23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have on several occasions sent TD Bank my new contact info. They have repeatedly told me that I have to contact another number by phone to do that. I have told them that I will not do that, as they should have the ability to make the changes. There is a section on their website that allows me to make those changes, but I have noticed on at least one occurrence that it was changed back to my original contact information. My last contact with them, I threatened to file claims with the FTC, the XXXX, and my state 's Attorney General 's office.
Product: Credit reporting

I found an unauthorized credit card account, opened XXXX XXXX, on my credit report. It was opened in a town, over a XXXX miles away, that I lived in over five years ago. There were no charges on the account. 

I reported it to Equifax , on XXXX XXXX. Just yesterday, XXXX XXXX, I received their confirmation of dispute completion ; and they claim that they have have verified that it is indeed my account. Now, there are {$240.00} of charges on that card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

These accounts are reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Student loan

My student loan transferred from Great Lakes to Nelnet, and the repayment plan did not transfer over correctly, so my minimum monthly payment is now much higher than it should be. I requested a change on XX/XX/XXXX  and was told it would take 7-10 days to process. It is now 17 business days later, and I have not received any communication regarding this change.
Product: Student loan

On XX/XX/year>, I was informed by XXXX and Mohela regarding a data breach that compromised my personal information. This breach exposed sensitive data, including my name, Social Security number, loan information, etc. As a result of this breach, my information may have been accessed or used by unauthorized parties, potentially impacting my financial security and credit standing. 

I was notified by e-mail on XX/XX/year> that my data had been compromised in the breach. Since the breach, I have been concerned about the accuracy and integrity of the loan account ( XXXX ) associated with my name, and as a result, I believe that these accounts no longer reflect accurate and secure data. 

Due to the data breach, I am requesting that my student loan account be removed from my credit report until such time that it can be verified as accurate and secure. The compromised data can not be trusted as valid, and its presence on my credit report is causing significant harm to my credit score and financial standing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

This would be " Part II '' of my complaint. I have submitted XXXX regarding my prior mortgage company XXXX XXXX. 
My mortgage company, XXXX XXXX XXXX, sold my loan to Roundpoint Mortgage. Since Roundpoint has had my loan, they have insisted that I am in arrears due to money owed with XXXX XXXX. I was caught up with my payments with LenderLive ( although apparently they beg to differ ) but can not get them to communicate with me or Roundpoint and this should certainly been done by now. 
My biggest problem with Roundpoint is that they are trying to charge me late fees for this Lenderlive problem. I have since paid the XXXX while I am trying to straighten them out the problem but it is not my debt or error. I paid all of my mortgage payments!! 
The other problem is Roundpoints awesomely BAD customer service. I have called several times and each person I speak has been very nice but has NO idea of my true loan history is with them. 
1 ) Their bookkeeping is very confusing. I call them to discuss this past due amount that is hanging out and they tell me something different every time. First that I NEVER paid XXXX in XXXX ( but I did ) ; once they told me I never made an XXXX pmt to Roundpoint ( but I did ) ; they told me that I have only made 2 payments ( when I have made 4 ). When the last lady I spoke to said that, I asked to speak to her supervisor who kind of straightened things out - she said I had a nonsuffient funds on XXXX I tried to pay. I said I had plenty of money in the bank then. I asked her which of my accounts they submitted it to and she said my XXXX XXXX XXXX ACCOUNT a bank account which I have NEVER had ( yet I did receive an email confirming my transaction was for the correct account and correct bank so why did they submit it to the wrong account????? ). She took off the late charge with the agreement that I would pay the XXXX with another account. Which was " nice ''. 
Upon hearing this, I made another payment for the XXXX NOT because I owe it but because I do not want to have to contest late payments in addition to everything else and I do not want to ruin my credit. I do try to look up my Roundpoint account online to check my payments but the only thing they have posted ( as of today ) is attached ( for XXXX/XXXX/16 for XXXX - the nsf XXXX that does not even show up ) ; payment for XXXX for XXXX and payment for XXXX for XXXX. I CAN NOT SEE ANY OTHERS OF MY PAST PAYMENTS. 

At least they do answer their phones but 99 % of the time they have the wrong information. 
I am attaching a copy of my LAST XXXX XXXX mortgage statement and a copy of the FIRST Roundpoint mortgage statement I have. Maybe you can see what happened during this transition to make me incur this XXXX debt when it was transferred. Can you help me please? 
Thank you! 
XXXX XXXX
Product: Bank account or service

Chase sent me an offer for 15-month 0 % balance transfer around XXXX or XXXX XXXX. After some considerations, I took up the offer and made a balance transfer near the end of XXXX XXXX, and paid transfer fee. I set up online automatic payments. Strangely Chase stopped to send any monthly statements after that but later notified me to switch to online billing, while no e-mail monthly statements were received. Checked e-mails including spam files never yielded any e-mail. Started XXXX XXXX, merely 13 months into the offer, Chase started to charge interest. I called, one customer service rep and his supervisor both stressed that the offered 15-month period starting at the time the offer was issued, not the time of transfer. I never heard such offer and such term. I asked the bank to provide me with original records but Chase has n't provided. 
To me, it is typical " bait and switch '' tactic.
Product: Debt collection

This company is not licensed to collect debt in New York State. I will include proof and I would like this deleted off of my report and the debt thrown out. It is an illegal business practice to try to collect debt in New York without license to do so. Thank you.
Product: Mortgage

On XX/XX/XXXX We were conditionally approved for a mortgage with Lennar Mortgage for a home in XXXX XXXX. we were scheduled to close in XX/XX/XXXX me and my wife and our XXXX XXXX XXXX son moved in with our Daughter and Family temporally from XXXX XXXX until the home was done. so my wife had to switch jobs to XXXX  the mortgage company said that we needed more pay stubs from her new job so Lennar told us that they couldn't wait for us to close so they sold the house to someone else and they had our {$11000.00} dollars deposit and we had 1 year to use it so we picked another home in XXXX XXXX  so we had to stay with our Daughter and family until XXXX which was very stressful on us and our daughter and her family when we finally came to a closing date the mortgage company told us that we had to come up with {$13000.00} more for Points And our Rate because of not being locked in was higher and Lennar had our deposit already and we had another {$13000.00} in the bank for closing there was no way that we could come up with the other Closing cash so we had to cancel our loan and Lennar kept our Deposit of {$11000.00} and we couldn't get our loan they should return our deposit in full and we contacted Lennar several times and spoke to several people at Lennar in various locations and gave them our new address because of having to rent a Home for us and having a argument with our son in law we had to get the first place we could find in XXXX a person at Lennar said that she would send the office our new address and that they should be refunding our money soon its been since XXXX XXXX XXXX since our canceled contract and still did not receive our money or any correspondence from Lennar also we contacted FHA and was told that they had no Knowledge of us ever having a contract with them and they told us because Lennar did our Mortgage they do this all of the time and we should contact you for further Help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a resident at XXXX XXXX from XXXX and had made numerous complaints and requests concerning a neighbors barking dog at all hours of the day and night. Per their policies, tenants are responsible for their pets causing unnecessary noise and large dogs are forbidden on complex grounds. This was a very large aggressive XXXX that barked and howled repeatedly. I made numerous complaints to the management and even attempted to contact the owner of the dog. The management instructed me to write a letter stating the nature of the complaint in order for to take legal action against the owner of the dog. I even contacted the local Animal Control ; their contracted security personnel and repeatedly visited the office concerning this issue. After my letter was written, the management took no action against the owner of the dog. I am a XXXX veteran with XXXX and my VA appointed XXXX wrote 2 letter for me to get an emotional support animal due to the stress of this dog causing me lack of sleep and a poor quality of life. My lease came due and I initially refused to renew my lease and then the management stated they would move the owner and dog across the complex which they did not follow through. With my doctors letter and for my sanity, I moved out of the complex. This was discussed several times after my move with the owners of the apartment complex, which resulted in nothing being done.
Product: Credit card

On Saturday XX/XX/year> I purchased a flight from XXXX XXXX, XXXX ( XXXX ) to XXXX, XXXX XXXX ( XXXX ) on the XXXX XXXX website ( XXXX ) using my Chase Sapphire Reserve card. 

On this website, I selected the dates, seats and added additional refund protection for the trip. The final stated price for the roundtrip flight was XXXX ( XXXX XXXX ). I completed the purchase and upon checking my credit card statement, I saw XXXX separate charges totalling {$190000.00} ( United States Dollars ), which is a dramatically higher cost that I did not approve of. 

I immediately tried to contact the airline XXXX XXXX and was informed to contact XXXX instead, a travel agency they partner on their website to sell international flights. I tried to contact XXXX via XXXX XXXX, XXXX, and Phone without any success. I finally got in touch with them through email, and despite me sharing screenshots and videos showing the prices in XXXX pesos, they refused to acknowledge this error in their website and cancel the purchase. 

XXXX mentioned theyre an agency and the 3 charges correspond to two flights and their fee. They advised me to call the two airlines directly, which I did, and was able to get one of the flights canceled and refunded thanks to a grace period of 2 hours that the XXXX airline offers ( this is a different airline than XXXX XXXX ). 

The other airline, XXXX, mentioned I should direct my complaints at XXXX because this flight was purchased through XXXX and XXXX XXXX and the website problem happened on their end. I contacted XXXX again and they say they will not refund the purchase and advised to contact XXXX ( the additional protection I paid for ), to ask for a refund. 
While this isnt what I want since Im asking for the whole purchase to be canceled due to the discrepancy in price, I still filed a refund request with XXXX. 

Without reviewing my complaint, they automatically declined the refund and closed the case, disabling my reservation number and preventing me from creating a new refund request. I tried contacting XXXX via phone, chat, and email without success. 

I ultimately reached to Chase Bank to use purchase protection as advertised in the card I pay {$550.00} a year for, sharing an array of screenshots, email threads and videos showing the prices that were shown to me before I paid. They decided that my proof is not valid because the receipt says a different amount, but the receipt was only shared with me after I paid ( see attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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

I have had a lot of transactions with XXXX over the years but lately, for no reason, it takes a tremendous amount of time to transfer money to an account that has been used many times before with an acceptable transfer time of 2 - 3 days but out of nowhere, it takes forever. 
Just finished talking to a customer representative and their partner claims to do maintenance on their system- for 4 days- is that believable?
Product: Vehicle loan or lease

I took delivery of a new car on XX/XX/XXXX. I am out of state, so the dealer was supposed to register the car for me. I provided them all the paperwork in a timely fashion, and they have still failed to get the car registered as of XX/XX/XXXX. My temporary NJ registration that was given to me at delivery expired on XX/XX/XXXX. I have explained to the dealership that I can not drive my car ( and have not been able to for 23 days ) because they have delayed this process. They blame it on the registry, their third party company who does it for them, but take no accountability. They told me the registry in my state has it marked as urgent and is working in it. I called the registry in my state- they said they do not mark things as urgent, that is not their protocol, and that " something is fishy. '' They told me they have no record of my vehicles ' VIN number in the system and their is no title pending. They told me that if they had the paperwork from the dealer or the third party company that those two items would show in their system. When confronted about this, the dealer told me " the registry is just lying to you. '' I have no idea why the registry would be lying. I have asked MB of XXXX to help mitigate the considerable damages that are being done by forcing my family to not have a car : I have asked them for an additional temp plate. They said they can't do that. I said I understood and asked for a dealer plate. They also said they can't do that. I understood. I asked if they could give me a loaner. They refused. I asked if they could call a Mercedes dealer in my state and ask them, as a courtesy from one dealer to another, to provide me a loaner -- they refused. I asked them to rent me a car -- they refused. I asked them to make my first payment or two on the lease -- a common practice that Mercedes dealers sometimes run as sales promotions -- since I can not drive my car. They refused. They finally told me that they were going to send me a letter ( last night- XX/XX/XXXX ) that says I can drive the car right now. I asked them on whose authority the letter was coming- they said the dealership. I explained that a letter from the dealer does not make driving an unregistered vehicle legal. They said, " Nobody is going to pull you over for having an expired temp plate. Just don't do anything to get pulled over and you will be fine. '' So, they are refusing to mitigate the problem that they ( and/or their third party vendor ) have created and they are encouraging me to engage in illegal activity as their only solution. I believe their has to be some sort of implied obligation on their part, when they sell me a vehicle that they tell me I can not register myself, that they will register the vehicle in a reasonable amount of time so as not to put me in a position of hardship because I ca n't drive my vehicle. My wife and I are juggling one car, we work about an hour and a half apart and we have XXXX small children who attend school half hour apart from each other because XXXXXXXX XXXX XXXXXXXX. This has created significant damages.
Product: Mortgage

Dovenmuehle 's property tax payments do not make sense. 

According to XXXX County the property taxes are as follows XXXX {$1100.00} two installments of {$550.00} each XXXX {$1300.00} two installments of {$670.00} each According to Dovenmuehle, property tax payments were as follows XXXX - {$1000.00} XXXX - {$1900.00} How can I pay more property taxes in XXXX than I owe? 
Where did this money go?
Product: Mortgage

The complaint is against the lender, Loan Depot and XXXX XXXX, a HUD XXXX consultant. My husband and I initiated an FHA XXXX rehab loan with Loan Depot on XX/XX/XXXX. Loan Depot has their own " contractor and HUD consultant '' click. In other words, XXXX XXXX did not send a list of consultants from which we can choose, just offers one person, XXXX XXXX. 
First, Loan Depot would not accept some of my business income from XXXX because it is tax-free grants due to COVID-19. The loan officer, XXXX XXXX asked if my business would generate income in XXXX. I told him that I am not reporting non-taxable grants on a Schedule C just to get a loan. That is accounting XXXX XXXXXXXX. The complaint with Loan Depot is that their underwriter will not factor non taxable grants as business income. 
Second Complaint. 
I paid the consultant, XXXX XXXX, the {$1200.00} fee upfront on XX/XX/XXXX. I sent a text message on XX/XX/XXXX asking for a refund. XXXX did not reply to the text. I called him and said the underwriter did not factor in my non-taxable income from COVID business grants. XXXX said, " I can help you find a lender. '' I said, " I don't need you to find me a lender. 
I sent XXXX an email on XX/XX/XXXX titled, Demand to Return the {$1200.00}. XXXX Consultant fee. He replied he was on vacation until after the XXXX XXXX and he did not have his records with him. I replied and sent a copy of the check paid. I sent a letter by certified mail XX/XX/XXXX with the same demand to refund the fee of {$1200.00}. He responded on XX/XX/XXXX by email saying he rejects the refund. 
On XX/XX/XXXX, XXXX emailed a report, Specification of Repairs dated XX/XX/XXXX after his services were terminated. I replied, By the way, you sent the specification of repairs after I canceled your services and requested a refund. That is very unethical. I am filing a complaint with HUD. He replies, I accepted the document. Note, I did not accept-sign any such document. The information on the Statement of Repairs is not the information on Repair estimate # 3 drafted and sent by the Contractor, XXXX, XXXX. 
Also, I pulled my receipt for the {$1200.00} fee. One column says {$1200.00} paid, XXXX balance and in the middle the of document he hand-wrote, {$1000.00} paid XX/XX/XXXX, XXXX. XXXX emailed another invoice receipt dated XX/XX/XXXX with {$1200.00} hand-written in the middle of the page with my signature. I am concerned XXXX is able create my signature using his computer. 
Second, he created a document, Specification of Repairs with information that is not on the Contractors Estimate # 3 for which I accepted. For example, he listed basement, {$10000.00}. We do not have a basement. He listed Electrical {$10000.00} and the contractors estimate to upgrade the existing electrical panel to 200 amp and upgrade the existing heating and AC to 5 ton is {$13000.00}. XXXX. 

My husband is an XXXXyear-old military veteran and I am a senior. Loan Deport is taking advantage and also the consultant. I want XXXX XXXX to understand his services are terminated not because we wont accept a loan from Loan Depot, but he is deceptive and not credible.
Product: Debt collection

In a previous complaint submitted on XX/XX/2024, CFPB # XXXX I addressed and mentioned along with other items that there are two names listed on the statement of the alleged debt that they sent to me. The names of XXXXXXXX XXXX XXXX XXXX. To be more specific, we are divorced and according to the original contract agreement for the alleged debt which I requested a signed copy and did not receive from Pressler, that if it is a joint account, both parties are responsible. Pressler is only sending to my attention correspondence and legal documentation. I am specifically requesting that per the original contract agreement, that XXXX XXXX XXXX with this collection process. 

The original contract states the Right to Arbitration and I am also requesting that be enforced. 

Both of these items were listed in the original complaint and were not responded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens One auto Finance reporting a 30 day late payment on XX/XX/2013. I called Citizens One Auto finance and spoke with someone in their credit department. I was told that the account in question was too old and has been closed. I was wanting details on this late payment they are reporting. I was told that they would be contacting me and refuse to give me any information.
Product: Credit reporting or other personal consumer reports

i requested information in good faith. I feel this is unfair and illeagal and fradulant and not equitable. I disputed this inacurate information numerous times before contacting CFPB. Pls remove XXXX XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report, I attempted to dispute two incorrect addresses online. I could not dispute online due to my XXXX XXXX XXXX XXXX reporting these addresses. Once I was aware of an error, I spoke to a XXXX XXXX representative over the phone to resolve and/or correct any errors. 

Then I called Experian on XX/XX/2022 to dispute the inaccurate address and was told it would be updated almost immediately. However, these addresses are still reported in my report.