23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Last summer I took advantage of an offer from the Bank of Hope to suspend payments for 3 months due to challenges related to COVID. Per the signed agreement with Bank of Hope I did not pay for XXXX, XXXX and XXXX of XXXX. In XXXX, I began to pay double payments. I paid double payments for XXXX, XXXX and XXXX per my agreement with XXXX XXXX to ensure that by the time the XXXX payment was made, the account was current. 

In late XX/XX/XXXX I realised that Bank of Hope thought that I had missed a monthly payment. I began to interact with XXXX XXXX and XXXX XXXX in their loan servicing department. XXXX XXXX commented on the phone that because of the COVID repayments he thought one of my double payments had been misallocated. I have an e-mail from XXXX dated XX/XX/XXXX where she says she opened up a ticket with the research department to have this sorted out. On the phone several times she said that the reversals of my late charges would be made and that the account would be brought up to current. I asked for a print out of how all of my charges to date had been applied to the account which she never sent. 

The next payment coupon and the next after that continued to show that I was a month late on payments. XXXX XXXX also opened up a ticket and I again asked for a print out of how all of my charges to date had been applied and sent e-mails detailing the records of my payments which I made via the Bank of Hope 's online system asking for them to point out where I had missed the payment. I never got a final response from XXXX. 

After several calls and e-mails through XXXX and early XXXX, I connected with XXXX XXXX who was able to show me a spreadsheet of exactly how my payments had been allocated and that he agreed with me that my account was actually current. He said he was in the process of creating the reversals. Unfortunately, Bank of Hope transferred servicing of my loan to XXXX before those reversals could be made and XXXX are now showing that I am one month late on my mortgage payments. I have made repeated calls to XXXX but I am not able to connect them with XXXX XXXX and in spite of promises to " raise a research ticket '' it's been 2 weeks and nothing has happened. 

I spoke today with the XXXX mortgage service team who acknowledged that no ticket has been opened up in spite of my repeated requests to have someone on the XXXX side engage directly with Bank of Hope. The supervisor I spoke with said that their process did not allow for that to happen and that she would raise a ticket with research. I asked why that hadn't happened already and got no definitive response, only apologies.
Product: Mortgage

NAVY FEDERAL CREDIT UNION ( NFCU ) FAILED : to provide timely lending as they promised & accepted payment for. Their breach in timely service caused the delay in closing of my home purchase, which resulted in my emergency expenses, time demands for coordination, risk of loss of transaction, & risk of loss of earnest money payment. 

NFCU CLAIM : NFCUs untimely realization of the correct address of the property purportedly contributed to their late ordering of the appraisal. Further, the untimely departure of the NFCU employee handling my account may have been a contributing factor in their purported late recognition of the property address. 

NFCU CLAIMED SOURCE OF CONFUSION : NFCU received one courtesy copy of a document detailing my offer to purchase a house, however I did not win the bid to purchase that property. On a future date, I contracted to purchase a house & provided the sales CONTRACT signed by myself & the selling owner of the property. Numerous subsequent documents & emails with the ONLY house I ever contracted to purchase were provided to NFCU. Then I paid NFCU for the appraisal of the house.

COMMUNICATIONS : multiple verifiable emails, receipted document uploads, legally recorded conversations & phone calls completely prove complete notification of the property address.

LOSSES & GRIEVANCES : my losses are more extensive than this form allows for me to elaborate, but briefly, I incurred excess expense due to NFCUs delay : hotels, eating at restaurants, loss of other appliance transactions, loss non-work holiday days to accomplish moving tasks, the closing transaction, & house repairs, unutilized activated utilities, & more.

Multiple written requests for due relief have gone unanswered. Some acknowledged requests have been reported back to me incorrectly on subsequent conversations. I believe I have fully exhausted all direct means of coordinating an offset for their negligence.
Product: Money transfer, virtual currency, or money service

Cash App is engaging in deceptive business practices and fraudulently misrepresented the truth in their response to your agency. On XX/XX/XXXX, a manager from Cash App named XXXX reached out to me via email introducing herself as a manager at Cash App Support. She reached out to me regarding my initial complaint to Cash App to resolve this issue and update my Cash App Records. In this email from XXXX dated, XX/XX/XXXX, she assured me that all information had been reviewed by Cash App and that on XX/XX/XXXX at XXXX XXXX  ( EST ), my account was upgraded to a Business Account. I immediately responded to XXXX, asking if my account was just upgraded in XX/XX/XXXX, how/why would I be receiving 1099 K 's for years XXXX - XXXX, as per IRS 1099 K 's are only created and distributed under very specific reasons such as ( 1 ) business operation, ( 2 ) total # of transactions over 200 and ( 3 ) overall annual limit of {$20000.00}, neither of which was the case for either of my 1099 K 's. During this email response to XXXX I asked how this was possible and she responded stating that she " can confirm that we have thoroughly investigated your concerns and provided an outcome to the issues you raised '' and she closed my case. I reopened another case with Cash App re-asking how this could be possible based on the standards set forth by the IRS and received a response from another Cash App manager XXXX on XX/XX/XXXX, stating " in reviewing your previous correspondence, I confirm that you were inaccurately informed that your account was changed to a business on XX/XX/XXXX ''. Further stating that my account was changed in XX/XX/XXXX. I asked XXXX for very specific responses, such as ( 1 ) what was the name of the business entity in XX/XX/XXXX, ( 2 ) what was the date and time that this change was made ( 3 ) what phone number was associated with my Cash App during the time the change was made ( 4 ) what address were the 1099-K 's mailed ( 5 ) all statements associated with my Cash App Account for XXXX - XXXX. I requested said information to help determine how such an inaccuracy could occur within my Cash App account. Prior to XX/XX/XXXX, I have not operated any business on Cash App. In XX/XX/XXXX I changed my Cash App from personal to a business account with Cash App as stated by Cash App Manager XXXX in the initial response from Cash App on XX/XX/XXXX. To date, manager XXXX has not been able to provide a response for my very specific questions. This error made on Cash Apps behalf is now impacting me financially and requiring me to re-pay over {$18000.00} to the State of Maryland for unreported income. Cash App can correct this error by amending the 1099 K 's created to accurately reflect the truth on the account as stated.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX. XXXX, I sent {$1500.00} to an individual in exchange for a XXXX  card. We had a lengthy text exchange intended to confirm the transfer of funds as well as the shipment of the card. Contrary to my requests, the individual did not send tracking information for the card and I have not received the merchandise to date. Furthermore, the individual has stopped responding to my inquiries. I opened a claim with my bank ( XXXX XXXX ) with claim ID XXXX. Upon reviewing this, XXXX was unable to reverse the transaction. The transaction was performed through Zelle.
Product: Mortgage

XX/XX/2020 : Received " Notice of Cancellation '' from XXXX XXXX because {$820.00} insurance premium has NOT been received from Loan Depot. Notified Loan Depot about the " Notice of Cancellation '' via customer portal messaging and attached the scanned copy of the Notice. Loan Depot previously deducted {$820.00} from my Escrow on XX/XX/2020. Asked Loan Depot : " Why the insurance premium is still not paid? '' Only response was " pending review. '' XX/XX/2020 : Followed up on the same Insurance issue via live chat. I stated that XXXX XXXX will cancel the policy if no payment is received by XX/XX/2020. Loan Depot did not provide any immediate resolution. Only stating that I will receive a reply on XX/XX/2020. 

XX/XX/2020 : Still no reply or resolution from Loan Depot. Followed up on the same Insurance issue via live chat. I requested " immediate assistance today to resolve the XXXX XXXX Notice of Cancellation issue. '' Loan Depot 's response was " I am unable to do so, the insurance department will need to resolve and review the issue. You have the option to make a payment if you wish. '' XX/XX/2020 : Used my own credit card to pay the {$820.00} insurance premium on XXXX XXXX 's website. Sent a copy of payment receipt to Loan Depot via customer portal messaging. I also requested a refund for the {$820.00} that Loan Depot deducted from my Escrow account on XX/XX/2020 that XXXX XXXX has never received. 

XX/XX/2020 : Instead of providing any refund. Loan Depot deducted another {$820.00} from my Escrow for insurance payment. My Escrow account now shows {$820.00} insurance deduction on XX/XX/2020 and {$820.00} insurance deduction on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX did not conduct a proper investigation and wont tell me what source they got their information. The XXXX XXXX XXXX account ending in XXXX is attachment account. The mailed me a letter stating they will not reinvestigate. Conducting an E-Oscar investigation is not a proper investigation. I will attach the police report and the EQUIFAX letter they mailed me. In accordance with the Fair Credit Reporting act, EQUIFAX has violated my rights.
Product: Credit card or prepaid card

I called twice and requested that my banking information be removed as a payment method stored on my account. I was transferred multiple times and then told to send an email. I received a response, and was told to send another email. I am getting the run around. I want them to remove my bank account information from their payment system. I do not authorize it to be used as a payment method and I do not authorize them to maintain or store the information in their system. I have right to privacy, and they do not have a right to my bank account information.
Product: Credit card or prepaid card

I never had a account with " Midland Finding. '' Don't know them and never heard of them. It's for {$1100.00} dollars. 

I would like to have this removed immediately. 

Thank you!!
Product: Mortgage

I have submitted an application for re-finance with Embrace Home Loans as a response to their offer in the mailbox. Embrace Home Loans offer was as given below in quotes. All of the conditions in the offer were met by myself. Embrace Home Loans was not able to beat the competitor 's offer until the day of this complaint. When I asked to pay me {$500.00} as mentioned in the offer, they were giving excuses of all sorts. I was unable to provide the Loan Estimate from another lender as somehow I misplaced that document. Instead of Loan Estimate, I provided the final Closing Document with all correct costs in all categories, and that was rejected by Embrace Home Loans saying they only need Loan Estimate. When Embrace Home loan mentions the loan estimate can change until the loan is closed, the final Closing Document from another lender is rejected. 
I see this is not honoring the offer and creating a honey trap for the customers and taking all original documents from them ( even from the other lender ) making the information of the customer vulnerable for leakage. 

Embrace Home Loan Offer in the mail ( I also have hard copy of this if required ) : " Embrace will beat any competitor 's offer or give you {$500.00}. If you've received a competing offer, tell us about it. As long as you've submitted an application with us requesting the same terms, we will give you our offer through an official Loan Estimate ( or a revised Loan Estimate if you've received a previous offer from us ). If we don't beat the competing offer by making an offer with a lower APR, we'll give you {$500.00} - no more questions asked. A qualifying competitor 's offer must have the same terms as the offer requested from Embrace and be obtained within one week of applying with Embrace. You must present sufficient proof of this Offer to qualify for the {$500.00}. An official Loan Estimate without any obvious errors is considered sufficient proof, although Embrace will also accept various other forms of evidence as sufficient. Once presented with sufficient proof of a qualifying competitor 's offer, Embrace will have three business days to issue a Loan Estimate ( legal binding good faith estimate of loan costs ) with the same terms and lower APR. Otherwise, you are entitled to {$500.00}. Remember that even an official Loan Estimate is subject to change based on a lender receiving new or different information than reasonably relied on in providing the Loan Estimate. This is not a guarantee of the final terms that will be provided at closing. The terms and costs disclosed in the Loan Estimate may change within legal limits. The same is likely true for the competitor 's offer. For this and other reasons, you may choose to continue with your application with Embrace even if you do receive the {$500.00}. Maximum claim of one offer per application. Limited time offer only - must submit an application to Embrace Home Loans within 30 days of this advertisement to qualify. ''
Product: Checking or savings account

I was charged fees when I had just opened the account. The individual who helped me did not advise of any fees or anything really regarding this account, he just did it quickly. This was in the XXXX Florida region around XXXX. I called the bank and they told me there was nothing they could do and couldnt explain further what kind of account was opened.
Product: Debt collection

I sent a validation letter to XXXX XXXX on XX/XX/XXXX. I received a letter indicating that the debt was valid. I found multiple issues with there findings which are listed below : 1. The last payment date on the payment history report is XX/XX/XXXX but the loan was not disbursed until XX/XX/XXXX. 
2. The first transaction was listed as XX/XX/XXXX, again that does not match the last payment date of XX/XX/XXXX 3. They have a signed contract without a date but a signature with a date of XX/XX/XXXX but the contract date was XX/XX/XXXX. 
4. On the Disclosure Statement of repayment, the disclosure date is for XX/XX/XXXX but the disbursed date is on XX/XX/XXXX. 

Clearly, these dates are not matching up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 8 loans in 1 account. Two of the accounts are report as " collection ''. After calling Nelnet they said the accounts are not in collection, and that they do not send accounts to collection. They would not change the status until I made the account current. 

From a consumer perspective, I make 1 monthly payment, into 1 account. It looks and feels like 1 account. When the account falls delinquent, they report all 8 accounts to the credit bureaus as delinquent. Every loan in the account has different payment structures and the way the payments are applied are very confusing to the consumer. I called into Nelnet for an explanation and frankly it is not remotely similar to any experience consumers have with other creditors. It unfairly reports these delinquencies as multiple delinquent accounts causing severe damage to a consumer 's report. I believe this puts the consumer at a disadvantage. 

The account manager ( I have the name ) admitted to me that the accounts are very difficult to understand unless you do it every day. He also said the DOE 's billing and payment methods are very different than that of other creditors. I work in financial services, and that just sounds very suspicious, and misleading to consumers. Please feel free to reach out for specific detail and examples.
Product: Credit reporting or other personal consumer reports

I believe I am the victim of Identity theft pursuant to section 605B, please remove the inquiries on my FTC reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint filed through this page. The XXXX XXXX XXXX accounts listed on my report were opened more than 10 years ago. I expect these accounts to be removed from ALL credit reports. All accounts listed on report after 7 years is against the terms of agreement. This needs to be done ASAP and written actions be mailed to me to retain for my records. If a accounts are not removed from all 3 credit bureaus I will take legal action against the current holding Company.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/XXXX / XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CONTACT : ( XXXX ) XXXX XXXX XXXX : XXXX COMPANY : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number : ( XXXX ) XXXX Experian XXXX XXXX XXXX, XXXX XXXX TX XXXX. 

To Whom It May Concern, I am writing to dispute a debt claim associated with Account Number XXXX. According to the information provided to me, this account was opened on XX/XX/XXXX, and is listed as a collection account with an original balance of {$1400.00}, which remains past due as of XX/XX/XXXX. 
I wish to bring to your immediate attention that this account is fraudulent and does not belong to me. This is not the first time I have had to address this issue. Your company has previously confirmed the removal of this account from my records several times, yet it continues to resurface, causing me significant distress and damage to my financial standing. 
This situation has severely impacted my life, affecting my ability to secure credit, purchase a home, and manage my financial affairs without undue stress. It is imperative that this matter be resolved once and for all. 
Given the repeated nature of this error and its significant impact on my life, I demand the following actions be taken : XXXX. Immediate removal of this fraudulent account from my credit report and confirmation of the same sent to me in writing. 
XXXX. A thorough investigation into why this account continues to reappear on my credit report despite prior confirmations of its removal. 
XXXX. Proof of any supposed linkage of this account to my personal information, which I assert you will not find because this debt does not belong to me. 
XXXX. Assurance that this issue will not recur and that measures are in place to prevent similar errors in the future. 

Please be reminded that under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute and demand validation of this debt, which in this case, is entirely fraudulent and wrongly attributed to me. I expect a response within 30 days of your receipt of this letter, providing the requested confirmations and assurances. 
Failure to comply with these demands will leave me no choice but to seek legal advice and take further action to protect my rights and recover any damages caused by this repeated error. 
Thank you for your prompt attention to this extremely distressing matter. I look forward to your written response confirming the final resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

They refuse to return 16 months of on time never late payments to XXXX and now say my XXXX needs more time, WHY when clearly according to there own website says they are not honest
Product: Debt collection

Aaragon Collection Agency is reporting inaccurate information on my credit report that is ruining my credit rating. They agreed to remove but still being reported to one or more bureau with the same information.