I used XXXX through my online bank M & T to make a transfer to an individual to purchase a handbag on XX/XX/18. The individual states she never received the funds and I as well never received my handbag. I have been given a USPS tracking that shows no package was received by the post office. I have communicated with this individual and still receive the same information. I contacted M & T and was informed that the individual received the funds and nothing can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

T

HESE COLLECTION RECOVERY COMPANIES ARE DISGUISING THEIR NAMES UNDER DIFFERENT NAMES TO CONTINUE TO POST COLLECTION AMOUNTS THAT WERE DELETED FROM MY CREDIT REPORT 7 YEARS AGO IN VIOLATION OF THE FAIR CREDIT REPORTING POLICIES. THESE DEBTS ARE FRAUDULENT AND WERE REMOVED FROM MY CREDIT REPORT FOR THAT PURPOSE, HOWEVER THESE AGGRESSIVE DEBT COLLECTORS CONTINUE TO HARASS ME ON A CONTINUAL BASIS. i AM NOW PREPARED TO FILE A LAWSUIT IN THIS MATTER, FOR HARASSMENT IF THIS CONTINUES.
THIS DEBT ATTACHED ID FRAUDULENT AND NEEDS TO BE REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I recently reviewed my XXXX and Equifax credit report and I noticed there were inquiries and a account that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact on my credit report
Product: Mortgage

Applied to US Bank for a refinance of original US Bank mortgage and a US Bank equity loan ( all inhouse products for them ) on XXXX. They required me to write them a {$1900.00} check for Escrow of insurance and taxes even though I had a {$2200.00} escrow balance with them on the existing mortgage. As of XXXX/XXXX/15 they have yet to refund my original mortgage escrow balance. They sent correspondence that any balance due would be issued in approx. 30 days. The first due date was on XXXX and they have had more than 30 days to issue funds. These funds were also in their possession so they could verify the funds with no issues and no third-party. It appears they are using consumer funds to create quite a substantial " float '' without paying any interest on these funds.