23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I started having issues in XX/XX/XXXX. Loancare sent me a payoff statement with an incorrect amount. After the first cashier check, I did three more attempts to do a payoff but every payment via cashier check or wire transfer had been declined. The amount wasn't applied to my balance and they started to charge me a late fee. I can call 5 times per day and every time get different answers with a promise that everything will be fixed tomorrow. 
After I confirmed with customer service representatives on XX/XX/XXXX the final amount that will satisfy my payoff, I called the bank and arrange the wire transfer I can submit a copy of the bank statement ). My wire transfer has been received the same day and was confirmed by Loancare customer service. I called back the following because hadn't noticed any promised changes on my Loancare account. Cashier check and wire transfer payments were sitting on my mortgage account but never been applied to my balance. Customer service keeps saying the amounts are incorrect. 
Also, auto-draft has been cancelled per Loancare customer service advice because they have received the payoff amount. 
Then, I started getting letter about foreclosure. Customer service told me they never sent me any foreclosure letters and have no idea what I'm talking about, and I have to disregard the XXXX foreclosure letters. So, after several attempts to make a payment, money has never been withdrawn from my account. They keep saying no errors found and they don't know what's going on. I called to foreclosure counsellor and she tried hard but wasn't able to move any further and recommended to file a complaint. 

This is one of the examples calling to Loancare, XX/XX/XXXX. 
Transferred to XXXX with a customer service team Final payments over the phone are not possible and have to be certified or wire and I've already tried both with a payoff quote. 

Payoff amount on payoff quote was in XXXX XXXX XX/XX/XXXX {$450.00} and {$230.00} on XX/XX/XXXX GT XX/XX/XXXX {$350.00} matches the payment received on XX/XX/XXXX and should have been ok. 

XXXX says in his system that it was just a check in the post office box- when it was a wire ( {$15.00} has been paid and shows on my bank statement as a wire transfer ). 

Transferred to and spoke with XXXX - management I explained again to XXXX that this is Loancare 's mistake on how they coded the payment and how do I get past it. She went silent and looked like she was still on the phone for about 7 minutes and then disconnected Called back and spoke with XXXX There are notes on the account regarding payoff and wire She is trying to get XXXX or her supervisor back on the line Spoke with XXXX employee ID # XXXX and explained again XXXX said she has escalated again to a different team that handles unique issues and someone will call in 24-48 hours and XXXX noted the file that it is Loancare 's mistake. 

They've been escalating the issue for the last month dozens of times. I can talk to 4 different people on the same day and get 4 different answers with a promise to call me back tommorow and it never happened.
Product: Checking or savings account

From XX/XX/scrub>XXXX XXXX  until recent date Navy Federal Credit Union has been charging my account overdraft fees after letting transactions go through knowing I have a XXXX balance I contacted them they tell me they would have to get back with me
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment on the actual XXXX day, they still reporting the payment as 30 days late when the payment is made on the actual day, it is not 30 days past due until XXXX XXXX  on the XXXX day.
Product: Debt collection

I received a call from XXXX Santandar at XXXX I was under the impression they are not to call after XXXX my time. It was inconvenient and the man spoke too fast I could n't get his name. 
I was already in bed when he called, thinking it was an emergency from my kids. 
We should n't have to be bothered that late at night.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) Block of Information Resulting from Identity Theft, except as otherwise provide in this section a, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS after the date of receipt by such agency of. 

Please remove the listed items immediately : XXXX # : XXXX XXXX XXXXACCOUNT # : XXXX XXXX XXXX-ACCOUNT # : XXXX
Product: Checking or savings account

My ex ( XXXX XXXX ) stole my information and opened a checking account with Bank of America without my permission.
Product: Credit reporting or other personal consumer reports

Recently. I did an investigation on my credit report and found several items in there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXX. XXXX XXXX XXXX XXXX  - This account is being reported inaccurately. Please remove this from my credit report immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX - This account is being reported inaccurately. Please remove this from my credit report immediately. 

XXXX. XXXX XXXX XXXX XXXX  - This account is being reported inaccurately. Please remove this from my credit report immediately. 

XXXX. XXXX XXXX XXXX XXXX - This account is being reported inaccurately. Please remove this from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated 12-29-2023 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7900.00} XXXX  XXXX Balance : {$7900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

NATIONAL CREDIT ADJUSTERS This letter is my final communication regarding the account XXXX. On XX/XX/2023 I received correspondence from your company saying that you would cease communication and credit reporting until the account was validated. To date, the account has yet to be verified and it has only been removed from XXXX. I am demanding that this account be deleted from XXXX and XXXX immediately. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher. Furthermore, I have requested your method of verification and you have not complied, which is an additional violation. I contacted the original creditor, and they informed me that National Credit Adjust is not the company that XXXX XXXX sold the account to which I previously informed your company. The account was sold to XXXX XXXX then XXXX XXXX. Original documentation bearing my signature for this alleged debt was never presented. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA and FDCPA. Attached is the letter from the original creditor. Remove this account from my credit report within 7 days or I will be suing your company for false credit reporting, negligence, and defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

This fraudulent account has been identified with the original creditor XXXX  XXXX XXXX XXXX as a fraudulent account but has appeared twice on my XXXX  and XXXX  credit report as a new account for an amount of {$110.00} and {$150.00}. This need to removed immediately as this issue has been resolved with the original creditor as fraud.
Product: Credit card

I hope this message finds you well. I am writing to formally address several frustrating issues I have encountered with my Apple Pay virtual account, particularly regarding a recent interest charge of {$190.00}. 

According to the notification I received, this charge was applied because my entire monthly balance for XXXX and XXXX was not paid in full by their due dates. However, I changed my payment plan in XX/XX/year> from full balance of amount due by due date to minimum payment of amount due by due date. Since making this change, I have consistently paid the minimum amount due before the due dates, ensuring that I would not incur any interest charges. 

Additionally, I have experienced significant complications with my Apple Pay transactions while traveling abroad. In a major incident earlier this year, I made a full payment in advance, but the Apple system did not capture it, resulting in a double deduction from my account. When I reached out to Apple Pay support via iMessage, the agent was unable to reverse the second charge and advised me to revoke it through my bank, XXXX. This action caused a hold on all my future early payments, severely impacting my ability to manage my finances. As a consequence, I was stranded abroad without the funds needed to pay my XXXX on time. 

Since switching to the minimum payment plan, I have not received any notifications about interest charges or late payments, as Apple Wallet indicated that my scheduled payments would be skipped if I had already made the minimum payment. This conflicting information has added to my frustration and made it increasingly difficult to manage my finances effectively.

Given the ongoing issues, the unexpected interest charge, and the stress this has caused, I am requesting compensation for the difficulties I have faced while using Apple Pay. This situation is not isolated, and I believe that appropriate action should be taken to address the inconvenience caused.

I look forward to your prompt response to this matter and hope for a resolution that reflects the seriousness of the issues I have encountered.

Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

unauthorized hard inquiry on my report from XXXX XXXX did not authorize this inquiry on my transunion report or the inquiry on experian. Both are from XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear. XXXX legal department, XXXX Legal Department, XXXX Legal Deparment Subject : Formal Dispute regarding Inaccurate information on my credit report I'm writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I'm aware of my rights under the fair credit reporting act and request a thorough investigation into theses inaccuracies, as required by federal law. 
Recently, the consumer financial protection against for its failure to properly investigate consumer bureau filed a lawsuit for its failure against XXXX for its failure to properly investigate consumer disputes and its unlawful practices. These allegations highlight systemic issues that directly undermine consumer protections.
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 these violations. I will include the cash app profile associated with this complaint as an attachment.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I kindly request that you block this information from my credit report within XXXX business days, pursuant to XXXX XXXX of the Fair Credit Reporting Act. 

It is evident that these fraudulent accounts were orchestrated with malicious intent, as they were intended to harm my personal credit and financial well being. If not removed, I will have no choice but to sue for multiple violations under the FCRA and FDCPA in which under XXXX XXXX XXXX Civil Liability will be in effect.
Product: Checking or savings account

I had my debit card stolen an my account obviously hacked on or around XXXX XXXX.i would like all transactions refunded for unauthorized activities an payments : XX/XX/XXXX {$45.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$79.00} XXXX XXXX XX/XX/XXXX missing payment of {$350.00} from XXXX XXXX XX/XX/XXXX {$93.00} XXXX XXXX XXXX XX/XX/XXXX {$65.00} XXXX XXXX XX/XX/XXXX {$65.00} XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX {$43.00} XXXX XXXX XX/XX/XXXX {$19.00} XXXX XXXX XXXX login notification on XXXX XXXX XXXX {$26.00} XXXX  XXXX XX/XX/XXXX {$21.00} XXXX XXXX XX/XX/XXXX {$100.00} XXXX XXXX XX/XX/XXXX {$26.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$26.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$66.00} XXXX XXXX XXXX XXXX All of these are unarthorized transactions on my checking account from a stolen identity an stolen debit card actions.
Product: Mortgage

Ocwen Loan Servicing refuses to cancel private mortgage insurance on our loan, despite a loan-to-value ratio below 30 %. Their justification is an inaccurate, erroreous broker 's price opinion.
Product: Credit card or prepaid card

Problem : On XX/XX/XXXX, I received a text to my cell phone asking to verify a purchase on a Bank of America credit card. ( see attached copy of this text message ) Facts : I do not have a credit card with Bank of America. 
I do not have an account with Bank of America. 
I have never had an account nor credit card with Bank of America. 

Attempted Resolution : I have made Ten attempts to contact Bank of America to resolve this issue. 
I have called all the 1-800 numbers listed on the website of Bank of America , but they are all automated and require a Bank of America account number to proceed with the call. 
I have not been able to communicate with anyone at Bank of America.
Product: Debt collection

Debt was paid Attached documentation XXXX and XXXX fail to investigate or correct
Product: Money transfer, virtual currency, or money service

On the afternoon of XX/XX/, I was bombarded with an insane amount of emails, only to find out later on that this is referred to as e-mail bombing, while something more sinister is happening behind the scenes. Later in the evening I received a text alert from XXXX asking me if I had authorized an {$800.00} payment. I went to my online account and saw that there were in fact several ( XXXX ) unauthorized transactions to XXXX. I immediately called XXXX and informed them as to what was happening. They cancelled the debit card and transferred me to the fraud department. Needless to say my bank account was totally drained and it even went into overdraft. XXXX assured me that they will do their best to investigate and come to a resolution. After a week of waiting and no updates, I called XXXX on the morning of XX/XX/2023. They informed me that they had finished their investigation and that my claim was denied because the payments, all 18, were processed and issued to a third party merchant, in this case, PayPal. XXXX said that I needed to contact PayPal and seek a resolution about getting my funds returned. I called PayPal on three different occasions, each time speaking to different people, and each time I gave them all the information from the XXXX transactions. PayPal kept saying that they can not find the transactions in their system so they can not do anything and that I needed to go back to XXXX. Basically I was being ping-ponged back and forth from PayPal to XXXX and vice-versa. I can not understand why PayPal says that they have no records of the transactions because from all indications PayPal was the recipient of the 18 transactions. In all there were 25 transactions to PayPal at the time when the incident was occurring. Four of those were rejected and three cancelled. While speaking to the last XXXX fraud specialist, I was told that part of their thorough investigation would have been to contact the merchant ( PayPal ) and verify the transactions. When I called PayPal there were none of those 18 transactions in their system? My position now is that my bank account has been wiped out, XXXX tells me that they transferred the money and they have the proof of payment receipts to show it but it seems like the onus is now on me to figure out where it went.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ignored my identity theft statement. They sent me a letter XX/XX/XXXX saying the account is mine someone I know or me has connections to the account. This account is not mine it is fraud. The consumer can only validate an account this is violating my rights. I have my identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602.A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Payday loan

Received a random mailer with a check for {$2000.00} that could be deposited with only a signature endorsement. Loan carried 29 % APR. 

This is predatory lending at its finest. Exact quote from mailer, " So be good to yourself and take advantage of this offer. ''
Product: Mortgage

Contacted BankofAmerica.Reference to Mortgage loan being delinquent. 
Entered into a short forbearance payment plan, to start on XXXX/XXXX/2014 with XXXX for 4 months. This would catch us up to current status at end of XX/XX/2014.Have submitted XXXX pmts of XXXX by transfer of our checking acct, Totaling XXXX to mortgage dept andstatements showing confirmation # Received and posted.to misc.posting But, due date notcorrected.On last pmt. to be made, We contacted BOA due to an emergency, Had to usedlast pmt funds .Come to find out loan xferred to other lender.With info. not being corrected. 
Nationstar working with us on modification of our mortgage loan, but, show us for XXXX pmts past due.Request, to locate funds.Where are our pmts? Even out interest and escrow acctsare wrong.Pls Help.
Product: Debt collection

Midland Credit Management XXXX XXXX XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$250.00}, {$850.00}, {$860.00} I do not have a contract with Midland Credit Management XXXX XXXX, they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX  back XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 16 USC 1681 section 604 A section 2 It also states that a consumer reporting agency can not furnish an account with out my written instructions 15 USC 1666B : a creditor can not treat a payment on a credit card account under an open end credit plan as late for any purpose
Product: Credit card

I am contacting your agency because I need your help in disputing some charges done on my Mastercard At & t Universal credit card by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a all charges done on my card by XXXX charged on XX/XX/2015. They contacted me after I clicked an ad for a " work from home '' business opportunity from an email. They offered me leads, advertising, increase traffic to my website resulting in sales. I never made a penny.They kept saying how important their services were and would bring traffic to my website. I never got any results of their work.I did not get any benefits from it. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with them and get my refund but they ignored my requests.
Product: Vehicle loan or lease

I applied for an auto loan, and the company, XXXX XXXX, tried to FORCE me to PUT my HUSBAND on the LOAN, because I financed a vehicle for him in 2016, I refused several times and was told that they couldn't finance me if I didn't, MIND YOU I COSIGNED FOR him, NOT the OTHER WAY AROUND.