23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I got behind on my mortgage payments. When I was able to make my payment and add additional monies to the payment, US Bank would accept my payments monthly and would return my check. They stated they needed the amount in arears paid in full, they would not accept as they called, partial payments. My mortgage got farther and farther behind because US Bank would not accept any money from me at all. Who does that? Meanwhile my credit rating has totally been ruined. When I was able to pay the arears amount in full, US Bank gave me the dollar amount I owed. I sent the check only to find out on my next month 's payment that they would not accept it because they said they mis-figured the arears amount and said I owed an additional amount. That totally was and is not my fault. The next issue is I want to sell the house. US Bank gave me an appraisal amount, my realtor gave me an appraisal amount which they are close. Then US Bank sends another appraiser and the appraisal went up {$27000.00}!!! I was advised of this after I put my house on the market. This bank does not and will not work with their mortgage holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, did {$1500.00} on money orders ( XXXX checks ). Made them out to my husband. Same day he tried to cash them but they wouldnt go through. Went back the next day and same problem. We were told wed have to request a refund, so we did. Costing us {$30.00} ( {$15.00} per check ) to refund. Got new checks in the mail, still unable to cash them. Called the number to figure out the status on the check. A stopped payment was issued on the check the day after the date on the new checks. They sent a second round of new ones, we had the same problem. And again with a third round of checks. Its been over XXXX months. Every time we call they say everything is fine on their end but we still are unable to cash the checks. Twice now Ive spoken to a supervisor and was told theyd issue our money into a money transfer and another department is denying it and just wanting to send more checks. We need this money now to pay bills and Western union obviously doesnt want to give us our money
Product: Debt collection

The company reached out to me by mail informing me of a debt I have with them. Ive never done business with this company so Im not aware of what type of debit this is.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated.my federally protected consumer rights to privacy and confidentiality under U.S.C 1681. 

XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Last year, I discovered that a XXXXXXXX XXXX XXXX account had been opened in my name without my knowledge or consent. 
I did not apply for or authorize this account, and I believe this is a case of identity theft. I immediately filed a report with the Federal Trade Commission ( FTC ), documenting the identity theft and providing all necessary details. 
I contacted XXXXXXXX XXXX fraud department to report the unauthorized account and requested an investigation.Despite my detailed report and the FTC filing, XXXX concluded that the case was not identity theft. 
This conclusion is incorrect, as I did not open or authorize this account. 

According to the Fair Credit Reporting Act ( FCRA ), once a creditor receives an Identity Theft Report, they are legally required to remove the fraudulent information from the consumer 's credit report. The FCRA mandates that companies must block the reporting of information resulting from identity theft. 
My FTC Identity Theft Report constitutes a valid Identity Theft Report under the FCRA, and XXXX is legally obligated to remove the unauthorized account from my credit report.
Product: Credit card or prepaid card

I called Capital one credit card for balance transfer and spoke with XXXX he informed me that the promotional offer 0 % balance transfer only can be done at XXXX, so after login to my account and try to submit it I notice the offer is 17.99 % with XXXX fee to transfer my XXXX XXXX XXXX XXXX is only 16.99 % so is very stupid to do so, but the question is it seems capital using this scam for none speaking English people ( minority ) that can not read the disclosure, if you use the internet Capital one can claim i signed and read disclosure and offering XXXX fee I never thought about I am XXXX years old and never seen this before and I know is an offer but intend of capital one to do it on the internet and adding the XXXX ( XXXX ) fee is very ambiguous and offering it only to minorities, i know bank has to make money but no fraudulent why not do it both way internet and phone.I hope this complaint stop capital one and do not rip off people, capital one must understand not many people can read and wright English. thanks
Product: Credit card or prepaid card

I have already sent disputes to the bureaus and to the creditor asking to remove the late payment marks on my report as I was never late paying the account. I never got any response from them. I sent another letter asking them for any documentation that will prove that I was ever late on this account but did not get any response. 

Also, the way they are reporting the account is incorrect. I am seeing repetitive 60-day marks which is incorrect.
Product: Money transfer, virtual currency, or money service

Tried sending money ... .through Remitly ... XXXX Wa ... was told cancelled because I violated terms ... .but wouldnt tell me how?????
Product: Credit reporting, credit repair services, or other personal consumer reports

this is a fruad account i never applied for the card this is a fruad and is on my credit report i would like to have it remove from my credit report asap
Product: Vehicle loan or lease

I made a $ XXXX ( enormous ) overpayment of my car loan ( beginning balance around $ XXXX ) with Bank of America. I never got a statement the following month saying anything was due. Instead, they called to harass me that they were " collecting a debt '' for our missed payment. Clearly the bank failed to apply the large overpayment ( the monthly payment is closer to {$600.00} ), did not reduce the balance appropriately, failed to send a statement if indeed a monthly payment was due despite the large overpayment, and then had the audacity to call to " collect a debt ''.
Product: Credit card

I signed up for the XXXX card offered by Barclay due to its SCRA benefits for XXXX service members and its great incentives offered to Military members. It guaranteed $ 0 yearly fees and 0 % interest for the entirety of my XXXX military service contract. At no time in my original communications through the SCRA division of Barclay Bank, did they state that the $ 0/0 % interest would not apply for XXXX members but for members who joined after they had an already established account with Barclay Bank. In addition, it did not state that it had the right to change the terms of its contracts at any time. This was a very deceitful offer and it now feels like a " BAIT AND SWITCH '' scam and I 'm sure to many XXXX Military members who have this card as well. No warning of the disestablishment of the SCRA benefits for XXXX members was in the process of being implemented was ever given to myself via email, letter, or message in my account prior to it just being all of a sudden taken away. The company has maintained that it will allow me to retain my 0 % interest but the yearly fees of {$990.00} plus {$290.00} for each additional card will be implemented is unsatisfactory to me. At a minimum, current card holders under the original terms should be grandfathered but any new members should be fully aware that the yearly fees apply. This whole process has left a very sour taste in my mouth as I have reached out and left a message to their customer service number ( XXXX ) with no reply within 48 hours as it states. In addition, I have left a message through my credit card account with no response as well. I finally today was able to contact an Executive Specialist, with the Office of the President at Barclay Cards USA and she clearly stated that it was their right to change the terms of their contracts to align with business practices ( other credit card companies ) around them with no warning to the card members. She also stated that at this time, they are not offering any other services to satisfy the card member or to help to maintain the business of the card member. She stated that before my one year mark with the company that they " Should '' be reviewing accounts to see if any of their current offers apply and if not then at the year mark the yearly fees would be charged to my account. I asked if I could be switched to either their Black Card or Titanium card, due to their yearly fees not being near as much as the Gold Card and I do n't feel like I should wait till XXXX to see if I qualify for offers at that time. This is unsatisfactory and I felt was completely communicated wrong from the very beginning. In addition, I feel that I should be grandfathered in with my original terms or allowed to switch to another one of their cards immediately and not have to wait for my account to be reviewed one month prior to my year mark with this company. I began this process wanting to stay with Barclay services but after my conversation with the Executive Specialist, I am now leaning towards terminating any further business with Barclay Bank and refraining from any future business through them as well.
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

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 XXXXXXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and many unknown accounts popped up with my name and social listed. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts has been trying to continue to open more accounts and inquiries were not made by me. Please take these fraudulent items off my report. 

XXXX  XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$710.00} XXXX  XXXX {$960.00} XXXX XXXX XXXX XXXXXXXXXXXXXXXXX {$960.00} XXXX XXXX XXXX XXXX XXXX {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been trying to be patient with the bureaus but they have yet to get these derogatory marks and other information taken off my report! I am spending money writing these letters and taking the time out of my day to make sure each bureau gets these letters! I need Transunion to open up an investigation as soon as possible! I sent them a complaint recently and they have yet to respond. The attached letter is the latest letter sent and I expect a response to the matter instead of a mute response. I ready to settle the problem so we can move forward.
Product: Mortgage

I fell behind in my FHA mortgage due to unemployment and could not afford to make payments since XXXX XXXX. My servicer, M & T Bank, refused to accept partial/late payments so the missed payments continued to accrue. 
On XXXX XXXX, XXXX they sent me a letter saying I qualified for their special unemployment forbearance program. The requirements were as followed : - Sign the agreement - Pay {$25.00} due XXXX/XXXX/XXXX -Pay the total arrears, {$11000.00} to bring my account current on XXXX/XXXX/XXXX I signed the agreement and paid the {$25.00} forbearance payment in late XXXX XXXX, well before the XX/XX/XXXX deadline. 
I sent a certified check with a tracking number on XXXX/XXXX/XXXX for the rest of the money, {$11000.00}. My tracking number reports they received the check on XXXX/XXXX/XXXX. I called the bank on XX/XX/XXXX to let them know that the check was coming. At this time they told me that my home was already sent back to the foreclosure attorneys, it has a sale date of XXXX XXXX, XXXX and I would owe a new amount of {$11000.00} due by XXXX/XXXX/XXXX. 

I complained that my home should not have been sent to foreclosure before the XX/XX/XXXX date because I was still doing the forbearance plan and I followed through on the agreement to pay the {$11000.00} on time. They said they had the right to send my house back to foreclosure because I was late on my mortgage payments since I first fell behind in XXXX XXXX. I called them back today to inquire again and they said they rejected my check and sent it back to me on XXXX XXXX, XXXX. I am still waiting for the check in the mail, but I wanted to be caught up because I could resume monthly payments in XXXX XXXX if only they 'd honored their word and accepted the {$11000.00}. 
What is the point of any program if they can change the amount I owe right before it 's due and put my house into foreclosure even while I 'm participating in the program? This feels so unfair because I did what I agreed to do and worked very hard to catch up. It feels like they want to force me to lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with Faye servicing that was paid in full in XXXX. I went into preforclosure before but i sold the property and they reported to credit bureaus as forclosed. I fought that online. They then continued to report zero payments made as of XXXX. I called faye servicing and they can not find my account because it was paid in full and closed in XXXX. When faye servicing reported zero payments being made as of XXXX it dropped my credit score 61 points. I immediately contacted both faye and the credit bureaus. To this day i have not recieved the 61 points back and it has not been corrected. I want faye servicing to remove any negative remarks and late payments since the late payments were not really late. My check was sitting on one of there workers desk under paperwork and no one was aware. They are a horrible company and should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a notarized dispute letter to Equifax by certified mail. The dispute was stamped received XX/XX/XXXX. I received the dispute results XX/XX/XXXX. The envelope from Equifax states that they mailed the results on XX/XX/XXXX. 

I disputed 21 accounts. Upon receiving my results, I noted that within the 30 day time frame, there was an account named XXXX XXXX XXXX ( Account number # XXXX ) that information was not reported back to Equifax resulting in a deletion. I have contacted Equifax several times on XX/XX/XXXX and XX/XX/XXXX about the deletion, however they would not delete. The rules states that within 30 days I should be notified of results and if not so, then they must delete. 

Included in this complaint are the tracking information, receipt where I had the letter notarized, a copy of the letter, and the results from Equifax. 

Thank you so kindly for assisting me in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I recently discovered that Select Portfolio Servicing failed to pay my homeowner 's insurance premium for my property, as outlined in my mortgage agreement, has not been paid despite the funds being available in my escrow account. This lapse in payment caused XXXX XXXX ( homeowner 's insurance company ) to cancel my coverage, and I am negatively impacted by this situation. 

I took the following steps to address this matter : *I checked my mortgage agreement thoroughly to ensure I am meeting all my obligations related to homeowner 's insurance payments. 
*I contacted your customer service department on XX/XX/XXXX and XX/XX/XXXX, to inquire about the non-payment. On XX/XX/XXXX, I spoke with XXXX from SPS who agreed to submit an overnight payment of {$650.00} to XXXX XXXX ( homeowner 's insurance company ). This situation is unacceptable and I have not received a satisfactory explanation or reassurance this will not happen in the future. 
*I attached copies of all relevant documentation, including 1 ) my mortgage agreement with proof of available funds in my escrow account, 2 ) homeowner 's insurance lapse notice, and 3 ) homeowner 's insurance cancellation notice. 

I understand that oversights can occur, but the failure to pay my homeowner 's insurance is a serious matter that requires immediate attention and resolution. I kindly request that SPS promptly address this issue, ensure the immediate payment of the outstanding premium, and provides a thorough explanation for this oversight. 

I requested a written response within 15 business days from the date ( XX/XX/XXXX ) of this email by XX/XX/XXXX, or sooner. If I do not receive a satisfactory resolution within this timeframe, I will have no choice but to escalate this matter by filing a complaint with the appropriate regulatory agencies. 

I trust that SPS will take swift action to rectify this situation and prevent any further disruption to my homeowner 's insurance coverage. Your cooperation and prompt attention to this matter are greatly appreciated. 

Thank you for your immediate attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$5500.00}
Product: Credit reporting

I 've been challenging the incorrect and incomplete items on my credit report withExperian for quite some time with minimum success. I 've sent out countless letters to them certified return receipt to only get responses like " New Information Below '' or " Suspicious Activity ''. As per section 609 ( c ) ( 2 ) ( E ) and 611 ( a ) ( 1 ) ( A ) all data furnishers are required to produce the original signed documentation when challenged to solidify the accuracy and completeness of the alleged debt. Experian has failed to do so on many occasions.
Product: Debt collection

This activity is still controlled by XXXX XXXX XXXX that made the illegal usury unlicensed high interest rate to me, I have paid them {$2700.00} on a one year account of {$2500.00} of 1000 %, XXXX XXXX gave this account to their affiliate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Who in return gave the illegal activity to another affiliate XXXX XXXX XXXX # XXXX these companies do not have the legal right to collect usury interest rate accounts and these companies do not have a license to collect XXXX interest rates that are designed to prey and take advantage of old people, they are not licensed by the Ca .Department of Business Oversight or the CFPBThanksC/C XXXX XXXX attorney general state of Ca. 








C/C XXXX XXXX -Attorney General State Of CA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been more than 60 days since I sent a letter outlining inaccuracies and unknown entries on my credit report, but I have yet to receive a response. This lack of action and communication is unacceptable, as it feels like I am being taken advantage of and ignored. According to Section 611 ( a ), a failure to investigate such items within 30 days warrants immediate removal from my credit report. As it has now been well beyond that timeframe, these accounts must be deleted without delay. Failure to comply will result in legal action due to the undue stress caused by this situation. Moreover, my personal information was compromised in the Equifax data breach, which makes it all the more imperative that this situation is resolved quickly and effectively.
Product: Payday loan, title loan, or personal loan

I acquired a solar photovoltaic loan from Tesla Finance. I paid off loan by wire transfer. It took months for them to credit my account and stated that they could not find the transferred funds. After over 30 calls and 10 emails they finally found the funds. During this time they were still trying to receive monthly payments from me. I cancelled monthly payments which probably negatively effected my credit score. When I paid off my loan I overpaid because I could not get in contact with anyone from the company to determine the correct payoff amount. They owe me an overpayment of {$2400.00} which I have not received. Tesla put a lien on my residence in exchange for the loan. I requested numerous times for lien release documentation and still have not received it. This company does not answer calls. If by chance I am able to talk to someone they are no help. I have tried resolving these issues by email and no action has been taken to reconcile my situation. My Tesla account even shows I have monthly payments due even though I paid Them {$45000.00}.
Product: Money transfer, virtual currency, or money service

Tried purchasing tickets in XXXX. I transferred money to two different people ($XXXX to one, $XXXX  to another) using XXXX. Once money was sent, they never transferred tickets over via XXXX. I used XXXX  due to them partnering directly with my bank and being recommended on my mobile bank app.
Product: Debt collection

A collection agency contacted me regarding a XXXX credit card account. I agreed to pay a less amount to settle the debt. But the original creditors collection agency are still charging me but for a smaller amount. The debt was not settled or delete it