23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XX/XX/XXXX, I started the application process of refinancing my home mortgage with a cash out option with a company called New Day USA for the purpose of paying off approx. {$26000.00} of personal debt ( credit cards, personal loans, title loan, etc... ) After the initial phone conversation with an account executive named XXXX during which time I told him I was behind on my mortgage payment, he said it would be alright but he also wanted me to email him a copy of my current mortgage statement showing I was behind, so I did that. Then the appraisal, pest inspection and water test ( I'm on a well ) were scheduled and completed, the appraisal came back at {$160000.00}, the other inspections came back good. Then XXXX is telling me the loan got approved for 100 % of the appraised value, meaning I would be able to access approx. {$27000.00} which would completely payoff all of my personal debt I mentioned earlier. Then I was sent the closing documents which I e-signed and returned to New Day USA. I was told the disbursement date for the funds would be XXXX XX/XX/XXXX, after not hearing from XXXX that morning, I texted him around noon asking when the funds would be disbursed. I got a reply a little later on from him saying he was no longer working in the mortgage department and someone else was handling my file, and he gave me a number to call to which I called and talked to a man ( cant remember his name ) who told me also XXXX wasn't working in the mortgage department and that my loan got disapproved. I was in disbelief, I asked why and was told because I was behind on my current mortgage, I was furious because they were told this from the beginning from me on the phone and by me emailing my mortgage statement to them. Then a few weeks later in late XX/XX/XXXX, I received in the mail, the letter of adverse action from New Day USA, it stated my loan was disapproved because I was behind on payments, the strange thing about this letter I noted was it's dated XXXX XX/XX/XXXX, the same day I started the loan process. It appears they're trying to hide the fact the loan went all the way through the closing documents being sent to me and myself e-signing and returning them. I also asked about my closing documents and was told " what closing documents ''? to which I replied the ones in my customer portal account to which I was told that account has already been deleted, I thought to myself, how convenient. Now this has pretty much wrecked my credit because I can't get a refinance loan until I can show XXXX consecutive months of on time payments which wont be until XX/XX/XXXX, since I can't access my equity in my house to payoff the high interest, high payment debt I had planned on doing back in XX/XX/XXXX, that debt has become delinquent. In my opinion New Day USA should be held accountable for their incompetence by proceeding with my loan knowing I was behind. I also feel I should be compensated in some way I can payoff the personal debt that was supposed to get paid off when I received the funds from my " approved '' loan.
Product: Checking or savings account

Reporting an error in accounting that deducted {$610.00} from my Bank of America checking account ending in XXXX that was supposed to be credit applied to my BankAmericard XXXX XXXX card ending in XXXX. 

This is in regards to CFPB complaint ID - XXXX XXXX XXXX is the name of the complaint specialist that handled this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX have violated my rights! 
Account # XXXX in the amount of {$3600.00} & also, Account # XXXX in the amount of {$19000.00} 15 USC 1681 Section 602A States that I have a right to privacy!

15 USC 1681 Section 604A Section 2 States that a consumer reporting agency CAN NOT furnish ANY account information or personal information without the express written consent and authorization of the consumer! This company has NO such documentation from me!

15 USC 1692 Section 805A States that a debt collector may not communicate with the consumer in reference to a collection of a place known or should be known to be inconvenient to the consumer! 
15 USC 1692 Section 806 Section 5 States that causing a phone to ring or engaging any person in a telephone conversation repeatedly with the intent to annoy, abuse, or harass any person at the called number! 
This company has violated ALL of these laws and several more for an extended period of time. Please Act within the full power and authority of your office and rectify these abuses and violations once and for all!!! 
Thank You XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

On Sunday,XX/XX/XXXX, I received a phone call from someone identifying themselves as a representative of Synchrony Bank. The representative stated that my account was past due, and that I needed to make a minimum payment of {$100.00}. I explained to that person that I would not be making a payment, and hung up. <P/>On Monday, XX/XX/XXXX, I reviewed my payments through my personal bank, and saw that I have made {$40.00} ( minimum payments ) onXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and my recent payment was done on XX/XX/XXXX. I also checked my files, and saw that I have not received a bill since XXXX ( shows a due date of XX/XX/XXXX ), which I am set up as a Paper Bill Recipient. The XXXX bill reflected aXX/XX/XXXX due date, thus showing the due dates to be on or about the XXXX of each month. <P/>When I called the bank, they explained that my account was past due, and a {$37.00} late fee had been assessed. They stated that no payment was made for theXX/XX/XXXX due date, nor did they show the two payments I made in XXXX. The payment I made onXX/XX/XXXX did not reflect on their system as of yet. <P/>When I explained that I made a payment on XX/XX/XXXX, they stated that the payment was made before the billing cycle, and did not apply as the XX/XX/XXXX payment. When I asked them why they show that I owed {$100.00} instead of a minimum payment, they just stated that the past due payment, the current payment, and the fee is the amount. <P/>When I asked why they do n't reflect the two payments in XXXX, they would not provide an answer. <P/>My complaint is, this financial institution is failing to record payments on accounts, and they are failing to record payments as that of the minimum monthly payment. Also, they are failing to send out paper bills advising the customer of the due dates. This practice is clearing a fraudulent activity and is done for the purpose of collecting additional money in the guise of late fees.
Product: Debt collection

My account with XXXX XXXX is paid completely and closed XX/XX/XXXX. As a matter of fact, they sent me a check back for overpaid owed money {$600.00}. Yet some how the account was reported as charged off XX/XX/XXXX, despite that it is been paid and closed XX/XX/XXXX The account has been sold to XXXX different collection agencies ever since. As of now the account sits on the credit report as in collection and a separate collection agency for the account is there too which is ruining my credit and score. I disputed the item with all all the collection agencies and XXXX XXXX but got no where. I am attaching all document for your information.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the following credit bureaus are reporting erroneous information in regard to my credit report : XXXX Experian XXXX XXXX XXXX XXXX, XXXX, is showing up on all the major credit reporting agencies as a judgment, when this debt has been paid in full, please see attached documents submitted. 

XXXX  XXXX  - is still on my report as a collection, when this was submitted to the bureaus as fraud. I disputed this on every major credit reporting agency, however they refuse to take this off the report. 

To my understanding it is being reported as closed, so this should not be reporting on my report. 

XXXX XXXX - is still on my report as a collection, as a Payday loan, I reported this as fraud also with all of the major reporting bureaus however they refuse to remove this item.
Product: Credit card or prepaid card

I started an application online with American Express Hilton Honors. I decided I did not want to go through with applying or getting a new card so I never submitted the application and forgot about it. A card was sent to my house. I immediately shredded the card thinking it was something I was supposed to activate. In fact Amex stole my information online and opened the card against my knowledge and will. I found out about it when I received a late fee for a service charge on the account. I have spent hours on the phone with the them. They tell me its fixed but then a late charge is still existing and effecting my credit. I can not resolve this and need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRY COMPANY UNRESPONSIVE COMPANY : XXXX XXXX ON XX/XX/2019
Product: Mortgage

I closed on a mortgage about XXXX months ago. At that time, I had to take XXXX Now, my XXXX is XXXX XXXX and they refuse to remove the XXXX. They say it is staying on until XXXX. Their own website says it is automatically removed at XXXX XXXX, and you can request it to be removed at XXXX XXXX. The original loan was on a property sold for {$190000.00}. I owe {$140000.00} now. I believe there is corruption and lying going on, at my expense. Can you help?
Product: Credit reporting or other personal consumer reports

It was deeply upsetting to find inaccurate accounts listed on my credit report tonight, and I am completely baffled as to how they got there. I check my credit report regularly, but this time, I noticed discrepancies that I wasnt expecting at all. I even refreshed my browser multiple times, thinking it might be a glitch, but the errors persisted. Given this, Im asking for a detailed review of the documents I provided to ensure this issue never happens again.
Product: Debt collection

An open end consumer credit transaction initiated in XX/XX/2020 has resulted in theft and deception due to unconscionable contract and fraud of CIG FINIANCIAL. This company stole a vehicle that was paid in full, and continues to report intentionally harmful data to credit reporting agencies.
Product: Credit reporting or other personal consumer reports

On numerous occasions, I have expressed to TransUnion of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. TransUnion does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave TransUnion my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$XXXX} each. If this is not fixed in the next 15 days, I will file a suit and will follow up with an Invoice of Each Violation.
Product: Credit card or prepaid card

Synchrony account manager stated a refund of {$92.00} was due on my account within the next two days. She stated this on a record line and documented this in her notes on XX/XX/XXXX. I called today and a representative saw the notes. The {$47.00} was credited for the second return that I had sent ; however, the {$92.00} was not credited. Instead, recently, I received an email stating that a credit of {$13.00} was being issued and now I have a positive balance of {$13.00}. This is not correct. I paid the account out and should have a positive balance of {$92.00}. I have written to the CEO, talked to her assistance who fraudulently placed a credit of {$13.00} that had been issued months ago on my XXXX XXXX card from XXXX. They refund XXXX   {$13.00}. There is someone doing illegal activity on my in house XXXX Account and placing fraudulently another {$13.00} on this account instead of {$92.00} that was recorded by an account manager. No will discuss this from Corporate. Yet, tonight, XX/XX/XXXX, an account manager sees the notes that I am referring to ; she does not have a clue why the {$92.00} has not been refunded. This is fraudulent activity on my account by staff with Synchrony.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX ) XXXX Balance : {$760.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX OF XXXX XX/XX/XXXX
Product: Checking or savings account

I had a checking account ending in XXXX and I provided the CPA letter to show business ownership to Chase Bank via email and sent it to XXXX I need my funds that are rightfully owed to me. This is {$22000.00} that I have to pay back to the government. I also need the other remaining funds of {$4700.00} which is a total of {$26000.00} I spoke to XXXX at the executive office and did not hear from him nor anyone at Chase since XX/XX/XXXX and it's already XX/XX/XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us representative but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report and FTC and affidavit That was after attempting to contact Transunion more than 21 times. Transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now I'm XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE I'm XXXX  now.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app, ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash app specifically, failed to take timely measures to prevent and address fraud on their platform. Such lack of action left my account vulnerable and unprotected. Furthermore, their dispute resolution process was beyond deceptive and unfair. They didn't comply with any error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

This Complaint is to Ally Financial. 

In XXXX XXXX, XXXX I have financed a vehicle with Ally Financial, XXXX XXXX CC, XXXX XXXX. 

In XXXX, XXXX I crashed my car in a parking lot, and the car had damages in the front, my insurance did not want to pay for the damage since it was in a parking lot, so I took the car to a body shop named " XXXX XXXX XXXX '', they told me that to fix the car it will cost {$3000.00}, at that moment i was not able to pay for that, I even had a payment arrangement with Ally in my monthly payments, my mother was in the hospital, she got both legs amputated, and i had to take care of her so I was not able to go to my job until i resolved my financial situation. 

So, I called Ally I explained to them that the car was left in the body shop, that i was not able to pay the body shop I gave them the address for them to repossess the car, and they never did. Ally called my asking me to pay the full amount own on the account more that {$14000.00}, i told them they should repossess the car, because I did not have the car and I notified them where the vehicle was for them to pick it up, something they never did, i told them i can not pay a car I do not have. 

Now I work in a car dealer ship so I was able to look the History of the vehicle with the VIN number, and i found out the body shop put a lien in the car, they notified Ally, and they never repossess the car, also the body shop sold the car to some body else. That proof that I do not have the car, that I can not pay for a car I do not have, and Ally did not repossess the car, even when they were notified by me, and also by the body shop. See attachment for proof.
Product: Credit card or prepaid card

On Sunday, XX/XX/XXXX, I attempted to use my Bank of America debit card at a local restaurant. The merchant informed me that my card was declined. In disbelief, because I knew what my account balance was, I called the banks customer service. After being on hold for over 30 mins, no satisfactory solution was provided. I was told that my card is marked as " expired '' in their system, despite my card being valid in accordance with the expiration date on the physical card. The representative acknowledged in the recorded phone call that they do n't know what the problem is. All they could tell me at this point was to wait for a replacement card in the mail, which could take over a week. I was very disappointed and upset and there was no manager available to fix my issue. I requested for a manager to call me as soon as possible. Apparently Bank of America does n't value their customers enough to even call them back when they are suffering from a circumstance that is a fault of the bank and not the consumer. No recompense has been provided so far. I made a fool of myself with the local restaurant. I would like for Bank of America to provide recompense for my troubles and embarrassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
FIRST PROGRESS XXXX {$160.00} XX/XX/XXXX XXXX  XXXX XXXX   XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX
Product: Debt collection

XX/XX/XXXX Called Synchrony to request cosign verification, but they told me the account had been transferred to a new company. I called that company, and they told me the account had been transferred to a company called XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX ext. XXXX ( Customer Relations ) Per phone call with XXXX on XX/XX/XXXX, they placed order for Credit Application. They will send me the application as soon as they have it XXXX provided me with the following info regarding the line of credit : o Credit Card Account for XXXX XXXX with Synchrony Bank Opened on XX/XX/XXXX Sold to XXXX on XX/XX/XXXX Balance as of XX/XX/XXXX : {$4300.00} XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XX/XX/XXXX Received letter with detailed account history as verification that the balance is correct, but this is not what I requested XX/XX/XXXX Sent letter to XXXX requesting original agreement/credit application/any documentation proving I actually cosigned for this credit card XX/XX/XXXX Received second letter with detailed account history as verification that the balance is correct, but again, this is not what I requested XX/XX/XXXX Called XXXX to request proof of cosign again, but they informed me they transferred the debt and all accompanying info to new firm called XXXX XXXX XXXX Called XXXX XXXX XXXX to request verification of cosign, but they said they do not have that information. All they have is proof of debt. I asked if they can tell me where the original agreement was started and signed ( store location ), but they said they dont have that information either. I told them Id like them to remove my name from the loan since no one can provide proof that I cosigned for it, and they replied saying they, Could make payment arrangements. I told them I wont make payment arrangements for a debt that is not mine. <P/>Todays Date : XX/XX/XXXX Letter Received : XX/XX/XXXX To Whom it May Concern, It is alleged that I cosigned for a credit card account for an individual named XXXX XXXX. I have not spoken to XXXX in years, and when I recently started receiving calls from debt collectors, I attempted to contact him. I have tried to call him, text him, email him, and even contact his mother in order to obtain accurate contact information. However, I have not been able to contact him, so I am hoping you are able to help me. I do not recall cosigning this credit line for him, so I am requesting a copy of the original agreement/contract/etc. with my signature as evidence that I signed. If you are unable to obtain a copy of an agreement with my signature, I am requesting to be removed from this credit line. Please send all mail to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX You are also welcome to call me with any questions : ( XXXX ) XXXX Respectfully, XXXX XXXX
Product: Bank account or service

-On XX/XX/XXXX I ordered ACH push transfer from my Capital One 360 Savings account into my XXXX XXXX account. 
-On XX/XX/XXXX the funds were credited and available in my XXXX XXXX account. 
-On XX/XX/XXXX I closed my Capital One 360 XXXX account. 
-On XX/XX/XXXX the funds were withdrawn WITHOUT MY CONSENT from my XXXX XXXX account back to Capital One. 
-On XX/XX/XXXX a Capital One representative confirmed by phone that Capital One reversed the ACH push transfer ordered on XX/XX/XXXX. They executed the reversal without my consent or previous request. The Capital One representative said they do not know where the funds are so they will have to order an investigation that they say will take several business days. 
-At this point the funds are nowhere to be seen. 
-Capital One reversed a perfectly valid transaction already confirmed by the destination bank ( XXXX ) without giving a reasonable explanation of why.