23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have been trying to resolve this issue with them for several years now and the companies actions with closure of the account didn't correlate to what was discussed on countless occasions. Nor does it correlate or match with the amount of the transactions that was in question or anything promised. I called the company initially when I saw the account closed to figure out what happened to the funds that were frozen in the account. They said they sent a letter explaining their decision and I would receive in the mail within a few business days. Initially my identity was stolen and my account was hacked into and had several unauthorized transactions occur which resulted in roughly {$5000.00} to be withheld in the account. The company had stated that the funds which were left in the account would be reinstated to the rightful owner who they came to a decision and the amount of loss I suffered through this account being compromised was just over the value of {$7500.00}. The transaction that was being questioned essentially was amounting to {$5000.00} so they said it would either be returned to the sender or it would be issued to me in a check. However when the account was closed the provided no information on their decision and issued me a check for the amount of {$2400.00} which makes absolutely no sense that's not even half of the value that was owed and there was no explanation for the decision as they had promised I would receive in that letter.
Product: Vehicle loan or lease

I bought my car with an auto loan through Capital One finance in XXXX, my mom was originally a co-signer on the account, she has since passed away on XX/XX/XXXX. I have called Capital One several times asking them to take my mom off the loan and stop sending mail addressed to her to my dads house. I have also asked everytime I called if they needed me to send them a death certificate and they say no that they will verify the death. It is incredibly distasteful and upsetting to constantly get mail with her name on it every month when I have been assured by Capital One representatives that she will be removed from the loan and the mail addressed to her would stop.
Product: Mortgage

1. I recently filed for Bankruptcy this past XX/XX/XXXX and intended on reaffirming my mortgage. RoundPoint mailed my reaffirmation agreement which at the time I did sign and email back to them in XX/XX/XXXX. RoundPoint never filed the reaffirmation agreement with the court, thus resulting in my mortgage being discharged with the Bankruptcy. A few weeks ago, I was reviewing the agreement and noticed the terms ; a monthly payment of {$1400.00} for 300 months which equates to total payments of {$420000.00}. The balance of my mortgage is only a little more than $ XXXX. I called RPM on XX/XX/XXXX to ask why would they ever try to get me to pay more than XXXX what's owed on the mortgage and who completed the reaffirmation agreement. They would not provide me with either and told me to call a lawyer. 

2. Due to XXXX and being unemployed for some time, I was on a payment deferment plan for quite sometime, which has caused my mortgage payment to increase. I asked for a loan modification to be completed, however it was denied and I was placed on a repayment plan that I did not request and the mortgage to be paid was {$340.00} higher than my current mortgage amount ( {$1300.00} to {$1700.00} ). I called RPM and asked how that payment was determined and was given a formula ( past due balance divided by 12 and added to the current mortgage of {$1300.00} ) that didn't add up. When I brought it to the reps attention she said, " well you actually should be paying more based on this calculation but you're not ''. I advised her that no, I want to know how RPM came up with this payment amount and why nothing was sent to me in the mail explaining it. No one could answer my question and I was told a ticket was opened and to call back in 1-2 weeks. Meanwhile, they are requiring me to pay the mortgage of {$1700.00}. 

3. Escrow Analysis completed in XX/XX/XXXX is incorrect. I spoke with someone on XXXX regarding the mortgage repayment amount and somehow we got on the topic of mortgage escrow. I noticed the individual who completed my analysis did not include the correct amounts paid to taxes. The rep explained that since the 2nd half of the years tax bill had not been generated, an assumption was made what the amount would be, That assumption was much higher than what RPM actually paid on my behalf for taxes and no one ever went back to correct my true escrow payment amount, thus, I have been overpaying XXXX 's escrow by {$53.00} ( {$630.00} ) for the year. I asked how the error would be resolved and was told a ticket would have to be submitted to request an escrow re-review for XXXX. 

4. Since the error with my XXXX escrow, I am now going back to check previous years to make sure the same error hasn't happened. I was unable to access any statements online prior to XX/XX/XXXX as RPM had revoked access to my account. Even when I accessed my account I noticed there aren't any previous escrow analysis saved to my documents nor have they been mailed to me. I was told to email my request and it would take 3 days for someone to email me my accounts escrow analysis history.
Product: Debt collection

I received a call from XXXX on XX/XX/year> @ XXXX, which had a Capital One caller id. Online search of the number revealed it to be a collection agency number for Capital One, or possibly a scam/spoofed number. I have NEVER had a Capital One account or card. I told the caller to remove my number from their list and hung up on them.
Product: Credit card

On XX/XX/XXXX, I made a payment for hotel and flight reservations with my American Express card ( AE ) to XXXX, its travel agent, XXXX XXXX, located in XXXX, Oregon. 
On XX/XX/XXXX, I contacted the travel agent to cancel all of my reservations and request a full refund of {$2000.00} for the hotel. I have been disputing this charge with AE since XX/XX/XXXX to date with no resolution. 
In one of the attached emails dated XX/XX/XXXX, I was informed for the first time, that the hotel reservation was a non-refundable transaction. Though the transaction occurred on XX/XX/XXXX. Therefore, this is the problem I have been disputing with all parties involved, including AE, that the agent failed to communicate to me, either in writing or verbally, of any cancellation/refund policy. 
I do not believe I should be penalized for someone else 's negligence failing to notify its customer of any cancellation/refund policies. Neither did XXXX XXXX inform me of any third party provider of services until I received the vouchers issued by XXXX. And XXXX, upon its response letter to AE on XX/XX/XXXX. XXXX XXXX received her commission. Travel Bound received its payment. And I am stuck with a {$2000.00} AE bill due to someone 's ineptitude. No one is taking responsibility for failing to lawfully inform the customers of its business ' policies. 
On three ( 3 ) occasions, I have disputed this charge with AE. On three occasions, AE has informed me there is nothing more they can do to get the refund from the parties involved. As recent as XX/XX/XXXX, I was contacted by XXXX XXXX, American Express Executive Customer Care with the same response as before. I have observed a lack of protection towards its customer from AE. Evidently, AE has easily accepted a snapshot received from XXXX and XXXX as sufficient evidence to rule in their favor. I have provided written emails evidence to all noting that XXXX XXXX failed in her fiduciary duty to inform me, anytime prior to finalizing the transaction with XXXX. My evidence has been completely ignored. 
At no time did she mention any cancellation/refund policy. I have repeatedly requested all parties to provide me with written or verbal evidence that I was dutifully informed of their policies. All have chosen to ignore my request including AE. 
XXXX provided a refund of {$25.00} on the first dispute. I have asked for an explanation for the refund. Also, it has not been addressed in either of their response. 
Additionally, I am extremely dissatisfied with AE 's poor customer service support. During this dispute, I have observed a lack of support or protection towards its customer. 
I have also noticed XXXX website states their hotel cancellation/refund policy. If canceled 72 hrs or more, full refund. I canceled beyond that timeframe. I find this a deceitful practice to customers. I am requesting XXXX to provide a written explanation of the contradiction of this policy and its refusal to issue a full refund.
Product: Credit reporting or other personal consumer reports

Disputed multiple times with XXXX over incorrect information and after their investigation, the payment history information continues to have incorrect consecutive and reoccurring details. The account has been paid/settled and even written off by the creditor, however a XXXX was not provided.
Product: Mortgage

I, XXXX XXXX filed a complaint directly with the Federal Housing Finance Agency recently directly against Bank of America, and it 's inability to apply the multiple options available to me by an act of Congress with the establishment of this agency to intercede against the fraudulent actions of national banks that brought about the real estate meltdown that started in 2008. The Federal Housing Finance Agency was established to clean up the trillions in what is known now as " zombie debts '' throughout the United States. My complaint has actually brought about a filing of a lawsuit against Bank of America, all servicers and the XXXX XXXX XXXX XXXX that is the current owner of my mortgage. The national banks such as Bank of America are in position to easily help resolve my dispute. I personally can not compete against the extensive legal and financial resources that Bank of America has at its disposal. The Federal Deposit Insurance Corporation eventually pays for all foreclosure defenses for national banks, while an individual such as myself can not afford to match said resources. I respectfully request the Consumer Financial Protection Bureau to review my complaint to see if this matter can be resolved professionally to the best interest of all parties. I had no other option but to complete a personal bankruptcy petition to cease the continuous destruction to my personal credit. However, I still wish to maintain my residence with a substantially reduced and restructured mortgage arrangement.
Product: Checking or savings account

I would like a full investigation in what is taking place with my funds. I want access to my funds immediately and any fees added due to this issue-refunded. I would like for the cfpb to also provide their investigation and any fines that capital one would be responsible for.
Product: Credit reporting or other personal consumer reports

I, the consumer and natural person, was denied credit by Truist Bank when I applied for a personal loan. 

I, the consumer and natural person, was denied credit by Truist Bank when I applied for a personal loan. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
You are subject to criminal liability for violating 15 U.S. Code 1691 as I have proof that I was discriminated against by Truist Bank due to the response I received.

Truist Bank is in violation of 15 U.S Code 1642, U.S.C 1681a, U.S.C 1681m, and Title 12 ( CFR ) Part 1002, because I, the consumer, made an application in good faith, but credit was not issued.

In addition, Truist Bank is in violation of 15 U.S Code 1602, 15 U.S Code 1602 ( g ), 15 U.S Code 1602 ( j ), and 15 U.S Code 1643 ( e ) because I, the consumer, a natural person, am the creditor and I, the consumer, have an open-ended consumer plan, as well as an unauthorized use of the credit card which resulted in a loss. 
Furthermore, as stated above, my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Truist Bank. 
If Truist Bank fails to make any reasonable procedure to resolve this matter and compensate me for the use of my credit card I will indeed make Truist Bank criminally and civilly liable for all actual damages pursuant to 15 U.S Code 1681 ( n ) and 15 U.S Code 1681 ( 0 ). 

Futhermore I am writing to you today to request your immediate attention to my loan application and invoice payment. I submitted my loan application on XX/XX/2023, and attached all of the required documentation. I also provided you with an invoice for {$11000.00} that is due on XXXX XXXX as well as the loan for {$5000.00}. 

I have been awaiting hearing from a client advocate about the status of my application, but I have not received any updates. I have also tried to contact a client advocate on several occasions, but I have been unsuccessful. 

I am very concerned about the delay in processing my loan application and invoice payment. This delay has caused me significant financial hardship. I have been delayed in paying my bills without this loan, and I am accruing late fees on the invoice that I have sent to you. 

I am requesting that you please review my loan application and invoice payment immediately and take the necessary steps to approve my loan and issue payment. I would also appreciate it if you could contact me as soon as possible to provide me with an update on the status of my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed some of the accounts that were having late payments with the credit bureau for several attempts, to no avail. I have paid my obligations on time which is not ..Please CFPB help me out here and remove the accounts, you are my last hope. The following accounts are inaccurate XXXX   XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, these companies has violated my rights. 

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 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 purpose
Product: Vehicle loan or lease

This complaint is regarding the close out of a lease and a new lease both with XXXX. 

On XX/XX/2018, my lease with XXXX should have ended once the dealership paid off remaining payments. In error, 2 payments were drafted from my checking account in the amount of {$290.00} on XX/XX/2018 and XX/XX/2018. 

I have made multiple calls to get this issue resolved. I have been told various amounts for refund due to me including {$890.00}, {$590.00} and {$290.00}. I have been promised a check arriving XXXX, XXXX XXXX refund, and emailed check ( call on XX/XX/2018 ). We all know that a check sent via email can not be negotiated. Whenever I call in, I need to start all over and get different info each time. I was told that not all calls are recorded. 

I emailed XXXX and received confirmation of receipt on XX/XX/2018. I received no response or resolution from this complaint. 

Today I called and was advised that one of the over payments was credited to my new lease. However I can not see that on a statement nor online. 

The last I was told told is that I am due a check in the amount of {$290.00}. No one is giving me accurate information on why an over payment has still not been refunded to me. XXXX XXXX is the supervisor that I spoke to today.
Product: Debt collection

XX/XX/2023 : I switched phone service providers AFTER paying off the remaining amount of both of my phone payments. I was told by my current provider that I do not have to notify my old provider of the switch unless I had ongoing payments which I did not. 

XX/XX/2023 : I recieved a letter from a debt collection agency known as Diversified Adjustment Service, Inc.That I owed {$350.00} as of XXXX via mail. I was never contacted before this date for anything regarding an account with my previous phone service provider because my account closed when I switch providers XXXX. 

XX/XX/2023 : I sent a debt validation letter to Diversified Adjustment Service , Inc . Using the same address the debt letter was sent from and my letter was sent back. I attempted again with their corporate address with the same result. I do not plan to call them for their website states that calling them on the phone will be seen as an attempt to collect a debt and all information given will be used to do so. I was notified of the right to dispute the debt through them and I feel like that right is being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX XXXX XXXX in the payment history section XXXX is reporting 20 late payments, Equifax is reporting 18 Late payments, and XXXX is reporting 16 late payments. Now all three of these balances can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan inquiry for a college loan I didnt authorize so I called the loan Institute and got no where Im XXXX and I didnt apply for a loan to go to college.
Product: Mortgage

I am a XXXX XXXX. I have never made even a late payment to my mortgage. Northstar Mortgage d/b/a Mr. Cooper had a some sort of computer attack or breakdown. After the attack they had issues with who paid and who did not pay. I have sent them multiple copies of my bank statements to prove that my payment was submitted as I have submitted for years. They are simply stating that I did not pay.

Northstar Mortgage either lost, stole or used my payment to pay someone else account.

They have sent multiple harassing letters and phone calls.
Product: Mortgage

Village Capital purchased my loan from XXXX XXXX  XXXX XXXX  company. On XX/XX/2020 I received a letter from Village Capital informing me that my loan was moved to Village Capital for servicing. The letter stated that I owed Village Capital payments beginning on XX/XX/2020. Note that the date of the letter was XX/XX/2020. My XX/XX/2020 payment was sent to XXXX XXXX  XXXX per the original loan arrangements. I called Village to explain that I paid XXXX XXXX  XXXX and that they should resolve the issue with them. I also sent a copy of my check to XXXX as proof of payment. On XX/XX/2020, I remitted my next payment to Village per their instructions. In spite of two phone conversations with Village, my proof of payment and the obvious fact that Village informed me of the new servicing arrangement AFTER the due date of XX/XX/2020, I continue to get robocalls, letters and texts claiming I am delinquent in payment and that my credit will be damaged if I do not pay.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I authorized a wire transfer in the amount of {$1400.00} from my bank, XXXX XXXX, to the merchant bank for CoinBase, XXXX XXXX XXXX. I've confirmed the money was received at XXXX XXXX  on the same day and I've been providing CoinBase with the confirmation IMAD number for that wire since last week. They have yet to credit my account for the wire. I get XXXX response from their customer support except to be told that my complaint has been passed on to a specialist and elevated to critical status. That was last week and I have yet to hear from any specialist. At this point I'm considering the money stolen by CoinBase, and I have initiated a claim with my bank. But they have said since I authorized the wire, they will have a hard time resolving the issue to my satisfaction. That is why I'm writing to you. I've also reached out to a law firm that is coordinating a class action against CoinBase so that I can be included. 

I am not the only one complaining about this. A quick XXXX search or scan of the website XXXX will unveil a plethora of similar stories, many involving much larger sums of money. 

Please do the right thing and hold CoinBase accountable for this negligent behavior.
Product: Credit reporting or other personal consumer reports

My account with XXXX  AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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. XXXX AND XXXX XXXX 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: Credit reporting or other personal consumer reports

As we all know TransUnion is under investigation for improperly reporting on our credit reports. My information has been breached and I have learned about it being on dark web. Maybe this has something to do with how transunion reports. I am complaining because I feel my credit report could be reporting better through these companies.
Product: Mortgage

I have been requesting the NOTE on this account they say I have for over 30 days. with no luck. I have already submitted a claim to the CFPB Complaint ID XXXX. 
You closed it without a resolution. Attached are the documents along with the deed to my home show that the XXXX  number XXXX in fact is correct and they can not provide any info on this. They will not do the research. And neither did you guys. I need the lien released so I can move forward.