23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX I fell behind 1 payment on my mortgage and quickly reached out to SECU to know what options I had as far as repayment plans or extensions. SECU advised after I make 6 continuous payments I would qualify for an extension. I was told to call back after I made the final 6th payment in XXXX so they could process the extension timely. I did just that by calling multiple times and messaging near the end of XXXX and again in the beginning of XXXX. Even with my communication and prompts to process the extension SECU did not process the extension timely causing an additional late charge of over {$47.00}. I had already paid approximately ( 8 ) prior late charges during the required repayment period to qualify for the extension. I even made sure to return the esigned document immediately upon receipt. The first document did not instruct for 1 of the 3 check boxes to be checked, so it had to be resent which the 2nd document did include the required check boxes so I executed properly. This all taking place after SECU paid the incorrect property tax on the lot next to mine, causing me to pay interest, fees and being in danger of county tax levy. SECU 's failure to correctly apply my escrow funds towards the correct property tax caused my escrow shortage which increased my monthly mortgage. SECU needs to improve their extension process and listen to their members when they make efforts to handle this process timely but still are charged a late fee due to SECU dropping the call. The disputed late fee is the XX/XX/XXXX late charge due to SECU not processing the extension timely. Additionally, SECU does does not consistenly provide dual party consent or mini-miranda on their collection calls. I have also experienced SECU not fully authenticating me prior to releasing account specific information. I love my membership with SECU but there needs to be sustainable change in the risk, compliance and governance of SECU.
Product: Checking or savings account

On XX/XX/2022, I was awarded an XXXX  from the CFPB. I procured the equipment in needed to satisfy the XXXX, and wired some money to a legitimate supplier on XX/XX/2022. On XX/XX/2022, I got confirmation that the XXXX was fraudulent and so I filed a police report with my local precinct. Detective XXXX XXXX was put in charge of my case. On XX/XX/XXXX, he informed me that he'd put in a request to reverse my wire transfer. 2 weeks later, on XX/XX/XXXX, I followed up with him to ask about progress. He asked me to follow up with my bank as he didn't have any information. I did as he suggested. In that day, the bank froze my account and asked me to go to a local branch where I could get identified in person so my account could get unfrozen. I have since been to that branch 3 times and I have made numerous calls to the fraud department of Truist Bank and my account is still frozen. This is my business account. My business loan repayments and client payments go through this account. No one is giving me a valid reason why my account is still frozen. I just want to access my funds so I can close my account with this bank.
Product: Debt collection

Received a letter dated XX/XX/XXXX from XXXX XXXX XXXX,XXXX XXXX XXXX, XXXX XXXX SC XXXX who represents JH Portfolio Debt Equities , LLC regarding a XXXX XXXX credit card debt I had no knowledge of and that was expired since it was, according to their letter, from XX/XX/XXXX. The letter indicated that " this is an attempt to collect a debit by a debt collector and any information obtained would be used for that purpose ''. I responded as indicated I must do within 30 days to dispute the validity of the debt. Today, I've ordered my free credit reports to see if they have impacted my credit. They also indicated that even if the statute of limitation for suing me to collect the debt may have expired if " the creditor sues you to collect on this debt, you may be able to prevent the creditor from obtaining a judgment against you ''. This is a scare tactic by this company to try to force me into the payment plan they offered in the letter and, to admit that this debt is my debt so they can reset the timing for the debt in the CREDITOR 's favor and continue their deceptive collection procedures. This is a violation of the Fair Debt Collection Practices Act,15 U.S.C. and these types of collection companies that buy junk debt and threaten the public should be banned from being in operation in the U.S.A.
Product: Credit card

In XXXXXXXX XXXXXXXX, I made a payment of {$60.00} to the company, which cleared my bank on XX/XX/XXXXXXXX XXXX Later I made another payment of {$150.00} and {$350.00}. My bank shows these payments clearing on XX/XX/XXXX and XX/XX/XXXX, respectively. 

My XXXX, XXXX statement from the company shows a balance due of $ XXXX. 

XXXX, XXXX statement shows $ XXXX also. At this point I called the company. I asked for this money to be returned to me as it was clearly an overpayment on my part. I have not been to the store or used this card since the XXXX  of XXXX. It appears the company reversed my payments to charges while they " researched this matter ''. At this time I sent them copies of my bank statements showing the payments being cleared. Suddenly my XXXX statement shows a total balance due of XXXX. A payment due of {$29.00}. Since I was aware of the overpayment I didn't make any payment. The XXXX statement showed a new balance due of {$300.00}, a past due amount of {$29.00} and a total pmt due of {$62.00}. Again I didn't make any payments because of overpayment. 

My XXXX statement shows a balance of $ XXXX. It clearly states on the statement in red lettering " Please do not pay, as of this statement date your account has a credit balance '' Again, I called and asked for the credit to be returned to me. I still have not used the card! I have not received a check for my credit balance. Nor has the money been returned to my checking account. 

My XXXX statement shows a balance due of {$280.00}. I have not used this card for about a year at this point. XXXX statement shows a balance due of {$310.00}.
Product: Debt collection

My medical account was allegedly transferred to a collection company. The medical company says they sent me a letter, but I have not received it. The collection company has refused to provide proof that they have been hired to collect the debt and claim no such proof exists. They have stated I owe more than I do, I've shared the cancelled checks with them showing proof of payments, but they have ( so far ) refused to adjust the amount they claim is due. The medical company agrees with my tally of the amount due but the collection company stands their ground at the higher amount. 

There are incidents of unprofessional phone communications, including talking over my questions and stating they could not speak with me further due to needing to return to XXXX XXXX duties..
Product: Credit reporting, credit repair services, or other personal consumer reports

Professional Debt collection is or has never been my responsibility. This is for apt . belonging to XXXX XXXX since XX/XX/XXXX. I lived there since XXXX as his caregiver only and was never asked nor asked to be added to the lease but was only listed as occupant. I was coerced by apt . office to sign renewal for XXXX on his behalf with me being listed as occupant. XXXX went to XXXX home apt was vacated XX/XX/XXXX. i feel that they thought he would not be getting out of XXXX home tricked me in to " signing lease for and on behalf of XXXX XXXX '' thereby which in fact added me to the lease. I was only an occupant as a live in caregiver for him from XX/XX/XXXX - XX/XX/XXXX, he was the only responsilble person for any and all payments to this apartment. Please remove this derrogatory, incorrect erroneous information from my credit file.
Product: Mortgage

In XXXX of XXXX, I called Navy Federal Credit Union to discuss options for refinancing my home through them. After about a XXXX minute conversation, I supplied the necessary information for the application and was told I would be contacted shortly. Nearly XXXX days later, I contacted the bank to check the status since I never received a a response and was told I had no application. After some searching, the rep located my original application but it was never submitted as complete so I had to complete the application from the beginning. After this I was told I would receive documents to sign in the mail. After a couple weeks with no documents, I contacted Navy Federal Credit Union and was told my window to sign had expired. They sent electronic signatures but never notified me. After requesting new documents sent they still never arrived. I ended up signing electronic documents after requesting a third time. In XXXX of XXXX after not hearing any news and not being able to contact my mortgage processor, I was finally informed I was transfered to a new processor. This involved re-verifying all my in refinance. In XXXX of XXXX I supplied XXXX 's, bank statements and credit reports for myself and my XXXX. A few weeks later I received the first documents to review but the information such as interest rates was not what was promised. I sent it back and informed of the correct information. XXXX I received another electronic form, this time with the correct information and promptly returned it completed. After another couple weeks with no contact I was finally informed that my documents containing sensitive information had expired and would need more current versions. Most important of those being a XXXX  credit history report and moving my closing date yet again. Upon speaking to a supervisor, we agreed on a lower rate for my troubles. Once again, the incorrect information was used and needed correcting. Now, XXXX  days until the projected closing, Navy Federal Credit Union is requesting a XXXX credit check and possibly moving the date due to their negligence. Any attempt to contact my processor is met with resistance and leaving a message generates more excuses than it does responses. I have tried to be patient but they are making lasting negative effects on people 's financial and mental wellbeing.
Product: Debt collection

I do not have debt. I have paid all my bills. The debt that FCO ( Fair Collection & Outsourcing ) is trying to collect is fraudulent. I have paid all my rent and moved out of apartment with all bills paid.
Product: Checking or savings account

My credit card information was hacked on XX/XX/XXXX and {$3400.00} was taken out at Bank of America on XXXX and XXXX in XXXX. They also purchased an item at XXXX XXXX, using my account and installing a payment plan to pay it off ( was notified of this on XX/XX/XXXX by XXXX XXXX. ) Today I was informed that an item/items was purchased at XXXX 's with another payment plan. I cant seem to stop these purchases even when I reported to the FTC.

Please help me, I dont know what else to do besides locking my bank account and changing passwords.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am file a complinat against XXXX XXXX XXXX XXXX for file inaccurat report on my wife and my check account with the number isXXXX a account that we have has over a number of year. a credit agent clarity consumer report agency XXXX XXXX XXXX XXXX XXXX. the infomation that they release to the XXXX XXXX the decline based these factor on unacceptable bank account history and unacceptable bank account acivity. this is a critcal issue in a finacail live '' this a consequence. my wife and i never missed used any bank account please check with XXXX XXXX  agency. there is evidence demonstrate how clarity consumer report agency misrepresent customer account. this information is false and inaccurate that they has. and it need to be correct now. they just get sue for over XXXX XXXX by the government
Product: Credit card or prepaid card

Two unauthorized credit card transactions, one from XX/XX/XXXX XXXXXXXX XXXX in the amount of {$640.00} and the second one from XX/XX/XXXX XXXX WEB UPGRADE in the amount of XXXX are both fraudulent charges I reported to Macy 's XXXX XXXX American Express credit card in XX/XX/XXXX after receiving an automated text message from Macy 's Card Fraud Free DSNB alert system notifying to reply 1 for Yes and 2 for No for an additional {$34.00} fraudulent charge that was about to be posted, which I replay 2 for No. 

I then contacted Macys fraud dispute number at XXXX to report that I have not use the Macys credit card in the month of XX/XX/XXXX at all. Macys customer support canceled the credit card ending in XXXX and issue me another credit card ending in XXXX which I did not received in the mail. The card ending in XXXX was reported as stolen and then Macys sent me a second credit card, ending in XXXX, which I did received, and it is the only Macys credit card I have use AFTER XX/XX/XXXX. 

Instead of XXXX 's deleting, canceling or refunding the two fraudulent credit card transactions, Macys transferred the two fraudulent charge amounts from credit card XXXX to my current credit card ending in XXXX and reposting both fraudulent transactions again with a new transaction date of XX/XX/XXXX. 

I have contacted Macy 's several times about this issue and they refuse to take out the two fraudulent transactions out of my account while currently, the account shows that I need to make a minimum monthly payments for these two unauthorized transactions.
Product: Credit card or prepaid card

I had a Discover card and fell behind on the monthly payments this year due to income decrease. The late payments and past due amounts were posted on my credit report and my credit score was affected. They then posted that the account had been closed. I began receiving nonstop calls to pay. In XXXX on the XXXX XXXX, I received a phone call from them and they offered me a payment plan that would be low interest and {$83.00} for 3 months and it would wipe out most of my balance. They told me to make the first payment of {$83.00} on the XXXX and that I didnt owe another payment until XX/XX/XXXX and thats when the direct deposit payments would be withdrawn from my account. I explained I wasnt sure I would be using that account to make payments every month and they said I can always call in and make the payment. I agreed and gave them access to my XXXX account and made the first payment as scheduled on XX/XX/XXXX. I had explained to them I was trying to repair my credit and I had already paid 1 card off. My payment plan or my payment never has showed up on my credit report. Instead, the day I made the payment, they flagged my account as 150 days late. I called them and they told me to be patient and it will show up. So a month goes by and its still showing the same thing. Then XX/XX/XXXX I get an email from my XXXX account stating my account is overdrawn and when I looked it up, Discover took {$83.00} that I didnt have in my account after the agreement stated that payments wouldnt start until XX/XX/XXXX. I called Discover and spoke to an agent by the name of XXXX, her immediate statement was that my account was in the process to be charged off and that I should contact an Attorney unless I make the past due payment or make payment arrangements. I asked her what is she talking about? I already did all of that and made my first payment in XXXX and that regular payments were not due yet and why did they withdraw money I surely didnt have and ruin my checking account!? I told her they have defaulted on their end of the deal by not updating my credit report, the only part they updated was {$83.00} payments. The rest is flagged 150 days past due and no payments made since XXXX of XXXX. Then they are stating my account is still getting charged off despite my efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was reported a total loss by the insurance company. Monthly payments were made on time. The insurance company paid off estimated value, we paid the difference as we didn't have GAP insurance.

Credit Agencies are showing that there was a 30 day late payment, which has dropped my FICO score 15-17 points. No payments were late.
Product: Mortgage

I have provided a copy of the wire transfer showing that SLS rejected the payment. SLS did not inform me of the rejection of wire tranfer. Account number has been verified as correct there was no reason for SLS to reject the payment. SLS does not have record of rejecting payment but the Free pay wire transfer provided a copy of the rejection from SLS stating wrong account or account closed. The account number is correct.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX I have tried requesting a copy of my credit report over the phone and in writing, I have also tried getting a copy of my credit report from XXXX XXXX XXXX and XXXX, XXXX, and Equifax are refusing to allow me access to my credit report. I am requesting that they send me a copy of my credit report so that I can check the status of any accounts that are on there as there me be fraudulent accounts on my credit report. As a US citizen I am allowed a copy of my credit report, and I am also a allowed a free copy every 30 days
Product: Credit card or prepaid card

My XXXX son received his final compensation from XXXX XXXX, located in XXXX XXXX XXXX, California where he worked part-time while going to high school late XXXX, in the form of a COMDATA Pay Card. 

On XX/XX/XXXX, he checked his balance using an ATM machine and was charged {$3.00}, but was unable to withdraw any funds. He tried 5 different machines on the same day and each time was charged either {$3.00} or {$3.00} for the balance inquiry ( for a total of {$20.00} ). 

He was not informed of such balance inquiry charges by his former employer or COMDATA. 

On XX/XX/XXXX, he withdrew from the card at an ATM machine and was charged {$3.00} on a {$280.00} draw. He told me about the fees and I contacted COMDATA multiple times from mid-XXXX through late XX/XX/XXXX and complained about the charges. Each time, I was told that the credit has been approved but will take 5 to 10 business days to show up on my sons account. The refund was never credited to his account.
Product: Vehicle loan or lease

I had a loan with Wells Fargo. Got in a car crash and car was totaled. The insurance company paid of the remainder of the loan but Well Fargo added fees to the amount which then they sent to collections and have negativaly effected my credit score. They have been hounding me for XXXX yrs to pay a balance that should not exist and have added penalties and other fees to the amount!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not given the opportunity to opt-out under 15 USC6509 of the third-party reporting and I have not provided written consent for this third party to report anything on my report and with the negative information, has caused harm to my well-being stopping me from providing for my family or providing a way of life for my family according to the privacy act of 1974 XXXX information should not have been sold or given to this agency and this is also a HIPPA violation providing my personal medical information. XXXX and XXXX have allowed this agency to report negative information on my report and medical bills are no longer to be reported. I do not consent to any written or verbal agreement in the past and in the future.
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 and 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 redress for the violations on their behalf.
Product: Credit card

I received notice on my credit score service that my Home Depot Citibank card was past due on a {$17.00} balance which had ballooned to {$73.00} in fees. The late and past due bills damaged my credit score. I had never received late notices or billing information from Home Depot or Citibank. This was the XXXX occurrence of the companies required correspondence not reaching me via email, phone or postal mail. A previous similar issue was resolved in XXXX when I informed them that I was not receiving bills. Their representative agreed to waive any additional charges and confirmed my email and mailing addresses so future account correspondence could reach me in a timely manner. This did not happen and I was late and charged for a bill I was n't aware of. 

-XXXX
Product: Debt collection

a derogatory mark was placed on my XXXX and XXXX accounts regarding NTL recovery agency. This company violated my FDCPA rights by failing to 1. Send a 30 day letter to inform me of the debt 2. Also failed to validate debt 3. Failed to provide proof of their ability to collect in my county 4. Placed my account on my credit report. I've brought this issue up regarding my transunion account, however they are still showing up on XXXX and XXXX  accounts.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to dispute the information regarding my account with XXXX XXXX, opened on XX/XX/year>. The report lacks a closed status and payment history, which does not provide an accurate representation of the account. 

Please conduct an investigation and ensure my credit report is updated with accurate information.
Product: Checking or savings account

On XX/XX/XXXX Amazon notified me that Amazon let unauthorized charges hit my debit card. 3 different transactions ( {$510.00}, {$420.00}, {$260.00} ) totaling {$1200.00}. No orders were placed on my behalf, no products delivered, no idea what was ordered or who ordered it, no orders on my app. Just a {$1200.00} charge from Amazon, that's all I know.

I have spent days and hours on the phone with Amazon and Amazon keeps pointing the finger at my bank saying my bank should credit me. I've also spent days and hours on the phone with the bank ( Chase ) and they are saying that what Amazon is saying is untrue. They are saying that because Amazon took the money without an authorization, Amazon must return/refund the money. The bank is stating that because I have many undisputed charges from Amazon, they can not process this as fraud ( I buy alot from Amazon ) Amazon customer service has been completely useless, not resolving the matter and they keep sending me the same canned email response, letting me know that I have to dispute it with the bank over and over again and the bank will credit me and that they have " cleansed '' my amazon account.

Its been over 2 weeks and both companies keep opening and closing their cases and not doing anything except frustrating me. I have called Amazon 6 times from the XX/XX/XXXX to XX/XX/XXXX, I hvae called my bank another 5 times within the dates as well.