23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

History : My mortgage was sold by XXXX XXXX to Ditech Financial in XX/XX/2018. 

Once my account got transferred over to Ditech, I wanted to prepay about 25-30 % of my remaining mortgage for the purpose of saving some interest and re-allocating some of my portfolio to the tune of {$120000.00}. 

I made a few test payments, through Ditech 's bill pay ( {$10000.00} ) as well my Credit Unions bill pay ( {$1000.00} ). It went fine. 

Then I made a bill pay transaction for {$100000.00}, through my Credit Union 's  setup. They mailed a cheque and Ditech cashed it on XX/XX/2018. I had added a memo, " Please apply to Principal '' ). 

To my surprise, only {$9000.00} of the {$100000.00} was applied to my Principal, with the remaining {$100000.00} unaccounted for. 

Multiple calls to Ditech resulted in vague denials/reasons, it probably will happen in a few days to nothing happening so far. 

I'm concerned that this company is committing some kind of fraud with my money. 

Please take action against these guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed an account by the name of XXXX XXXX XXXX reporting to XXXX credit bureaus Experian XXXX XXXX... I have never opened an account with XXXX XXXX XXXX .... I contacted the company and I was told that I am not in there system .... But for some reason they are reporting a XXXX with a balance of {$3300.00} .... This account is a fraudulent Account which I have no knowledge of .... When I checked my credit report I also noticed phone numbers, addresses, and my name spelled incorrect. I DECIDED TO GO TO MY LOCAL POLICE DEPARTMENT TO HAVE A REPORT COMPLETED DUE TO A FRAUDULENT ACCOUNT.
Product: Credit reporting

Experian XXXX reported that my XX/XX/XXXX payment on my XXXX XXXX XXXX lease for a black XX/XX/XXXX Sorento was 30-60 days late. The attached shows that I do not have a payment due until XXXX XXXX and that I paid the payment due XXXX on XXXX/XXXX/15, the payment due on XXXX was paid on XXXX/XXXX/15, the payment due on XXXX was paid on XXXX/XXXX/15 and the payment due on XXXX was paid on XXXX/XXXX/15
Product: Mortgage

Company name is AmeriHome mortgage LLC. 
On XX/XX/XXXX through XX/XX/XXXX I have been paying my mortgage with a bank account with no issues. On XX/XX/XXXX, I made an exact payment of {$1900.00} like usual and got a email saying my payment was applied to the loan like always. Later in the month XX/XX/XXXX I found out that the payment was rejected and got a late fee of $ XXXX. I called the company twice in the month of XXXX to get it figured out. The people did say they figured it out after multiple rejected payments. I made a payment on XX/XX/XXXX of {$1900.00} with that account that worked in XX/XX/XXXX. It was rejected so I called the company again and the person made the payment for me. I got a confirmation email saying my payment was applied but days later got rejected. Made another payment with a different account and got rejected. So called again and made another payment with the same account and was accepted in XX/XX/XXXX, But the second payment that was rejected went through. So they charged me XXXX mortgage payments in XX/XX/XXXX, which XXXX of those payments went to XX/XX/XXXX. I am now suspended from making payments online for 12 months due to getting rejected. They keep telling me there is no one that can lift that ban from my account. So I had to pay by cashier check for XX/XX/XXXX. I called three times for an address to send my check and got multiply addresses. So Its been over 10 days since Ive sent my check for my XX/XX/XXXX mortgage payment. Called twice on XX/XX/XXXX to see if they got my check and said no. I have couple more days till I get another late fee. I am currently stuck with no way to pay my mortgage. I have the funds to do so and they keep rejecting my payments. The people I talk to on the phone will tell me they figured it out for me but obviously did not. I attached the payments made in XXXX and XXXX.
Product: Debt collection

Joint account, my judgement was determined to {$0.00} documents are attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter because I recently checked my Consumer Report and I noticed that some errors and inaccuracies reporting. I have been impacted in a negative way because of the XXXX  Data Breach. Also, the collection companies that are involved failed to notify me 5 days it report on my consumer reports. According to 15 USC 1692g validation of debt, the collection agencies my rights were violated. My privacy has been violated as well. Another thing is that I mailed this to them XX/XX/2021 and Its XX/XX/2021 and I have not received a letter from them and they have not issued a notice of dispute on the accounts and its well over 30 days. This has been haunting me for a few years but Im just realizing what the issue is thats hurting and its very frustrating and depressing. As a result I cant get reasonable insurance or a place stay because of this.
Product: Vehicle loan or lease

I have a problem with the whole loan process. I do not feel that the dealership was being honest and one of the sales people, ( XXXX ) called my daughter and discussed the loan with her and she called me to discuss that the loan was fraudulent. I moved to XXXX, XXXX  back in XXXX  and when I moved I was in a leased vehicle. When I went to XXXX, XXXX, the lease vehicle was given back to the dealership ( XXXX ). I needed a vehicle and I really wanted a car that was inexpensive therefore I went to a car lot by the name, " XXXX XXXX '' to purchase a car. I ended up getting a car but had to get a co-signer. My sister, XXXX XXXX co-signed for me to help me get the car. They ended up making her the buyer and me the co-signer on the application but they gave us an extremely high interest rate. I never knew what her score was until they told her this month that she was over XXXX and are now in the XXXX 's. She is very upset about how they had us signing several disclosures through e-signature which I was sceptical but at the time, I needed a car. What I have since found out is that they are not licensed to sell me a car because I lived in XXXX  and that they overcharged the interest rate on this loan. I also found out that they rolled back the mileage on this car which I am not okay with because that means it was over price.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) Due to inadequate customer service and unfair practices which violates the cfpa.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX, XXXX and Equifax credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Product: Payday loan, title loan, personal loan, or advance loan

Advance 24/7 Financial line of credit. I have used this line for several years XXXX to XXXX. I explained I had a loss of some of my income & having difficulty make payment. I asked to begin making payments on Principle amount {$1900.00} to stop the Bleeding ie, excessive interest ) but was told their ( auto ) system would not allow it until 360 % paid first. The interest from XXXX to present XXXX is now a minimum of {$2400.00}. They want me to pay {$500.00} on the XXXX XXXX XXXX but w no guarantee that the excessive interest will continue to go up as the ( auto ) system act on its own. They said if I make this payment they would take off appx additional {$100.00}. This should not be allowed in our state TN or anywhere. I appreciate any help I can receive to settle & stop this predatory lending.
Product: Checking or savings account

I am a consumer with us bancorp and I was trying to activate my VISA debt card  though XXXX XXXX  and what I was hearing from every rep on the phone they are allowed to activate their cards though email and text but as for me I am being treated unfairly how I do my debt card activation and putting a verbal password on my account so no ONE like a fraudster won't access my account though my personal information and getting my statements on my email when I get like my paycheck and what is my breakdown for the mouth but US Bank refuse to send my activation code to activate my VISA card though email refuse me to get my statements and refuse me to put a verbal password on my account for security and refuse me to access my account online on my XXXX XXXX to see what my account number is and I am not happy how us bank treat me as a consumer who does not know what I am doing on my account.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of complaint : this CFPB complaint has been filed to request pursuit to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), and an auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ). An auto loan opened at XXXX XXXX XXXX FIN on XX/XX/XXXX under the account number ( XXXX ). A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). And a XXXX  account opened at XXXX XXXX CT MN XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent accounts, and collections appearing on my consumer XXXX credit report. I have attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent Items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof of the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate re-dress for these violations.
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of certain items on my credit report as provided by the credit bureaus, XXXX, Experian, and XXXX. Despite multiple requests for verification, the accounts listed below remain unverified, which has negatively impacted my creditworthiness and ability to obtain credit. Per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), I request that these accounts be thoroughly investigated and either verified with hard evidence or removed from my credit file. This law mandates a reasonable reinvestigation to determine the accuracy of disputed information within a 30-day period. Additionally, I request the removal of all non-account holding inquiries over 30 days old and the addition of a Promotional Suppression to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, after ordering a credit report from XXXX, I sent a Disputed letter to the credit reporting agencies. I found these UNVERIFIABLE accounts on my personal profile after receiving a copy of my report, and I also discovered that my credit report contains accounts that are deceptive to me. On XX/XX/2023, I wrote to the three credit bureaus. I believe they violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) by failing to authenticate these accounts ( A ). This was part of my most recent COMPLAINT, and I'm hopeful that it would prompt an immediate correction of the following accounts ' late payments : XXXX XXXX Balance : {$24000.00}. It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

I purchased an item for on XX/XX/21 for {$110.00} from a company named ledger. I wanted to return the item and reached out the vendor after receiving the product. I was advised the item needed be sent to XXXX for a refund within 14 days. I got a shipping quote that was about {$120.00}. I reached out the vendor and requested they provide me a XXXX address to return the product as it wasnt reasonable to pay more to return a product than it cost to purchase. They declined to provide a XXXX return address even though it was shipped to me from within the US. This company has an unreasonable return policy so I wasnt able to get my money back or return the item. 

The terms of my card agreement with Apple/Goldman sach state that If I am dissatisfied with the product or service I may have the right not to pay I filed a dispute with my Apple Card/Goldman Sachs. They ended up siding with the vendor vs me from the dispute as I didnt return the product even though I provided them with the facts of the vendors return policy. 

I disagree with their decision and have demand they either refund the {$110.00} plus any interest or use arbitration as outlined in the card agreement. They have refused to provide a credit or proceed with arbitration as outlined in the card agreement. Ive reached out them 3 times to no avail. I was even told by one rep in a chat that the card offered no consumer protections. 

I would like to have the {$110.00} plus interest refund to me or proceed with a third part arbitration through JAMS at Goldman Sachs expense as outlined in the card agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry details : XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018
Product: Credit reporting or other personal consumer reports

About XXXX years ago, XXXX XXXX sold me a phone that was a lemon. It couldnt connect calls or receive text messages no matter where in the state I went. I talked to them repeatedly about sending me a replacement phone, and they refused. So I stopped making the payments because I had to have a phone that worked for my job, and bought another phone. I couldnt pay for XXXX. XXXX laws should apply to high dollar items like phones, too. 

I have a collection on my report from XXXX XXXX that just keeps getting resold. Each time it gets a new start date. That makes it look like a new debt when it is not. I disputed it years ago to no avail. I tried to contact Experian to find out if they had the original date, and to ask how many times it had been sold and also if I could dispute it again, since I had disputed it in the past. Now, to reach a human at Experian is impossible. XXXX forbid that you can get a live person!! None of the options the XXXX  bot has pertains to me so it hangs up. I can not even get anyone through social media who will call me on the phone and answer a few questions. They have our very lives in their hands and they cant take a call?? This needs to be illegal. I was done wrong by XXXX XXXX and XXXX doesnt think I should speak to them? Why can they control who lends people money, how much, what youll get charged for insurance, whether you might get a certain job, yet they dont have to TALK to us? NO! The only one that helped me was XXXX. I had a gentleman speak to me, XXXX  in broken English, but he seemed sincerely concerned. I think he may be my lifesaver. 

People have a right to have access to a human who will answer questions! Sometimes a bot just cant cut it. I refuse to jump through hoops for a bot! I think it's a right, if they have control over our lives like they do. Its the least they can do.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I requested to wire {$2000.00} to a foreign bank ( XXXX XXXX in XXXX ). The wire has been reversed on XX/XX/XXXX, and a {$50.00} has been deducted from the " transferred '' amount retuning back {$1900.00}. The {$50.00} charge is in addition to the {$25.00} and {$20.00} fees charged per transaction. On XX/XX/XXXX when I learned of the reversal, I tried to send it again, I called USAA again and re-initiated the same amount as above. Same story, same fees charged. I went ahead and contacted the receiving bank ( XXXX ) and they advised that were never presented with funds or message that a incoming wire is to be processed. I have attached the document they provided. 
Since I have tried twice and USAA is washing hands stating that is not on them, but rather the receiving bank, I change the recipient bank so on XX/XX/XXXX, I sent {$3000.00} to XXXX in XXXX. Sure enough, that one has also been reversed with the same fees charged from my funds. 
Tired of this, I sent the funds using the XXXX XXXX wire transfer and there was no problem at all. For sure USAA have an issue on their side, but they are refusing to acknowledge it. I have spent a number of hours on the phone with them, but I got nowhere. No resolution. My case was handled by XXXX and XXXX in the wire resolution department, but no positive outcome. Upon my tries to use them to wire out and being unsuccessfully, I have asked them to refund my charges for not performing on a process that I see no problem with other money wire services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$12000.00} XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX CAPITAL XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I attempted to use my coinbase.com account to send about {$45.00} of bitcoin. After completing my transaction I was told my transaction was put on hold because ID verification was needed. I completed the process online and was told my account is now verified. However the transaction still, did not go through. After working with support for over an hour, they kept telling me I needed to upload a photo of myself but the website they asked me to do this on was not working. Instead of asking me for a photo, it simply brought me to the main account page. I tried this from XXXX XXXX, XXXX on my PC and from my mobile phone. 

After being unable to assist they refuised to cancel the transaction... I am being held hostage because I can not use MY funds and they wont return them. It is NOT my fault coinbase 's website isnt working.
Product: Checking or savings account

I had a been with this bank for awhile they had suddenly closed my account at there discretions but before that I had my money deposited into this account from me doing a bank transfer into this account, and before they even closed my account I had done one more transfer to my XXXX account to be on the safe side once I did that bam my account was closed I couldnt log in on the app they had completely closed my account
Product: Credit card or prepaid card

In XXXX, 2020, on Southwest Airline 's website, at the time I was making a reservation, an offer was displayed that stated that if I signed up for the Southwest Rapid Rewards Visa that was offered by Chase that I would receive {$200.00} back after my first purchase and XXXX Rapid Reward miles. I applied for the card through the link that was provided for this promotion and was approved for the card. 

Upon receiving my first statement for the card, I saw that I had been charged the annual membership fee of {$69.00} but I had not received my {$200.00} promotional credit. I called Chase promptly and provided all the information about the promotion and requested that the promotion be promptly applied. Chase indicated that they would investigate this issue and let me know their response. 

Chase responded today XX/XX/2020, that they were unable to provide the promotion and would not give a reason as to why. All that I could be told was that somehow the link that I clicked " diverted me to another promotion, '' and that was that. This secondary promotion was never made publicly facing, and had it been, I would NOT have signed up for the card. The secondary promotion offered only miles on Southwest Airlines, which I did not want. 

This is total bait and switch! The link " diverted me? '' I have absolutely NO control over this - I clicked on the appropriately indicated link and if the link " diverted me, '' then this was intentionally and fraudulently set up behind the scenes by Chase and they had ABSOLUTELY no intention of ever honoring the advertised promotion. 

I want Chase to honor their promotion as they legally are required to do and credit me w/ the {$200.00}. If that also means rolling back my miles on Southwest Airlines, that is fine. I do not want the extra miles. I want the promotional credit as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that I had a collections account with XXXX. I already paid a balance of {$390.00} with XXXX prior to closing my account with them, bringing my account balance to {$0.00} which I then immediately closed the account directly after. 30 days later, I noticed a collections account of {$390.00} on my credit report. This account is NOT mine and is being falsely reported on my consumer report. 

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