23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Representative of RightPath/Rushmore , XXXX XXXX, has referenced her own page number XXXX as the section within the HOA Master Policy for XXXX XXXXXXXX XXXX XXXX that justifies her claim that the policy does not provide insurance coverage for the unit number XXXX owned by me. More specifically, XXXX XXXX references section 2 on page 65. This document actually confirms that the proof of insurance provided to RightPath Servicing is sufficient, does cover the interior unit including all fixtures deemed part of the unit as originally installed and offered in the sale of this unit. Section 2 paragraph B clearly explains this. Section 2 of page 65 addresses personal property as the language within section 2 clearly addresses personal property and not what is considered a fixture to the building. 
XXXX XXXX misinterpretation of this section has caused me great financial harm and duress.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a compliant 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This account below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681. 

Account XXXX XXXX XXXX XXXX  Credit Card # 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Mortgage

Navy Federal incorrectly deducted {$2200.00} from the mortgage escrow account on XX/XX/2021, when it tried to make a duplicate XXXX  tax payment. The tax had already been paid by the closing transaction attorney, as described in Navy Federals closing disclosure ( attached, prepaids page 2 ). The XXXX sent the check back to Navy Federal on XX/XX/2021 ( email attached ), but the funds have not been returned to the escrow account.

The incorrect escrow shortfall caused Navy Federal to raise our total mortgage payment by {$210.00} going forward. I contacted customer service about this three times, each time they said they would respond in 10 days but never did. The returned XXXX check should have been voided or cancelled, and the funds returned to our escrow account, and mortgage payment returned the original amount.
Product: Checking or savings account

XXXX XXXX payment for {$6100.00} was drafted from our WFB ( Wells Fargo Bank ) joint checking account ending in XXXX on XX/XX/year>. 
This payment was made 10 days prior to the XXXX due date of XX/XX/year> which would have brought our balance to zero as of XX/XX/year>. 

Payment was made through the Bill Pay feature to the WFB credit card ending in XXXX. 
It is lost and has never posted to our credit card, it remains debited from our joint checking as of XX/XX/year>. 

As a result, we have incurred a finance charge that would have been avoided had the payment been posted on time. And there show a balance due by XX/XX/year>. 
This balance reflects new purchases, merchant credits and a wrongly applied finance charge for the billing period.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXXXXXX ] XXXXXXXX XXXX XXXXXXXX [ XXXX ] XX/XX/year> [ XXXX XXXX. ] [ Credit bureau dispute. ] [ XXXX XXXX XXXXXXXX ] Subject : Dispute of Billing Error - XXXX Dear TransUnion. ], I am writing to formally dispute a billing error on my account, [ XXXX ], in accordance with the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 

On my most recent statement, I believe there is a billing error regarding the amount of $ [ XXXX ]. Specifically, I believe that the charge reflects an extension of credit that was not made, or the amount charged is incorrect. I respectfully request that you investigate this matter and provide me with the necessary documentation to support the charge ( s ) on my account. 

As per the Fair Credit Billing Act, I am providing the following details for your reference : [ XXXX, XXXX ]. 

The reason I believe this is a billing error : payment was never late. 
I would appreciate it if you could correct this error within 30 days of receiving this notice, as required by law. I also request that you provide me with written acknowledgment of your receipt of this dispute and the steps being taken to resolve it. 

Please ensure that any future actions to collect the disputed amount, or any part thereof, are suspended until the matter is resolved. In addition, I request that you provide me with any supporting documentation or clarification that explains why this charge has been applied to my account. 

Thank you for your prompt attention to this matter. I look forward to your response within the time frame specified by law. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and unauthorized inquiries listed below, which have appeared on my credit report due to identity theft. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed promptly from my credit file.

Fraudulent Accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Original notice was given on XX/XX/2021 from Hunter Warfield regarding intent to collect on debt. 

A certified letter was sent on XX/XX/2021 to Hunter Warfield disputing the collection attempt and requesting further verification of the described debt pursuant to 808b of the Fair Debt Collection Practices Act. Return receipt indicates this letter was received on XX/XX/2021. 

From initial communication onwards there was no communication from Hunter Warfield regarding the debt or request to verify the debt. 

On XX/XX/2021 a notification was sent from XXXX  regarding a collections account reflecting on my credit report. In clear violation of the dispute process outlined in 808b, Hunter Warfield reported said debt to XXXX  and caused significant harm to my credit without providing the proper requested verification.
Product: Mortgage

Hi, I worked with a mortgage officer at Lennar after speaking with one of their sales person. 

After we toured a few homes, he ran my credit for a FHA loan for a total {$370000.00} at a 4.99 % ( promotional rate ). 

Once we were pre approved and preparing our purchase agreement, the sales person then said that we can not get the XXXX price and the 4.99 % rate. 

They then explained that I would have to pay XXXX to buy down the rate to 4.99 % or pay the market rate at the then initial agreed upon price of XXXX. 

I have a pre-approval email from Lennar for XXXX at the 4.99 % rate that they refused to offer. Once I explained to them that this is upsetting and completed by acceptable, their mortgage officer was also extremely rude to me and questioned my gender and said that I need to be a man. Not sure what my gender had to do with the application. This was very condescending and discriminatory. 

The XXXX price was never talked about during our initial pre-approval. Even if the XXXX price was talked about it doesnt make sense why they would run the loan at XXXX with 5 % down. The math wouldnt have added up. I feel as if this is a classic bait and switch scam. I would have never applied for the loan at XXXX. 

Lennar dinged my credit simply to waste my time.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFFB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

This is my second time contacting you regarding the same issue with Bank of America milking the corona virus situation to hold around {$3000.00} of my money. 

I purchased 5 airline tickets on XXXX XXXX from XXXX at the same instant for my wife and XXXX kids. The total price for all five tickets was around {$7000.00}. I bought the tickets with my Bank of America credit card back in XXXX. The flights were cancelled and XXXX refunded the tickets, but Bank of America have not refunded all tickets : they refunded 3 tickets on XX/XX/XXXX, and Im still waiting for 2 more refunds. I called them many times, and they are using the COVID-19 excuse. I checked with XXXX XXXX and they confirmed that they refunded all tickets. So the hold up is from Bank of America who are deliberately delaying my 2 other refunds. 

After the first complaint, they emailed me to say that they are working on it. That's it. I still don't have my refunds. The person who emailed me ( listed below ) does not answer her phone, does not email back. I left 3 voice mails and emailed her twice since I got her useless generic response on XXXX. 

XXXX XXXX Resolution Specialist Regulatory Complaints Department XXXX extension XXXX XXXX- XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Cashnetusa along with their affiliate Netcredit processed an application for credit that was not authorized by me. In fact, it was processed as the result of a fraudster who stole my identity. This fraudulent application was apparently processed on XX/XX/23 based on a fraudulent inquiry I discovered in my XXXX report. I have made numerous attempts to contact the company via phone and email and have submitted a police report along with FTC identity theft affidavit. They have refused to respond and it has become abundantly clear that this is simply their tactic of avoidance utilized in their day to day business. It is also clear their intentional conducts to avoid resolving customer issues with identity theft are both harmful to me personally but to consumers as a whole.
Product: Checking or savings account

I have been victimized by two fraudulent mobile deposits made to my Truist Bank Account. I have sent requests to Truist Bank for help and have received no response. They are showing a negative balance on my account of - {$8400.00} because of these two bogus checks deposited to my account followed by a Return Deposit Request. The Return Deposit Requests were placed on Administrative Hold, yet a negative balance appears on my account. I have tried to contact the bank 's XXXX XXXX and placed on hold 3 times for a minimum of three hours each time. I sent an Overnight Express Mail letter to the bank on XX/XX/XXXX which was received by the bank on XX/XX/XXXX. I have yet to receive a response or acknowledgement. In the letter, I gave the bank the information of the perpetrator of this fraudulent activity.. I am XXXX XXXX XXXX, and I need assistance in correcting this fraudulent activity. I opened the account at the request of the perpetrator and deposited XXXX XXXX deposits, XXXX for {$100.00} and another for {$1000.00}. The Truist bank account is in my name, XXXX XXXX XXXX, the last four digits of the account number are XXXX. I can provide you with complete information. The bank is charging me overdraft fees for these XXXX fraudulent deposits and subsequent Return Requests. I have photos of the XXXX fraudulent checks that I can send to you. One was from XXXX XXXX XXXX XXXX made out to me in the amount of {$4500.00}, and the other was from XXXX XXXX XXXX XXXX XXXX in the amount of {$4900.00}. Both of these check deposits were identified by the bank as Fictitious Items.
Product: Mortgage

I refinanced my home and closed on XXXX XXXX. My new lender paid off the previous loan in full on that date to PHH mortgage d/b/a XXXX XXXX. I was supposed to be refunded my escrow amounts totaling over {$9000.00}. Instead for the past several months subsequent to my refinace with a new company I have received delinquency notices for several months from my former lender PHH for payments not owed because the loan was paid off in full with no deficiencies whatsoever. I have spoken with them on numerous occassions and they admit that they received the full pay out on XX/XX/XXXX and could not explain why it had not been applied and the account closed. They assured me that they would send my escrowed funds. It is my understanding that the law requires them to refund my escrowed funds within 20 days. It is now 42 days later and I have yet to receive my refund. When I called they said they applied the pay out on XX/XX/XXXX and not XX/XX/XXXX. That is their own internal mistake and does not justify them not returning my money. 
I believe that I should be paid interest from the date they should have paid me until I receive it and if there are any penalities applicable I request that they be imposed. If the shoe were on the other foot they would charge me late fees plus interest. Most importantly they should expedite my escrowed funds to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a response to a previous complaint submitted regarding my credit report not having a FICO score and showing me as deceased. Transunion is now requesting a copy of my DOB. How does this company operate on a daily basis? TranUnion has my  date of birth and deceased date as the same date XX/XX/XXXX. Are they disputing that I was not born on XX/XX/XXXX. 

Additionally after not having a credit score for so long they decided to give me some random score of XXXX? I don't have any lates, derogatory information and have a lot of accounts with low balances or no balances for the purpose of maintaining a higher score. My FICO with XXXX is XXXX How did Transunion come up with XXXX? Also why are they requesting a proof of DOB?
Product: Debt collection

I was never notified of this debt before it was placed on my credit report. I received no notification of any kind. The first I knew of this debt was when the collection companyplaced it on my credit report. If I had received any notification I could of paid it ( whichI have ) I do not think it is ethical or fair to place something on by credit report without eversending me anything requesting payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my accounts in my credit report, and disputing several accounts for incorrect information, Transunion has now reported all my closed accounts, that were closed within the last XXXXyrs, as having been opened within the last XXXXmonths, up to a year.
Product: Vehicle loan or lease

I set up ACH to automatically make my lease payment on time every month. After XXXX consecutive on time payments, Chase cancelled the ACH without notifying me. When the last lease payment went delinquent, they didnt even attempt to communicate with me in any way no calls, no letters, no Emails, they didnt even send me an invoice! Instead they reported the delinquency to the Consumer Reporting Agencies and ruined my credit. Thats just plain wrong and they shouldnt be able to get away with it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on line with XXXX because of the major each and spoke with their representative on XXXX XXXX, 2017 THEY confirmed my information was included in the widespread breach. Because of this I am filing a complaint against Equifax.
Product: Credit reporting

I dispute the XXXX XXXX XXXX account several times. They continue to collect on a account included in Bk case XXXX chpt XXXX and even fax bk docs from my attorney but the will not update my credit report correctly. Talked to XXXX XXXX a collection rep who stated yes we put your file in bk but still can collect. Which is against the law. I want my trade lines reported accurately per FCRA or delete the file.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed fraudulent accounts and inquires : XXXX XXXX - XXXX XXXX - XXXX XXXX - {$370.00} XXXX XXXX  - XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are accounts that do not belong to me nor have I ever authorized any credit pulls with the below creditors. My information has bee taken and used by someone other than me. Please delete the following accounts as they do not belong to me. Thank you Negative accounts to be removed : XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removed XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XX/XX/XXXX ADDRESSES TO BE DELETED : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Mortgage

I have a loan being serviced by Specialized Loan Servicing. They have caused me innumerable problems, but I will be focusing on just one here.

Sometime during the summer of 2018, SLS send me a form letter informing me that they believed my home was " vacant '. I replied with the proper paperwork informing SLS that my home was indeed being occupied and they had the wrong/incorrect home/address. They started charging me XXXX XXXX " fees '' and other " fees '' for the unoccupied home. I was told, by a supervisor at SLS to contact " XXXX XXXX '' as they were the subcontractor that oversees this type of thing. I called XXXX and spoke with a woman who I can't recall her name., but she verified that my home had been " misidentified '' and that she would start the process of clearing it up. Meanwhile, I spoke with MULTIPLE supervisor at SLS who were antagonistic and hostile toward me suggesting that I was lying about said situation. Not surprised as SLS is a criminal enterprise, but I digress. I finally, after MONTHS, got a supervisor to assist me in this. His name is XXXX. He promised that he wouldn't kick the can down the road, but he did. I reached out to SLS executive XXXX XXXX multiple times to address the issue with NO response. They have been charging my account every month $ XXXX. I need someone to get to the bottom of this. Tired of being ripped off by this corrupt and criminal company.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XXXX XXXX  I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ) operating under the domain XXXX with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains. 
Money was transferred from my BOA account in the total amount of XXXX USD utilizing your services.
Product: Payday loan, title loan, personal loan, or advance loan

The company advertises the same as cash price. They will lend you the money to purchase an item. Then they deduct the amount out of your checking account for the 90 days. I was fine with that, and when I continued seeing the money deducted from my account. I was told that it was just a payment that they take from your account, and you have to pay extra to pay it off before 90 days. After 90 days they charge you 65 % of the loan amount. This is fraudulent. Nowhere in the XXXX should a XXXX rate be legal. What are the payments for, and why take any money out of my account if it is not enough to pay off the loan in 90 days? The payment amount they took out of my account weekly I figured would cover the loan amount in the 90 days. They did not take enough out weekly to allow them to charge this 65 % interest rate. Never did they notify me, and stated the 90 days are near and you will owe the interest 65 % rate. The agreement is deceptive and fraudulent. My original loan was for XXXX, and they were taking out {$83.00} every week. Now because the loan did not get paid off in 90 days. I will have to pay an additional $ XXXX called the company and was given some poor excuse on how they handle the loan. They do not contact you, the advertisement of 90 days same as cash is not clear. The amount they take out of your account not stated that it will not cover you loan an amount. Even if it was 65 % interest amount how can you charge that on a balance that has been decreased from the original amount of the loan. 90 days I would have had a balance of {$600.00} or less. The 65 % will still be an extremely abnormal interest rate. They have the employees in the stores promote this and then customers are scammed into this loan agreement. I could have purchased this on my credit card and never paid that much interest. 
My original Loan was XX/XX/year> Company Flexshopper, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX