23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I wired {$1000.00} on XX/XX/XXXX through Chase to my brother 's bank in XXXX. It's been 3-5 business days and more. My brother has not received it and already called his bank. I went to Chase and they could not help me. 

This is the second time it happened. Last time I got my money ( {$3000.00} ) refunded after 3 weeks without interest or the wire fee back. 

This time I want that {$1000.00} back and that {$5.00} wire fee. The bank information in XXXX is confirmed and correct. 

This is why people hate Chase and want to use crypto currencies. 

Please return my money.
Product: Mortgage

I used my lender 's online site this month to pay our monthly mortgage payment. I noticed that our payment had increased by {$120.00}. The increase was in our escrow. I had to call three times and still I do not have an answer that I understand or feel confident in. The first individual that tried to help me did nothing but babble and I soon discovered that she had no idea what she was telling me. I asked to speak with somebody else and she said, " I will be more than happy to help you with that '' and hung up. I had to call back, and maneuver through the labyrinth that is their automated system, and spoke with another individual who told me this was a mistake with the website and it would be corrected. I checked again later and the payment amount had not changed. I called back and was told that this was not a mistake, but the payment was increased because a check was sent to me in the prior month to cover that increase. I also found out I was sent two escrow refunds to us but I did not get it because the lender did not include my unit number on any correspondence ( which is ludicrous because THEY hold the mortgage to this unit ). The third individual said the increase was an accounting issue, updated my account, and assured me that our money would be resent to us. However, I still do not trust this and I really have little confidence in this lender. We have received no correspondence, phone calls, or emails from this lender regarding any issues with returned mail. In fact, they did not receive our renewed condo master insurance policy, and instead of contacting me by mail, email, or phone, they simply took a huge sum of money out of our escrow and sent me an email AFTER the fact. I was able to correct that issue, and the money was returned to our escrow. But these issues really make me question the competency of this lender and whether our account is really in good hands.
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item. As it is incorrect I will also send an intent to Sue per violation of my rights.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Student loan

I am writing to file a formal complaint against Navient for what I believe are deceptive practices regarding the management of my student loan account, specifically related to the application of deferments. 

Navient repeatedly placed my account in deferment status without my clear understanding or informed consent. While they sent emails requesting that I reply " yes '' to approve the forbarance, at no point did I have a voice-to-voice conversation with a representative to fully explain the implications. This lack of communication and transparency is deeply concerning. 

Furthermore, XXXX practices appear to lack adequate safeguards to prevent repeated and automatic deferments amd forbarance. These forbearances caused my loan balance, which initially was manageable, to grow substantially over time. This outcome has placed an undue financial burden on me, as I was not made fully aware of how these deferments would affect the overall loan balance and XXXX would auto place me on a forbearance. 

Navient 's actions seem to exploit borrowers who XXXX not fully understand the long-term consequences of deferments. I firmly believe there should have been stronger checks and balances in place to prevent this situation, such as freezing the account or requiring direct consultation with a borrower before applying consecutive deferments. 

I respectfully request that your agency investigate XXXX practices regarding deferments to ensure that other borrowers are not subjected to similar predatory practices. Additionally, I would appreciate guidance on any available recourse for the financial harm I have experienced. 

Thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/2024, a USAA checking account belonging to my daughter was removed from her USAA profile due to a bank error. Our family has spend many hours talking to USAA personnel to gain access to the account, including access to over {$400.00} dollars. For each call, USAA at first said they could not find the account and then were transferred to a customer solution representative who indicated there was a technical issue causing the account not to be " visible ''. Each time we had to detail the issue, given there were limited notes. During a call they week of XX/XX/XXXX, the USAA representative apologized for the bank 's error and indicated it was a " one-off '' and likely had been passed over multiple times by solution teams. A week later and still no action from the bank and still no access to the funds in the account.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed an account I wasn't familiar with. I sent this company a debt validation letter on XX/XX/year> for the company to validate that this debt belongs to me. Under 15 u.s. code s 1692g validation of debt. This company failed to validate the debt with the required documentation and didn't respond at all. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Hi, I have been dealing with cash express for some time trying to pay off a title. The last payment was due on XX/XX/XXXX my last payment was due on the XXXX I assumed it was the same day every month. They charged a XXXX dollar late fee. I have already paid XXXX and they say I still owe XXXX on a XXXX dollar loan. The total of payments on my loan is supposed to be XXXX. It seems really shady and excessive fees for a loan. The lady told me when I took out the loan I would make 13 payments now they say its 22. Can you please investigate there policies and make sure they are following the guidelines. There predatory process has really put me in a spot.
Product: Credit reporting or other personal consumer reports

Request for Information on Consumer Rights Dear BARCLAYS BANK DELAWARE, I am reaching out with a sense of urgency and determination regarding my consumer rights. I understand that this account is currently marked as charged off, but it is imperative that I obtain specific information to fully understand my rights and obligations. I kindly request your assistance in providing answers to the following critical questions : 1. Date Opened : When was this account initially established? 2. High Credit : What is the highest amount charged on this account? 3. Credit Limit : What was the original credit limit assigned to this account? 4. Date Last Reported to Credit Bureaus : When was this account last reported to the credit bureaus? 5. Date When Charged Off : On what date was this account officially charged off? 6. Date Last Active : When was the last activity recorded on this account? 7. Date of Last Payment : What is the date of the most recent payment made on this account? 8. Two-Year Payment History Reported to the Credit Bureaus : Can you provide the payment history for the past two years as reported?

Your prompt response to these inquiries is not only appreciated but essential for my understanding of my consumer rights and the implications of this account status. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX All Rights Reserved
Product: Checking or savings account

My debit card was compromised at some point. My account was used to charge XXXX at a XXXX XXXX in XXXX I live in XXXX. I disputed the charge and they denied my dispute saying no error was found.
Product: Debt collection

Calls virtually everyday.  Caller ID shows up as "XXXX" and they say they are the collection agency for "XXXX".
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score decreased by 100 points for a debt thats not mine on XX/XX/2022 then later that day it decreased another 20 points for no reason at all by XXXX
Product: Debt collection

Customer kept calling my home ( at XXXX PST ) to threaten me with arrest for a debt that they refused to state what it was for or who the original creditor was. Called me 4 times in a row, then proceeded to tell me XXXX off and I was a XXXX for stating I would file a complaint against them. Name of the company ( supposedly ) as it appeared on my caller ID is Executive Acquisitions - phone number that came up is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed out dispute letter to you guys with two forms of documentation and you guys always send a letter saying you need an ID. I purposely put my two forms of identification and the front to make sure it is seen. I have wasted a lot of money not to mentioned that my credit has been at risk from fraudulent accounts and unauthorized inquires. Could I please dispute the following as these account are not mine and these inquires were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IF THESE ACCOUNT COME BACK ACCURATE AND VERIFIED COULD I PLEASE GET A COPY OF MY WET SIGNATURE ON THE DOCUMENTS TO SUPPORT MY FRAUD CASE. 

ALSO, THERE ARE INQUIRES THAT WERE NOT AUTHORIZED BY ME. CAN I HAVE ALL INQUIRES THAT ARE NOT ATTACHED TO AN ACCOUNT REMOVED.
Product: Debt collection

I am unsure as to who this company is. This company contacted my mother and never contacted me. They contacted her on her cell phone and I have reviewed all of my records and have never received any correspondence from this company. Where is the VOD or validation of debt, if any. I do not know who they are collecting for and at this point the representative XXXX XXXX and her company Hunter Warfield are in clear violation. I am requesting this company cease and desist. They should only be using location information if they are unable to reach me, which they have not tried. I am unsure of what the antics are, I have read a lot on this company but this is my final attempt to get them to cease communication and to close any files they have as I am getting my lawyer involved.
Product: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. I demand to know who verified these accounts, and the method of verification. I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.
Product: Debt collection

This is not my debt. I have ask the collection agency to supply me with supporting documentation that support their claim on XXXX/XXXX/2017. This request was sent by certified mail. However, now I am seeing this debt on my credit file.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> the bank stopped reporting my XXXX acct to the credit bureau and put it as closed but the account is open and I am still making payments. This is an adjustable mortgage and my XXXX XXXX decreased once they closed my loan. My interest rate adjusted after and increased by XXXX percent. So for the next XXXX years my interest rate is XXXX percent higher. Additionally they wrongly reported my credit card balance as over the limit in XX/XX/year>. I also never received notification that my mortgage was adjusting, the apr or the new payment amount before it was adjusted. Now i feel like I am not in a position to refinance with a new lender because my information is not reflecting as it should and my XXXX XXXX is not what it should be due to their inaccuracies. I feel like am being forced to keep my loan with them the agent XXXX XXXX even tried to offer to refinance me with a below market rate which is higher than what I had to solve the problem.
Product: Debt collection

XXXX   XXXX   XXXX  the Director/Executor/Beneficiary/Grantor/Sole-Shareholder for ( legal name  XXXX   XXXX   XXXX  )  To Whom it May  Concern and that of management staff This letter is being to you in response to a computer generated, entry, letter view by  XXXX   XXXX   XXXX   XXXX   XXXX  of the accounts for  XXXX    XXXX    XXXX , on  XXXX   XXXX ,   XXXX   and the information obtained stated that your companyAFNI #  XXXX  is handling this debt. Be advised that this is not a refusal to pay, but a notice sent pursuant to NATIOANL BANK ACT, THE FAIR CREDIT REPORTING ACT, THE UNIFORMED COMMERCIAL CODE as well as THE FAIR DEBT COLLECTION PRACTICE ACT. This is a continuing effort and attempt to validate a Debt. Be advised that your claim is questionable and validation, proof of claim and lawful verification is demanded. This is a lawful request in accords with the aforementioned and the following : Fair Debt collection Practices Act,   15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
( a ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive   debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.   ( b   ) Existing laws and procedures for redressing these injuries are inadequate to protect consumers.
( c ) Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.
( d ) Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.
( e ) It is the purpose of this title to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action   to protect consumers against debt collection abuses. I DO NOT HAVE ANY CONTRACT WITH AFNI AND I DO NOT WISH TO DO BUSINESS WITH THEM.
Product: Mortgage

Freedom Mortgage Re : XX/XX/year> Mortgage Payment Paid to Wrong Company Remove late payment due to bank error The XX/XX/year> mortgage payment paid on time via XXXX XXXX XXXX on Saturday XX/XX/XXXX to Freedom Mortgage. See screen shot 1 showing the payment history of the payment made to the Bill Payee Freedom Mortgage. 

XXXX made the payment to the wrong company called XXXX XXXX XXXX XXXX When selecting the payee, Freedom Mortgage was entered with the account number. You can not go to the next screen without entering the account number. See Screenshot 2 Hit next, and XXXX Bill Pay presented XXXX XXXX XXXX XXXX and Freedom Mortgage as the next options. Given that Freedom Mortgage was already selected, any reasonable person would think that both selections, XXXX XXXX XXXX and Freedom Mortgage, are both associated with Freedom Mortgage. See Screenshot 3 Payment was made to the XXXX XXXX XXXX. The XXXX XXXX XXXX has no affiliation with Freedom Mortgage. XXXX XXXX XXXX should not have been presented as an option under Freedom Mortgage. This is the XXXXXXXX XXXX  error. 

Freedom Mortgage did not receive the XX/XX/year> due to a XXXX bank error. 

Freedom Mortgage was notified of this issue by m a few times via calls to the customer service center at XXXX. During these calls I provided documentation that the payment was made to the wrong company XXXX XXXX XXXX. The Freedom Mortgage agents and managers advised me the payment would not be considered late as I worked to get the monies back from XXXX XXXX XXXX XXXX. No Freedom Mortgage agent advised me that payment must be made to avoid a late payment. 

I made the next month 's payment, and when I received the money back from the XXXX XXXX XXXX, I sent the payment to Freedom Mortgage. It was very difficult to get the money back from the XXXX XXXX XXXX, and XXXX would not reverse the payment that was obviously made to the wrong company. See XXXX XXXX XXXX email thread copies. 

Due to the error by XXXX, the late payment for XX/XX/year> should be removed from my credit report
Product: Checking or savings account

A statement for XXXX XXXX, owner of an IRA got sent to an old address after her death and forwarded by the resident to me on early XXXX. I took that in to XXXX XXXX in XXXX, MI at 5/3 bank to look into it. The statement has no beneficiary info. XXXX has delayed and delayed on this. My motherXXXX XXXX- XXXXas the beneficiary. She was living when the IRA matured but no one searched her out. She died in XX/XX/XXXX and this info was provided to XXXX in early XXXX when I knew a death certificate was needed. Secondary beneficiary was XXXX XXXX brother. I took him to the 5/3 branch in XXXX  XXXX, IN to do needed notarized paperwork in the XXXX  after he moved here from NM. He died of XXXX. The attorney for XXXX XXXX, XXXX XXXX XXXX has also tried to get this money released. XXXX XXXX does not respond or return calls unless with prodding. Theyd is ALWAYS something additional needed. So either she has no clue or shes deliberately stalling. Could the huge judgment against 5/3 be the reason theyre holding onto assets??? One time when I went in to ask XXXX to do something she said shed follow up If I have time. My older brother, XXXX XXXX, is handling XXXX XXXX estate. He has made numerous requests. My sister, XXXX XXXX is handling XXXX XXXX estate. She knew nothing of this until recently and was asked for proof. XXXX has supplied proof. The proceeds SHOULD have gone to XXXX XXXX before her death. Please prompt 5/3 to clear up this mess. The IRA is $ XXXX. Enough! The statement was not kept by me.
Product: Mortgage

We had a mortgage with XXXX XXXX XXXX, everything was fine until we had a wind damage insurance claim. the Insurance co ( XXXX ) sent us a check to be endorsed by us and the mortgage company on XX/XX/2018 in the amount of {$22000.00}. the rules kept changing on how to get the contractors paid. I got my insurance company to call five times to help get this problem resolved. I told them that I was going thru the Cal. DOJ if we did not get the checks. On XX/XX/2018, they sold my loan to Selena Finance XXXX XXXX XXXX XXXX. XXXX, TXXXXX, XXXX. I called Selena and they said a balance of {$9000.00} was transferred, However : no insurance or claim adjusters report were forward and Selena said, I could resubmit all the paper work again. I am aXXXX % XXXX XXXX veteran and my ceiling is falling down. I had the roof repaired and floor replace ( paid ) the ceiling and paint still needs yo be done. I have been back and forth since XX/XX/2018 and has cost me {$78.00} in mailing all this paper work. I am not going to do this again. I will send the appraiser cost for repair.