23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were in lender negotiations between two lenders. SoFi told us on a recorded line that we could pay for and schedule a home appraisal and get a full refund should we cancel before the scheduled appointment. The appointment was scheduled for XX/XX/XXXX at XXXX. On the XXXX, we emailed and requested to have the appraisal canceled. On the XXXX, SoFi indicated that they notified the appraisal team of cancelation. We followed up asking them to confirm we would receive a refund that same morning. Less than an hour later they confirmed we would receive a refund. Then later over the phone and on a recorded line, they informed us that they took it on themselves to actually not cancel the appraisal and just put it on hold without us ever requesting that. 

Later that same evening, the XXXX, we requested again to have this canceled before the scheduled appointment. The following morning you stated for a XXXX time that you were canceling the appraisal. It appears it was somehow not actually canceled until later that afternoon after the appraisal appointment and we only received a partial refund. 

SoFi offered to connect with the appraisal team to determine what caused the partial refund and we did not receive details back. I attempted to escalate my concern through their customer service contact us line and have not received a call back from a Supervisor but rather just an email from SoFi asking if we received our partial refund.
Product: Debt collection

XXXXXXXX XXXX 5 mile trip from home to hospital. Paid {$260.00} by XXXX XXXX  checking to ambulance co, XX/XX/XXXX, and then paid {$46.00}XX/XX/XXXX. 
Received letter from collection agency saying the ambulance co had agreed to accept {$310.00} as payment in full, if received by XX/XX/XXXX. Both checks were received and cashed by the ambulance co prior to XX/XX/XXXX. I have bank records, and copies of cancelled checks, and a copy of the letter stating the total balance is/ was {$310.00}. 
Please help
Product: Credit reporting

I paid my federal taxes in full and the lien was released but it is still reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my credit report from XXXX? XXXX  credit services it shows on my credit report that I " XXXX XXXX XXXX paying a second Mortgage to " Shellpoint Mortgage services. The Only Mortgage that I am paying and I am very current and open and with excellent standing is through XXXX XXXX XXXX Mortgage Acct. # XXXX for XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX # XXXX. 
And the one from Shellpoint Mortgage Services ID Number starts with XXXX ....?? with a balance of {$62.00}, XXXX. Which its NOT MINE MORTGAGE at all! I called XXXX XXXX XXXX and explained my situation and told to file a complaint through CBPF. Even XXXX XXXX its Part of Shellpoint but it is showing a Mortgage that its NOT MINE! Please investigate this matter and get my credit report correct! Please!
Product: Student loan

I have an in-school deferment. While I 'm in school, my subsidized loan interest is being paid for by the government. I want to pay for my un-subsidized loan interest so that my loans will not grow larger by the interest being capitalized. This company does not post the dates that the unsubsidized interest will be capitalized and the amount of the unsubsidized interest amount on their website nor do they send me statement that I can pay. Therefore, I believe they are on purpose keeping this information from me so that they can increase my loan amounts.
Product: Credit reporting or other personal consumer reports

XXXX th XXXX. I was encountered with a an unsympathetic supervisor today who said they report after 30 days a delinquent account. After calling numerous times since XXXX XXXX XXXX thru today I was told I had {$29.00} late minimum payment I missed however since XXXX to XXXX this was the first incident that made my card delinquent. She was not sympathetic or understanding at. The lady happily with a high tone hung up and said XXXX XXXX XXXX bank XXXX card.
Product: Debt collection

Portfolio recovery which was XXXX XXXX I told them it was Identity theft and they said it was not true but the government knows my Ex did fraud in the United States and he stole my social security and used those cards I had when I left to CA to get a divorce I didnt know.
Product: Credit reporting or other personal consumer reports

i disagree with the account listed below which still appears on my credit report, I would like this item immediately re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX WITH A REPORTED BALANCE OF {$1600.00}. ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Product: Mortgage

2020 Refinanced my home with another mortgage lender. Equity line was paid in full. Wells fargo states that because they could not close the account because they did not receive a closed letter from new mortgage provider. To keep the account open, it had to have balance. So they sent me two check totaling {$1500.00} that I did not request. They sent two letter over XXXX in regard to closing the account. I assumed the funds were refunds from my refinance. i just found out this week that I have a lien against my property for funds I never requested due to internal WellsFargo policies of not being able to have a XXXX balance an account and needing a close letter or apparently they will send you money I did not request.
Product: Debt collection

XX/XX/2018 {$1100.00} Reporting negative on credit report
Product: Prepaid card

American Express eGift Card : Despite the card 's claim of universal usability, multiple attempts to use it at reputable online retailers have resulted in denials for security reasons. This discrepancy raises concerns about the card 's reliability and adherence to promised functionalities.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Global Lending Services for inaccurately and unverified reporting of late payments on my credit report. Despite my previous attempts to resolve the issue, Global Lending Services has failed to provide the necessary documentation to verify the late payment under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666.

Violations Committed by Global Lending Services : Failure to Conduct a Proper Investigation ( FCRA 1681i ) Global Lending Services failed to verify the accuracy of the reported late payment within the 30-day investigation period required by law.

I have requested the documentation proving the validity of the late payment, yet Global Lending Services has not provided a detailed billing history, evidence of the due date, or proper notification of delinquency before reporting.

Failure to Provide Proper Notification Before Reporting ( FCBA 1666 ) The Fair Credit Billing Act mandates that creditors notify consumers of a delinquency before reporting a late payment to credit bureaus.

I did not receive any notification or written billing statement indicating that I was delinquent before this negative mark appeared on my credit report. 
Violation of XXXX XXXX Reporting Standards Global Lending Services is required to ensure accurate and complete data under the XXXX XXXX guidelines. 

Upon reviewing my credit report, I found inconsistencies in the reporting of the late payment across various credit bureaus, which constitutes a violation of FCRA accuracy requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped 133 points from XXXX and spoke with Equifax and was unable to to get any answers of why my credit score dropped by so much. then I was hung up on. My XXXX account is at XXXX.
Product: Checking or savings account

I am writing to report a serious incident of unauthorized withdrawal and fraudulent activity that occurred on my Wells Fargo checking account ending in XXXX. On XX/XX/XXXX of this year, an unauthorized withdrawal of {$940.00} was made from my account without my consent or knowledge. 

Upon discovering this fraudulent transaction, I immediately contacted Wells Fargo to report the incident and filed a claim asserting that I did not authorize nor execute this withdrawal. I provided all necessary details regarding the unauthorized transaction, including the date, amount, and specific account information. 

Despite my prompt action and thorough explanation of the situation, the response from Wells Fargo was deeply unsatisfactory. After weeks of investigation, they informed me that my case was closed, asserting that there were no signs of fraud and refusing to return my stolen funds. This decision was made despite clear evidence to the contrary. 

Furthermore, during my own investigation into the matter, I uncovered additional instances of fraudulent activity on my account. The perpetrators also initiated phone transfers from my savings to my checking account, transactions which I did not authorize or execute. Additionally, they used a new debit card that I was expecting to receive in the mail but never did. These actions further confirm the malicious intent behind the unauthorized access to my accounts. 

I am particularly distressed by the fact that Wells Fargo allowed these transactions to occur without alerting me. Normally, when I withdraw over {$500.00}, I receive an alert before being able to make the payments. The absence of such alerts in this case suggests a failure on Wells Fargo 's part to uphold their standard security measures and protect their customers ' accounts from fraudulent activity. 

In light of Wells Fargo 's wrongful closure of my case and refusal to address the fraudulent activity on my account, I am seeking assistance from the Consumer Financial Protection Bureau to rectify this situation. I urge you to investigate this matter thoroughly and take appropriate action to ensure that Wells Fargo fulfills its obligation to protect its customers from fraudulent activities and reimburses me for the unauthorized withdrawal from my account. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to resolve this issue and hold Wells Fargo accountable for their failure to safeguard my financial assets.
Product: Mortgage

On XX/XX/2021, I called US Bank to inform them I had received a letter from XXXX county stating my property tax had no been paid on time ( due XXXX XXXX ) and they had already added a penalty onto my total amount due for the third installment. Another installment has been late again as of XXXX XXXX. I have called US Bank about 10 times in the past 30 days trying to have them to pay my property taxes since I pay escrow every month and have never been late with a payment. XXXX county has the right to put a lien on my home if the bank does not pay the tax. I am being treated unfairly, ignored, and seem as if we are a joke to this bank. This is a VA loan and this is how they treat veterans. They dont care that a family could lose their home for there irresponsible actions as a mortgage company. I want my 3rd and 4th property tax payment paid for immediately.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX - I emailed company letting them know that I contacted their client to cancel my account but was unable to do so because XXXX XXXX  closed their doors to communication due to being Bankrupt. 
HealthFinance Direct responded saying my account has not been created but that I still need to pay their loan. 

XXXX XXXX I recieved an automated email congratulating me for agreeing to a contract and attaching a contract. I reviewed the contract and it had all my information filled out and a false signature with a digital stamp and date that i have never seen before. I emailed moments later notifying to the company that this is the first I'm seeing this contract, that i have never signed it or reviewed it on the date listed in the contract. I told them the contract is forged and very concerning.

HealthFinance Direct responded by re-attaching the contract be excluding the areas that were forged. 
XXXX XXXX I called HealthFinance Direct and spoke to a representative explaining the situation and they said there was nothing the company can do to help me and they are sorry my contract is forged. They advised to call back XX/XX/XXXX before the first payment is due on XX/XX/XXXX to see if the company can resolve my issue. 

XXXX XXXX They responded saying they are unable to cancel my account and that i need to pay regardless and sent me to their client website that is shut down without any way to contact. 

XX/XX/XXXX - I called HealthFinance Direct and spoke to a representative explaining the situation again. I mentioned that I've been unable to cancel my account with HealthFinance Direct and that it seems im being bound my a forged contract under my name. The Operator said they dont know how to help me, that many people are in my situation but that regardless i need to pay or else their systems will automatically send me to collections and i will lose credit score. I asked to speak to someone who can help me, and the operator said no one can help me, the system is automatic and no one in the office can modify the system.
Product: Debt collection

I have sent numerous letters demanding documentation of the alleged debt and a contract bearing my signature with Ad Astra Recovery Services. I have disputed this with all three credit bureaus and they are reporting the information is correct but can supply me with documentation.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : 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: Payday loan, title loan, or personal loan

Springleaf changed it's name to OneMain that's when all the problems started. I have my payments/ {$80.00} automatically debit at the beginning of the month. OneMain is reporting late payments for  XX/XX/XXXX and XX/XX/2018 which is incorrect, since I have my payments automatically debited. I've contacted OneMain several times regarding the late payments that's being reported on my credit reports.The customer service representatives are not very customer friendly. Can someone help the consumer please. Also if you google Springleaf/One Main complaints you can view hundreds of complaints of UNsatisfied customers. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard dates for reference - XX/XX/XXXX is the date my wife moved out, - XX/XX/XXXX is when I met with a an attorney who was referred to me by a friend of a friend, - XX/XX/XXXX is when I had been charged without authorization. 
- XX/XX/XXXX actually divorce filed my wife and I were separating just after the XXXX  of XXXX and she moved out on XX/XX/XXXX this is when I went to speak with an attorney who was referred to me by a friend. Upon speaking with the attorney I let him know the first in for most important aspect of this process is the kids because I do not want to lose custody or have anything happen to them. He told me that he would look into it and get back to me. Then he asked how much $ I had. This brought up the conversation of retaining him at which point I said that right now I have roughly XXXX dollars and a little over XXXX available credit on my credit card. However if he could make sure nothing happened to the kids and I was for sure to be filed for divorce against than I would use His services for that as well. 

Within two weeks Of meeting with this attorney I was notified of this date taking the kids and putting them into foster care. At which point I then called said attorney mentioned above who indicated that he hadnt heard from me yet so hadnt done much to or inquired about my kids. This was absolutely unprofessional inappropriate and bleeding and negligible act. 

It wasnt until XX/XX/XXXX that I finally heard from my wifes attorneys and the divorce was not actually filed for another week after that however I then found that the attorney mentioned Above have charged my credit card on XX/XX/XXXX for {$3100.00}. 

I tried to dispute this with XXXX XXXXXXXX on a couple different occasions both times I was told that I didnt have proof so I could not challenge the charges. The only thing I signed with the merchant was a letter of intent but never approved a charge to my card. In fact the divorce wasnt even filed until XXXX and the attorney that I hired and actually represented me during my divorce was retained XX/XX/XXXX or so which is a full 6 weeks after meeting with this merchant. 

Attached youll find documentation to support the above and would love to get this rectified off my credit and refunded accordingly.
Product: Credit card

I've contacted Kohl 's several times to discontinue my credit card they continue to send me along with Capital One brand new unused credit cards with the canceled account number on it when I call they always say oh we must have sent that before you close the account no no I close that account over a year ago and on it goes to make it worse I've moved since I had that card and they sent it to the old address thank God the mail forwarding is still working
Product: Credit card

XX/XX/26, ordered XXXX XXXX from bestbuy. Stolen from XXXX. Best buy refused to refund, XXXX admitted fault, Bestbuy still refused to refund. Citi sided with merchant despite a lot of evidence. 
I contacted with best buy communicated with XXXX communicated with best buy again best buy refused to do anything did a chargeback citi sided with best buy reopened the dispute again, with overwhelming evidence citi sided with best buy again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, a home improvement loan was taken under my name fraudulently from a property i have never owned!!!. In XXXX XXXX FCC Finance reported a debt without even contacting me first or trying to reach out to validate this debt. I disputed with XXXX and submitted a police report, identity theft reports and etc. To this day, my credit score has been significantly lowered and in result of that i have had losses ( credit limits lowered ). FCC finance is not sending me the original contract. I hired legal services and intend to file a lawsuit to all parties involved for my damages and tarnishing my good name. FCC Finance should have not reported a fraudulent debt to XXXX. How could a loan be issued for a property i never owned? Why was this loan never reported for 7 years?????
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to WELLS FARGO. I am writing to re-appeal that you block the following false information from my credit report. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
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 XXXXXX/XX/year> Office of the Attorney General of Texas XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Reporting by Experian Dear XXXX XXXX, I am writing to formally dispute inaccuracies present in my credit report as reported by Experian. I have identified discrepancies between the information available on the Experian website and the report I obtained from XXXX. 

Specifically, my account is inaccurately marked as a " charge-off, '' which is incorrect. This misinformation has been on my credit report for over a year and is adversely affecting my creditworthiness. I have not entered into any agreements with third-party companies that may have contributed to this erroneous reporting, and I have no contractual relationship with them. 

Under 15 U.S. Code 1681n, Experian may be liable for willful noncompliance in this matter, as they have obtained and reported my information under false pretenses. I urge your office to investigate this situation, as I have sustained damages due to this inaccurate reporting.

I am attaching copies of my credit reports for your review, which highlight the discrepancies in question. I request that you take the necessary actions to have this account removed from my report immediately.

Thank you for your attention to this matter. I look forward to your prompt response.

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

I tried to use XXXX to transfer money to an acquaintance of mine who submitted a " Send money request '' through Paypal. Somehow when I tried to make a payment, the site has redirected me to XXXX, a Paypal 's affiliate. I never even created a XXXX account in first place. 

XXXX 's website showed that this transaction can not be completed. I contacted XXXX and they said that I violated their User Agreement and that I can appeal the decision. 
I sent an email to XXXX telling them that I would like to appeal this decision but without letting me know what happened and allowing me to explain the situation, they permanently closed my account because one of my recipients has violated their User Agreement. 

If this is their policy, then they need to make sure that if someone has violated their User Agreement, then senders need to be informed about that so they do not inadvertently violate the User Agreement. 

I feel like that I did not do anything wrong. If somebody violated their User Agreement, why does XXXX hold me accountable for something I was not aware of? It was not my choice to knowingly violate their User Agreement. 
I want a more detailed explanation from XXXX. 

Here is their email : Dear XXXX XXXX, Customers may not use XXXX service in violation of XXXX User Agreement or applicable laws, rules or regulations. It is a violation of XXXX User Agreement to use the service for any of the following activities, including but not limited to : sexually-oriented materials or services ; gambling activities ; or commercial transactions that involve tobacco, firearms, prescription drugs, or other controlled substances. 



Additionally, sending money to a recipient who has violated the User Agreement will affect your ability to use XXXX. Based on a thorough review of your transactions and/or your recipients transactions, we have decided to close your XXXX account XXXX 



Our complete User Agreement is available for review on our website. 



Thank you. 



XXXX Customer Compliance Team Thank you! 

Thank you.