23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage servicing complaint against Roundpoint Mortgage Servicing Corporation. XXXX personal complaint with CFPB about Roundpoint in two years. In each incident Roundpoint has failed to cashed mailed payments on timely basis. I strongly suggest the regulating agency that is responsible for conducting audits pay a visit to Roundpoint. Roundpoint failed to return phone call " immediately '' as their voice response system stated. 5 days latter I phoned Roundpoint and waited 1/2 hr. on hold to speak with customer service rep in XXXX TX. Rep. informed me Roundpoint had not received payment and late charge was automatically charged. Rep. offered to take a courtesy ACH payment over the phone, I agreed. I shared past experience with XXXX the personal check that was not received was then cashed on the same day as the day the courtesy ACH payment was made. Rep. did look at my payment history and decided to waive late fee. Seriously this does n't pass the smell test, something potentially bigger then lack of execution between the lockbox services they have outsourced with XXXX and Roundpoints internal IT is happening. The leadership is either aware of the problem or they need to be made aware of the problem or they do n't care, could be the culture of the organization. XXXX XXXX had a saying, its ok to make a mistake because we can all learn from our mistakes but if you commit the same mistake twice your doomed to fail.
Product: Debt collection

I decided to work on my credit report. I saw that Aspen Collections was on it for a debt I thought was taken care of. The company no longer sent me any bills, no longer tried to contact me, since 2010. 
Credit reports shows that it is still in collections. I contacted Transunion directly and filed a dispute. When I was notified that the dispute was resolved I see that the balance trying to be collected had increased from {$200.00} to {$310.00}. What?!! Obviously my attempt to clear this up, backfired. Now what can I do? Is that legal? Why did the amount increase? Help? I have since filed a request for investigation with XXXX XXXX. It appears that absolutely nothing was done.
Product: Money transfer, virtual currency, or money service

I represent two Parties - ( 1 ) Myself trying to pay a payment to a small business - XXXX XXXX XXXX XXXX  - a small not-for-profit dive club ... 
For the last year ( 18 months ) this kind of transactions have been allowed ( within a weekly limit of - I think - {$400.00} ) I am - was used to -using Zelle - " the back door way '' - say when your financial institution ( credit Union - mine is XXXX XXXX does not officially supporting Zelle as an offered service ) does not support - you follow the instructions on the Zelle `` how to pages '' : signup [ with the cell phone app ( XXXX or XXXX XXXX ) and use your ATM card ] - my last attempt was blocked - with the error message - that a back-door Zelle payment ( ATM based ) is not allowed to go to a small business???

This defies the purpose of the whole system???

The second party ( 2 ) is that I am an XXXX XXXX - XXXX XXXX XXXX XXXXl - and pour business do rely on getting the payments - for dues and trips - that are now blocked - see above I do have a detailed writeup - that I hope I can upload - if not please reach out for details
Product: Mortgage

The Money Source ( TMS ) is intentionally misapplied mortgage payments during my XXXX  XXXX bankruptcy. I am only due for the current month of XXXX, and just completed a XXXX XXXX  XXXX bankruptcy last month. TMS collected {$6800.00} for arrears through the XXXX XXXX plan ; however that amount was almost {$2000.00} more than the amount that should have been collected. The post petition arrears were only XXXX plus {$650.00} in fees totaling {$4800.00}. Where is the other {$1900.00} ( {$6800.00} - {$4800.00} ) collected through the XXXX XXXXXXXX trustee? Also, XXXX XXXX XXXX XXXX XXXX ( attorneys representing The Money Source ) filed and withdrew their motion to collect after I submitted documentation showing every payment and that I have not missed a payment since filing for bankruptcy in XXXX. TMS 's attorneys apologized for the mix up, withdrew their complaint, and promised to update their records which they never did ... Also, I filed a previous complaint for a mortgage payment that was misapplied last XXXX or XXXX of XXXX. TMS requires me to speak directly to their bankruptcy department, and that department stated TMS misapplied the payment making it appear I skipped a mortgage payment. I have been trying to get all of these issues resolved since XX/XX/XXXX. Over the past few weeks I have repeatedly contacted TMS for assistance in getting the records updated and each time I am told the ticket will be escalated and someone would call me back, but I never get a call back. Please help...
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX XXXX XXXX and set up a Paypal account through my XXXX website, and successfully linked it to my XXXX bank account in early XX/XX/2018. 

A donation for {$540.00} was processed through my website by Paypal on XX/XX/2018. Paypal 's policy states that they may hold funds for " up to 21 days '', but when I checked with Paypal after 21 days, they said the funds were still on hold and they could not give me a release date. Note that I am not a product or service provider, so there is no legitimate reason I can see why they would withhold funds donated to me. 

It has now been 31 days, and Paypal has still not released my donation, which is creating an issue for my XXXX. When I asked why the funds are being held, Paypal 's tech support chat line said they did not know. 

For all this trouble, Paypal is charging a " processing fee '' of {$15.00}! 

In researching this issue online, it seems that Paypal has done this to other consumers as well, particularly through the XXXX website.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ending in XXXX, another auto loan at XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX Credit cards from XXXX XXXX ending in XXXX, XXXX, XXXX, and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I don't recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
CFPB
Product: Student loan

I graduated medical school in XXXX of XXXX with {$150000.00} of federal student loans through MOHELA. Proactively, before I graduated, I attempted to enroll in the XXXX XXXX XX/XX/XXXX so that I could waive my 6 month grace period and start counting payments towards the XXXX which would qualify me for XXXX loan forgiveness. This application was not processed for unclear reasons and I even attempted to resubmit an IDR plan request XX/XX/XXXX. This was also not processed because allegedly I had to consolidate my loans to " waive '' my new graduate grace period. 

Nonetheless, as such, I went ahead and consolidated my loans and timely applied for XXXX. This application has not been processed since early XX/XX/XXXX and I have accrued more than {$1900.00} in interest while working for a recognized underserved area in Florida as a resident physician. 

According to XXXX XXXX XXXX XXXX If servicers need time to process a borrowers XXXX application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for XXXX  and XXXX forgiveness. If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward XXXX or XXXX until their application is processed. Interest will not accrue in this general forbearance. '' My loans have not been processed for 5+ months and have been actively accruing interest. I expressed this to my mohela representative XX/XX/XXXX while experiencing stress about my incoming loan payment of {$950.00} due on XX/XX/XXXX, and she had no idea about this forbearance policy that I quoted directly from XXXX. 

Myself and several thousand other new physicians will not be able to pay close to XXXX or so dollars per month on our resident physician salaries of ~ $ XXXX. In addition, this same representative stated that she could only place my account under administrative forbearance 3 times ( each 60 day periods ) within a 18 month window. I have already exhausted 2 of my 60 day administrative forbearances. If this is the case, and the injunction and legal proceedings take 6+ months ( which is expected ), I will be ruined financially while working to serve the underserved in one of the counties in XXXX  that have the greatest need for physicians. 

This would be disastrous for myself and every other resident physician that has graduated with student loans. As such, I would like to file a formal complaint so that myself and thousands of other new physicians can be protected from MOHELA 's negligence and active mishandling/misinformation regarding our student loans. Please help. This subset of XXXX graduates who have not been able to enroll in XXXX plans due to mohela 's negligence is experiencing unjust circumstances that need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Truth I have inaccurate information reporting on my XXXX credit report. There is a Wells Fargo Dealer Services account # ( XXXX ), that was disputed and removed by XXXX for inaccurate reporting on XX/XX/2019. However, this account was reinserted on my credit report without sending me a pre-sell or post-sale letter after the repossession. Also this account was deleted from XXXX and XXXX. I have a letter from the creditor ( wells Fargo Dealer Services ) admitting that they are reporting an inaccurate high balance to my XXXX credit report. Furthermore, without my knowledge Wells Fargo 's performed a 1099-c to cancel the alleged debt. In conclusion this debt is cancelled, the account was removed and reinserted to my credit report, the High balance is incorrect and XXXX, XXXX an XXXX report This Wells Fargo account differently. Please hold Wells Fargo and XXXX accountable under The laws of the U.S.C and U.C.C codes and Fair Credit Reporting Act. Please remove this account immediately, otherwise I will exercise my rights under the law for remedy. I've also attached documents proving why this account needs to be removed immediately. Thankyou.
Product: Debt collection

Apple credir card was over paid they call me every week for more money
Product: Debt collection

Hello cfpb : I dispute an account showing on my credit bureaus and Capital One Bank refused to remove the account from my credit files. I have done everything there is under FCRA but no response from them and I was told they sold the account does not belong to me to a attorney and the attorney file sue on me. capital One insist it is my account and refuses to give me any proof the account should be in dispute status and showing documentation the account belong to me a they are claiming it.
Product: Money transfer, virtual currency, or money service

I am writing to formally address concerns regarding Zelles processing of disputes, particularly in light of the current CFPB lawsuit highlighting numbers service issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle have failed to investigate claims adequately. The CFPB findings indicate that Zelle has not only neglected to protect consumers, but has allowed repeat offenders to exploit the system compromising the integrity of the platform and clients alike.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Federal CFPB Complaint # XXXX against XXXX XXXX. 
This Complaint was resolved literally at XXXX XXXX  on the NEXT BUSINESS DAY ( XXXX ) by the Collection Company admitting to the CFPB that the Collection Account in question was NOT my legal responsibility, and this XXXX XXXX Account was to be PERMANENTLY DELETED from my File at ALL Credit Reporting Companies. It was ultimately ONLY DELETED from XXXX on the SAME DAY. It remains on Experian. 
This Complaint Resolution information is VERIFIABLE by CFPB Official Records, which I, XXXX XXXX XXXX, grant CFPB permission to fully release to ALL Companies/ Organizations involved in this Action. 
I have contacted Experian on multiple occasions, totaling in excess of 4 hours of telephone time, giving them the CFPB Result Information & given the lack of action by the Collection Company, trying to have Experian REMOVE the XXXX XXXX  erroneous information as was agreed to by XXXX XXXX with the CFPB. 
Experian REFUSES to do so in violation of Federal Law & Regulations. 
I was treated badly/ rudely by their employees at several levels/ offices, & finally after hours & multiple calls was referred to their Consumer Affairs Office , which did not answer my call. 
Therefore, I file this Federal Complaint, & pray for ALL Federal remedies against Experian for this Breech of Duty on their part in WILLFULLY FAILING to remove KNOWN FALSE information from my Records, & contemptuous treatment of a Consumer for questioning them for so doing. 
I also authorize Public Posting of this Complaint Information on your Official Website in the hope of enlightening other Consumers & potential Business Clients of Experian to their methods of so-called Customer Service , especially since other Credit Reporting Companies responded appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX SENDING MY DRIVER LICNESE AND SOCIAL SECURITY FOR THIS COMPLIANT. 


my information was misused and now i have some fraudulent accounts on my report. 


PLEASE SEE ATTACH DOCUMENTS
Product: Credit card

I do n't know since when American Express has such a horrible customer service, even the supervisor was terrible. I was told that American Express does n't need to be responsible for what their employee told their customers. If that 's the case, then there is no need for anyone who is from American Express and will resolve this case to read the followings. 
Here is the issue. I applied for an American Express Business Platinum card XX/XX/XXXX. I called to apply for that as I 'm not sure if I 'm eligible for the sign up bonus, which was XXXX points after {$20000.00} spending in three months. The representative told me that I 'm totally qualified for the bonus, therefore I applied and got approved. After I received the card and before I started to spend any money on the card, I called to confirm that I will receive the bonus after I spend that much, I got an affirmed answer. That call has a reference ID : XXXX. I would like to ask you to check that voice record. So XXXX American Express employee told me the same thing, I did n't expect the following to happen. After I spent {$20000.00} on my card for my business, I call to inquiry about the points, I was told I 'm not eligible. The first agent told me that I can only get bonus once lifetime. I ca n't believe that an American Express agent is so incompetent to not know their own rule. It 's not a personal card, but business card which is not subject to that same rule. So I asked to speak to a supervisor, that 's when the even more horrible thing happened. The supervisor told me that the previous XXXX agents were wrong ( in a matter of fact, all agents that I talked to were wrong, since the third agent was wrong about business card bonus rule ). She simply told me that I was not eligible for bonus, because I had card 12 days from one year before. She told me the previous agents were wrong, but she is not going to do anything about it. It seems to me that she does n't care about the customer at all! I asked to speak to her manager, she asked me to hold and she will transfer me. But after I hold for 10 minutes, she hang up on me and never call back. I have n't heard anything from American Express since.
Product: Checking or savings account

My wife passed and had accounts with Chime. I notified them of the death and sent all proper documentation. 
They said it would take 10-14 business day to process and refund the money I contact them starting XX/XX/year> and finally they accepted all data XX/XX/year>. it took them 4 days to respond saying they finally accepted the documents. 
Starting XX/XX/XXXX XXXX emailed them every day asking for update on funds return. Finally on XX/XX/XXXX they responded, below is the response. 

" It's me again, XXXX and I am reaching back to you regarding your mother 's closure check. 

I already received an update from our bank partners and it mentioned that they had that check return to them due to an entry error in the address. Rest assured that it has been mailed out again and you should be receiving it in the near future.

My sincerest apologies for the inconvenience and I appreciate your unwavering patience regarding this matter.

First they dont even remember this was my wife and calling her my mother.

Then as of today no funds have been received The amount owed is {$2500.00} USD I have sent a request and it has gone silent and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am 30 days past due on XXXX   XXXX XXXX account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Mortgage

We have not been properly notified about changes to our account. When questioning the changes and trying to get clarity on them, we were instructed to write a letter of dispute. Which we did in XXXX of 2016. We have never received an answer, we call every week. The proper changes to our mortgage have never been updated and we continue to get passed around. They have actually told us not to make a payment because they do n't know what the recalculation payment amount is. Ditech is a fundamentally flawed and fraudulent company and we need outside help as we have exhausted all options with them.
Product: Checking or savings account

Yes my name is XXXX XXXX and I would like to submit a complaint against chime. As of XX/XX/XXXX I had roughly XXXX in my chime spending account. I had been with the bank for over a year but it hasn't come without costs. As of XX/XX/2021 I had XXXX supposedly. 8 days is all it took for my account to be wiped out basically from unauthorized transaction and activity on my account which I had noticed before and tried reaching out to chime several times whenever my money would just disappear from the running balance. They would deny my claim and wouldn't return my funding or even look into it I feel. I have done my part and notified them immediately of this and they have not honored their liscene with Visa and their zero liability promise as I haven't heard anything about my disputes. Furthermore, you can not reach a live customer service representative only email them that's all. I would like to know why I did everything I was supposed to and my bank didn't look out for me as the consumer and didn't listen whenever I communicated with them my concerns. And if Visa is saying zero liability then someone must be getting that reimbursement because it isn't the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
NOT MINE ... 
XXXX XXXXXXXX XXXX  XXXX, FL XXXX-NOT MINE  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, XXXX, FL XXXX NOT MINE
Product: Credit reporting or other personal consumer reports

I contacted your department following my credit report purchase with XXXX on XX/XX/XXXX. Upon reviewing my report, I discovered persistently UNVERIFIABLE information in my personal profile, including INACCURATE, COLLECTIONS, and CHARGE OFF accounts, as well as inquiries. This is disheartening, considering my ongoing subscription with XXXX, monthly report acquisitions, and continuous disputes without tangible resolution. Despite my efforts, your team suggested writing a letter and attaching a copy of the identity theft report ( FTC report # : XXXX ). I want to emphasize my lack of transaction history with the listed accounts below. Thus, I seek your assistance in removing the charged off, inaccurate, and collection accounts and inquiries, along with rectifying the incorrect information in my personal profile. Enclosed in this request are copies of my Utility Bill, Drivers License, and SS ID for verification purposes. Kindly expedite the resolution of this matter. 
Experian : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

As part of negotiating seller credits during my home purchase I arranged for credits to be used towards repairs of the foundation and roof of the house. I asked Navy Federal the best way to handle the seller credits and they said we can add them to the closing statement to pay the contractors after we close. During the closing process, Navy Federal said they found that we had extra seller credit and that we could use it towards something else - buying down the interest rate. I didn't think to question where this came from because we had already had numerous conversations about the credits intended for repairs. We decided to use the " extra '' funds to buy down our rate. As it turns out this was a mistake. Navy Federal admitted they made an error in recording the amounts and relaying incorrect information to us. They refuse to give me any solution to remedy their mistake. It seems predatory and fraudulent from my perspective. They sliced off the credits needed for the repairs of my house to bait me into spending money on their rate buy down. If it's not predatory/fraudulent then its gross incompetence. Either way, I will never trust them again.