23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Below is a copy of the email I sent to XXXX at Lenox financial concerning he issue. After no response, I sent a follow up email on XX/XX/XXXX, to XXXX XXXX, Senior Sales Manager who replied that forwarded the email to XXXX  and their legal department. Still no response. 

XXXX XXXX XXXX Attachments Mon, XX/XX/XXXX, XXXX XXXX  ( 8 days ago ) to XXXX  Dear XXXX XXXX XXXX XXXX instructed me to contact you concerning my bad and costly experience with Lenox. He did not have the ability to resolve the issue. 

I began a straight forward XXXX  XXXX refi process with Lenox on XX/XX/XXXX. It was advertised on the radio as closing in two weeks. XXXX notified me that due to the volume of refi applications and lack of staff, I should expect to close in 30-60 days. Please review this message string to see all of my communications with your team. On XX/XX/XXXX, 5 months into a two week process, I cancelled my application due to Lenox 's failure to perform. 

During those five months, your team : Pulled our credit reports three times, dropping our scores nine points Requested payoff statements three times from XXXX XXXX. Each of the three statements, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, had language explaining that the escrow impound account would be frozen. My property taxes due XX/XX/XXXX and past due on XX/XX/XXXX were not paid. My property sits on two parcels, both incurred a penalty of 10 %, for a total of {$420.00}. I expect you to promptly reimburse me for the tax penalties. 

I went with XXXX, and the refi process was completed and recorded in 18 days. We lost 4 days, due to my delinquent tax situation your team caused. 

If your team kept their commitment to close in two weeks, or even 30-60 days, I would have saved about {$150.00} per month in lower payments. 

At this time, I am requesting you reimburse me for the tax penalties and we'll consider the matter closed. 

The cost of extra interest I paid and the damage to my reputation and credit score will be chalked up to the privilege of doing business with your company. 

I have attached supporting documentation for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost my entire credit report is missing. Dozens of accounts, inquiries, etc. that were once on my Experian report are now completely missing when I pull a report from the Experian website. This may be the result of my file becoming too large and it splitting into two, which would need to be rectified immediately to make it whole into one again. Otherwise, I would need an explanation as to why Experian arbitrarily deleted all this information.
Product: Mortgage

on XX/XX/XXXX I paid {$3000.00} dollars that I intended to be an principal only payment. on XX/XX/XXXX I paid {$1200.00} As my XXXX payment. Chase bank applied XXXX $ dollars as ( XXXX ) XXXX payment of {$1200.00} ( XXXX ) XXXX payment of {$1200.00} ( XXXX ) remaining balance of {$590.00} principal only. I spoke with customer service on XXXX XXXX to request my payments be applied as intended. ( 1st time ) Chase bank did not comply. I spoke with customer service on XXXX to request my funds be applied as intended ( XXXX time ). Again chase bank used funds from XX/XX/XXXX apply to XXXX payment. Chase bank contacted me on XXXX to confirm satisfaction I stated no and reiterated my request. ( XXXX time ) while misapplication reversal of funds was done. My Funds from XXXX was again applied to XXXX payment. I spoke with customer service on XXXX to request my funds be applied as intended. ( XXXX time ), submit complaint with CFPB and any action form chase bank is unknown at this time.
Product: Mortgage

on XX/XX/2019 I canceled my hazard insurance because I was struggling to make my payments for what was an excessive amount of insurance $ XXXX.I notified my loan serveicer, about two weeks prior and informed them that I wanted them to force place the hazard insurance, however I did not think they would go and buy another {$250000.00} policy since the limit of my liability to them is around $ 49,000.even after talking with various company reps on at least ten occassions, they still fail to see their mistake.I contend that they can only charge for the amount that remains owed by me on the loan.Am I right or wrong.If in case I'm wrong on this, I need a justifiable reason explaining why.
Product: Mortgage

Ocwen h as overcharged me in the amount of {$110.00} on my mortgage account statement, dated  XXXX / XXXX / 17 , that claims to be for a property valuation expense, mortgage account statement attached. I have never requested, nor consented to, or ever been given any advanced notice that there would be such fee/charge for a property valuation expense. Where did this fee come from and why am I charged for this? Please correct this error immediately and send me a confirmation of the correct notice.     I look forward to your prompt response.
Product: Debt collection

I lent money from CashNetUSA and then I sought out help from XXXX XXXX XXXX  payday loan management company, to help manage my payday loan debt. XXXX XXXX XXXX  and I sent them a cease and desist order. They violated that repeatedly. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX  and complained. The XXXX  mediator let the company continue to lie and even question my XXXX veteran status despite evidence. I also contacted Illinois Attorney General XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Currently dealing with the seller on XXXX for XXXX $ + for not receiving the item as he is not responding I opened a case and am disputing that on there but I was promised the item from the supplier that it would be shipped if I paid for the sellers price to ship the item in the amount of XXXX $ USD. At first they wanted me to pay XXXX $ but I explained how I already sent XXXX $ for the item over PayPal/XXXX. The next day the supplier company contacted me and said that they got in contact with the seller and were going to wait 3 days for him to make a payment yet they have not and refuse to refund the amount of XXXX $ as they refuse to have the item shipped between the seller and supplier company they claim to be it is a ver elaborate scam and it has been an ongoing back and fourth conversation between me and the supplier company as the person who sold me the item will not return my messages. 
Also attached is the conversation in email. U have to read bottom to top this has all taken place XX/XX/XXXX to XXXX and still on going the item was purchased XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

This is my Third attempt to get CFPB to resolve my complaint. I don't understand how no one is being held responsible for funds lost after depositing into a bank ATM. 

The previous complaint was not resolved. I still have yet to be contacted by anyone at Bank of America, so i have a hard time understanding how CFPB or Bank of America can close a complaint when it is unresolved. 

Additionally, this issue happened while i was attempting to fund my account during the COVID-19 pandemic travel restrictions and my complaint is still not being honored by CFPB or Bank of America. So the second time here it is : On XX/XX/2020 I visited the XXXX XXXX  at XXXX XXXX XXXX in XXXX, MD. The purpose of the visit was to deposit {$1000.00} into my Bank of America checking account, using my Bank of America ( BOA ) debit card at the XXXX XXXX  ATM. Due to the COVID-19 pandemic travel restrictions in place, I could not travel the 20 miles required to reach the nearest Bank of America and XXXX XXXX  was only two miles from my home. At approx. XXXX XXXX, I inserted {$1000.00} cash into the ATM and selected the option to deposit funds into my Checking account. I received a message that stated " TRANSACTION SELECTED CAN NOT BE PROCESSED. TRANSACTION MUST BE AT YOUR INSTITUTION '', however the {$1000.00} funds I had deposited in the ATM were not returned to me once the transaction was declined. I immediately went inside and informed t he XXXX XXXX  Bank Teller and Branch Manager that the ATM did not return the funds. The Branch Manager informed that his location had been experiencing issues with the ATM, but I needed to contact Bank of America to receive the funds because i used a BOA debit card for the transaction. I asked the Branch Manager how Bank of America could be held responsible for issu es with his ATM. I also asked him how did XXXX XXXX  plan to address the excess {$1000.00} that would reflect in their ATM. He told me there was nothing he can do about it and that I needed to contact BOA regarding this problem. After contacting BOA, they initially stated i needed to file a claim with XXXX ( which i did ) but the next day another BOA representative I spoke to informed me that they would resolve the issue directly with XXXX XXXX  and I should have my funds deposited into my Bank of America account the next business day. {$1000.00} was deposited to my Checking Account and the claim was under investigation. 
On XX/XX/2020 I received a message from Bank of America stating they were unable to locate the deposit made at the XXXX ATM, the {$1000.00} t hey placed in my account would be extracted XXXX and that if i wished to investigate further I would need to call Customer Service or send a receipt. UPDATE : my checking account is now at - {$990.00}. 

I also provided a receipt reflecting the declined transaction and Bank of America completely ignored it. 

Please others know that banks will not honor their customers during a time of pandemic
Product: Vehicle loan or lease

Global Lending Services has repeatedly failed to come to terms with my totaled vehicle and reports a remaining balance on the account despite insurance coverage and GAP ( Guaranteed Asset Protection ) insurance. They have not only failed to report accurately, but their record of payments are inadmissible. Global Lending Services has reported the account as a profit charge off and did not provide me with a 1099 Cancellation form as requested.This unfair and bogus treatment not only violates my rights as a consumer, but has harmed my credit report and created life difficulties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through Experian, it shows an account to be closed, that I am not making payments, and that I owe $ 6,000+ on the account. While that was true at one point, for nearly three months now, I have made on time payments, the account is open and in good standing, and I owe {$5000.00}. I provided Experian with the paperwork from the company which reported this, which shows this new information. Experian says they will keep my report the same, even after providing documents proving my new status.
Product: Credit reporting or other personal consumer reports

I sent numerous written correspondence and submitted payments. Discover has violated my right 's under the terms and conditions they granted me at the time of the account opening. The credit reporting agencies violated my right 's as well. According to 15 USC 6505 - 8 Not only was my right to opt out violated, but my right according to 15 USC 6802-5 with respect to obligation with respect to disclosures of personal information was violet also. I sent a letter to which I did not receive any type of response.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I signed my lease and moved into my apartment. 15 years later XX/XX/XXXX, I gave my 30 day notice and informed them that my mother was XXXX and I need to take care of her. XXXX I received notice that I had a balance of {$1800.00} and that they tried reaching out to me. That was the first I heard, I called the collection agency and requested to dispute the matter. I was informed that it was not possible and unless balance was paid in full I would be sent to collection. In the 15 years I lived there rent was paid my place was always clean and never had any issues. I had heard in the past that the same thing had happened to previous tenants when they moved out. I wrote a letter and included all the photos of how I left the property and request if they could do a good will deletion. I am XXXX XXXX XXXX and now I can not rent a place because of this. My daughter suffered a XXXX and everything was placed on the back burner. 

Please help me Thank you
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my XXXX  report and noticed fraudulent accounts on my report
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am a customer of Toyota Financial and currently have a loan opened in XX/XX/XXXX. I work for XXXX XXXX and the company is going under payroll changes to accommodate an integration between the XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, and those current changes are directly affecting my financial situation. 
On XX/XX/XXXX I received a letter from XXXX XXXX advising that due to the transition process, the XX/XX/XXXX paycheck would be affected and not paid to it's employees and the company offered an optional " bridge loan '', which would cover 25 hours of pay and repayment would start on our paycheck for XX/XX/XXXX for every pay cycle in ten installments, which on my case, I am paid on the XXXX and XXXX of each month and those twice a month repayments affected me directly for five months. That impacted my entire household financial responsibilities, including my car payments with Toyota Financial, and I started to accrue high late fees. 
On XXXX XXXX I received a second letter from XXXX informing that due to more changes on their payroll system, I will receive one less paycheck in XX/XX/XXXX, a total of 23 instead of 24 paychecks. 
As of today ( XX/XX/XXXX ), I have accrued {$190.00} in late fees with XXXX XXXX due to the changes on my payroll and current financial situation directly affected by my employment. I am also 3-days behind on my payments since XX/XX/XXXX. 
I contacted Toyota Financial Services on XX/XX/XXXX and requested an payment extension on my loan to help me to catch up with my payments while I am still dealing with my company 's payroll changes and gaps on pay, and spoke with XXXX, who introduced herself as a supervisor. I explained my unique situation and asked if I could get an extension on my loan and she simply told me that extension was not possible due to a past extension. 
I am sending this request to the CFPB to request some assistance on dealing with Toyota Financial Services to ask for a review on my current payment situation and a possible loan extension, since Toyota Financial Services is not reviewing my account and request based on my individual situation. I am including copies of all documentation for review.
Product: Credit card or prepaid card

Hi, On XXXX XX/XX/2020, I deposited XXXX $ On ATM at Bank Of America XXXX XXXX XXXX XXXX XXXX CA XXXX. The atm took my money and sent out a paper that said we are sorry and we cant continue the process also we cant return the money! So, nothing showed in my account and money got disappeared in the machine, now is 4 months and nobody is responsible for the missing cash that I deposit.
Product: Checking or savings account

My name is XXXX XXXX. I am chatting about my negative cash app balance of {$100.00}. I need it to be waived from my cash app account Because my bank reversed the credit they gave me for {$100.00}. My cash app is $ XXXX XX/XX/22 CARD REVERSAL OF CREDIT XXXX {$100.00}
Product: Debt collection

We cancelled our XXXX security services after one year of pre-paid service on XX/XX/XXXX and notified the sales representative. We subsequently deinstalled all XXXX equipment. Shortly thereafter we received notice that we owed over a XXXX dollars for a new contract we never signed. We believe that a contract was fraudulently executed on our behalf to generate commissions and revenue for XXXX and its sales representatives. The sales representative was XXXX XXXX XXXX in XXXX XXXX NV and he has been unresponsive. 

We disputed the charge to our XXXX XXXX card who supported out dispute as we had not been receiving services from XXXX since XX/XX/XXXX. All communication then ceased from XXXX until we received a notice of debt collection in XXXX of XXXX. 

Turning over a dispute to debt collections for services never rendered is deeply troubling and fraudulent on XXXX 's behalf. We suspect that there may be bad actors seeking to protect their commissions and profits, rather than allowing folks to stop using XXXX 's service.
Product: Credit reporting or other personal consumer reports

My information was exposed during the data breach.Equifax has allowed this company to fraudulent put this account on my credit report without during a real investigation. I am a victim of identity theft Account : ONLINE INFORMATION SERVI
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account XXXX : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  - Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$30000.00}, {$11000.00}, {$680.00}, {$13000.00}, {$6200.00}, {$5500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

XXXX. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$680.00} -This is not my account. 

-- XXXX XXXX XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account.
Product: Mortgage

After divorce I had to file bankruptcy. I paid off my debts and came out of the bankruptcy XX/XX/XXXX. My regular payments resumed and I continued to pay without missing a payment. My credit score had increased so I decided to refinance my home. I logged onto the website to get my information regarding the payoff balance etc and Selene said that a bankruptcy was attached to my account that was in effect as of XX/XX/XXXX. I was advised I could make payments but would have to have the lawyer submit proof of bankruptcy discharge. I have sent this by email after multiple escalated calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The times I have called is also substantial. 

I was approved for a refinance loan at almost 50 % of what I pay to my mortgage company and I have been unable to move forward with this because they won ; t take the bankruptcy documentation off of my file. Luckily it does not show on my credit reporting, because I am not in an active bankruptcy. What are my steps I can take to get them to fix this so I can pay my bills? I deserve the opportunity to have a lower mortgage payment so my family can continue to thrive. I have paid of the bankruptcy, repaired my credit and worked hard to do this. 

Every time I call, I advise them I want to speak to a supervisor for an escalated issue. I am asked if this is the mailing address, do I live in the physical house etc. and mail is still being sent to the bankruptcy lawyer, who in return, puts it in an envelope to me and adds a sticky note asking why are they getting my mail, they dont represent me anymore. I have occupied this home in good faith for 13 years as of XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX acknowledged account was opened fraudulently, I disputed this debt collector a year ago and it was removed from my profile only to be traded with false dates. Debt was started XX/XX/2022 supposedly but only added back to my profile once theyd realize I was searching for a car. The debt is closed on my XXXX and XXXX XXXX but open on experian I have not supplied proof under the doctrine of estoppel by silence. Engelhardlt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in therefore exists
Product: Debt collection

On XX/XX/2022, my former apartment complex ( XXXX XXXX XXXX ) placed me in collections stating that I owe them money. They sold the debt to a debt collector ( Ideal Collection ) and placed the negative account on my credit. 

I contacted both XXXX XXXX XXXX and Ideal Collection in XX/XX/2022. The manager at XXXX never responded to my email and Ideal Collection 'verified the debt '', without actually verifying it's accuracy. 

On XX/XX/2022 - I emailed the manager of the apartment complex again, outlining the errors in the final statement receipt that I had, showing that for 13 months, they collected my rent but left out the collection payment of {$75.00} a month for the water bill, every month they failed to document the water bill in their ledger. 

I believe that XXXX XXXX XXXX or the individual responsible for accounting, purposely left out the monthly {$75.00} in an attempt to steal it. In return, they claimed that I owed them the funds, but my rental payments on the ledger shows that they received my entire rent amount of {$2000.00} that included the {$75.00} for water. 

XXXX XXXX XXXX has now sold this debt to a Ideal collection and ILLEGALLY placed the debt on my consumer report, which has caused my credit score to drop significantly.