23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We refinanced with AIM loan ( closed XXXX of XXXX ), we set up escrow so they would pay our taxes and insurance so we wouldn't need to worry about that. XXXX got a letter from AIM of insurance expired. In XXXX they paid the insurance but shorted the payment and caused a late fee. They did not correct it, I paid the shorted amount of {$180.00} on XXXX. Then they did not pay the premium of {$1100.00} when it was due ( XX/XX/XXXX ), I paid the premium in full to prevent being cancelled, later they paid XXXX XXXX for the premium. They didn't reimburse me for paying it, however they put on my statement that they did on XXXX. I filed a complaint with XXXX  then they responded ( I have the letter for reference if needed ) and then reimbursed me {$1000.00} on XXXX and another check for {$98.00} on XXXX because they shorted me on my reimbursement with the first check. XX/XX/XXXX I contacted XXXX to see if our insurance was paid, it was due on the XXXX. It had not been paid at that point. I checked again on XXXX it still had not been paid so again I had to pay it out of pocket to prevent being cancelled. 
We received notices of cancellation in XXXX, XXXX, XXXX, then in XXXX my insurance agent contacted me saying that if we get cancelled again we will not be reinstated, so I paid our premium to prevent that happening.

AIM always claims that they pay early but nobody ( XXXX or myself ) see a check for way too long for it to have been sent when they say. 
I contacted AIM recently ( forgot to write down the date ), I had received a check for excess escrow money in the amount of {$1000.00} ( not the amount I had paid, so this was not reimbursement ). I was asking for reimbursement, and trying to get escrow cancelled. They broke the contract by not paying the bills when they were due. I was told that to get out of escrow I would have to pay them 2.5 %. I talked to their insurance dept. and was told they can't find any of my records before XXXX of XXXX. I was told that they would call me back the next day ( evening ), I waited by the phone and they never called. I looked at my closing docs. and on page 4 of 5 of the escrow disclosure it states that we can cancel escrow but then we are liable for paying these amounts on our own. It does not say we will be charged any fees for doing that. 
I again contacted them on XXXX because there had been a problem with my payment and I wanted to talk to them about all these issues. I asked to speak to a manager, he was helping someone else and said he would call back by end of the business day. Again I waited, and no call. 
I am now asking for full reimbursement, interest on the unauthorized loans they got from me, loan origination fees like they would charge, late fees for every month they hold my money, and payment for my time going through records and waiting for the calls they promised and didn't fulfill. I also would like the federal government to do a full audit on this company followed by a class action lawsuit. I believe full heartedly that if they are doing this to us they are doing it to thousands if not millions of other clients.
Product: Student loan

The loan servicer Federal Loan Servicing is the most incompetent company I have ever worked with. They have consistently given me the wrong information over the phone, did not send me important information when I was denied XXXX program, delayed communication, suggested that I let my account go delinquent while they processed information, and the list goes on! Their customer service providers gave half-information, told me to wait for weeks, and then I was forced to pay higher than I should have payments due to their incompetence. I want to change loan servicers. Please tell me how! And get rid of Fed Loan Servicing. They are part of the student loan problem! Not the solution!!!!!
Product: Credit card or prepaid card

Dear sir/madam, I had a visa gift card from XXXX store on XXXX XXXX XXXX XXXX. XXXX XXXX, MI XXXX on XX/XX/2019. It should have USD XXXX. After I used it a few times in Michigan and Florida ( later I moved ), card declined at store for not having enough money. Initially, I have not paid much attention. Fortunately, I didn't throw the card away either. I visited the website mentioned on the card and check the balance. I found that I spent little ~ USD XXXX, and rest of the XXXX disappeared. However, balance showed on the webpage ~ XXXX. 
Kroger gave me a case number ( # XXXX ) but never resolved the issue. I waited many many hours wasting my valuable time to speak to multiple representative of visa gift card. I sent them document that I collected from XXXX XXXX XXXX, but still nothing happened. Later I read lot of people lost their money. 
I will appreciate if you kindly help me. Please let me know if you have any question. 
Sincerely, yours XXXX
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 customer financial protection act ( CFPA ). Specifically, Cash App failed to take timely 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 electric fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress of these violations.
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 violates 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 do not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has 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

Investigation did not fix identity theft error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Product: Credit card

XXXX XXXX - Purchased XXXX items from XXXX sellers on Ebay. Checkout with Paypal funded thru Paypal Credit. Only XXXX item crossed out of cart, but received email payment confirmation from Paypal. 
XXXX XXXX - Received Unpaid item notice from Ebay. Contacted Ebay and told the issue was with Paypal. Transferred to Paypal and informed there was a " known issue ''. Assured payments were made and situation would be resolved. 
XXXX XXXX - Items remained in Ebay cart. Contacted some sellers, but Ebay limits number of emails. They have no record of transactions. Called Ebay. Told to have 3 way conversation with Paypal, but Paypal must initiate, so transferred and lft on hold for nearly 2 hours until phone battery died. Attempted email contact with Paypal. Asked them to either verify that the transactions had gone thru and the goods would ship, or refund the {$460.00} back to the credit account so that I might be able to pay off the balance and close the account. Received moronic replies. 
XXXX XXXX - Contacted Paypal after receiving emails from several sellers stating that they had no record of any transaction. Polite CSR, but essentially no help. I can not get my funds back without waiting for the merchandise that is not going to arrive to not arrive and then file a dispute and then wait for that. If I needed my merchandise before that lengthy process, I would have to reorder it and take the risk of receiving XXXX items and being responsible to ship the items back at my own cost. I inform him that I will try again with the sellers to resolve. 
XXXX XXXX - Back on the problem when I detect that Paypal has removed {$54.00} from my personal bank account for one of the sellers that I had been so reassured had been paid thru Paypal credit. This charge does not show up on my paypal account so I again contact Paypal and inform them that I have a serious problem and I need the account ( s ) resolved and closed immediately as funds are disappearing from my bank account without authorization. I was placed on hold for about 20 minutes until the line disconnected. 
Now I am begging for help. Paypal and Ebay have made a huge mess and they blame each other and neither will clean it up while they both have access to my bank accounts and credit cards and I can not get away from them.
Product: Mortgage

This is my second complaint. I thought the first one was resolved, but I went into my account yesterday & I noticed, Loancare took XX/XX/XXXX mortgage payment out of my account on XX/XX/XXXX WITHOUT my permission. I am NOT on an autopay. 

My XXXX payment was already made XXXX, XXXX. My XXXX payment was not due until XX/XX/XXXX. 

The company is LoancareXXXX - # XXXX Attached is the following. 

1 ) my bank statement showing all of my monthly payments. 
2 ) screen shot of Loancares website letting me know that I am up to date and my next payment would be due on XX/XX/XXXX. 
3 ) screen shot of Loancares website now letting me know, my next payment is due XX/XX/XXXX. 
4 ) Loancares payment history. 

If you notice, they reversed some payments and now the dates areXX/XX/XXXXandXX/XX/XXXX. Because they did that, I now have no proof, other than my bank statement, of when the payments were actually made. 

I am beyond stressed and need your help to finally resolve this issue.
Product: Checking or savings account

My identity was stolen. I received a XXXX XXXX card with unemployment benefits in or around XXXX. I did not file for these benefits. I filed fraud complaints with XXXX XXXX, XXXX XXXX, and now you. In the interim I check my ID shield and two accounts have been open in my name with an online bank called XXXX XXXX. I can not reach anyone there to help me close them. 

Please help me stop this and find out who it is. 
XXXX XXXX
Product: Student loan

XX/XX/2017 XXXX XXXX CST I called to ask about options for lowering my payment, being that my wife is out of work and I am taking over all finances. They said I was already in a rate reduction program and that 's as low as they can get it. I asked if I had any other options, we have no health insurance at the moment and my son who has XXXX still needs therapy which will be out of pocket for much of it. They said we can cancel the future automatic payments and it would be a year before I qualify again for a rate reduction. My payment was in the low XXXX 's and it would essentially quadruple. I asked if there were settlement options and they said they can possibly do a 90 % offer, so basically {$25000.00} and some change. I asked if I could counter offer and they would not accept any counter offer unless it was more than their offer, which sounds crazy to me. She wanted to know detailed information where I would be getting the money from. She could not and would not provide me any information on their settlement policy and said the company has no written policy regarding settlements and it was up to their discretion. Talked down to me saying if I ca n't make the monthly payment what makes them think I can get money for a settlement. She refused to submit an offer on my behalf. 100 % would not do it. I tried to offer an amount and she said it was too unreasonable, it was n't at least 90 % of the balance. She said sir we are a business and we are in the business to make money. Literally what she said. By far the rudest, condescending, heartless company I have ever dealt with.
Product: Mortgage

Hello, my mortgage company did not pay my taxes by XX/XX/XXXX even though ther funds were in my escrow account. I paid the taxes on XX/XX/XXXX to avoid the late fees. Now my mortgage company refuses to refund the funds to me. I called XX/XX/XXXX, XX/XX/XXXX, XXXX & XX/XX/XXXX. They tell me that the tax department is working on this issue. No one has called or emailed me from newday mortgage company. There are 3 taxes I need to be reimbursed : {$950.00}, {$1200.00} & {$1200.00}. 

Thank you, XXXX XXXX
Product: Mortgage

XXXX. 
XXXX XXXX. 
Rocket Mortgage XXXX  of these happenings happened between the time of XXXX, and XXXX of XXXX. 


I tried to change insurance. Informed Rocket Mortgage that I would be changing and making payments myself and not through escrow. They got in contact with my insurance company and paid XXXX XXXX dollars without my permission, and with explicit disregard for what I had previously told them not to do, to XXXX XXXX  for a yearly payment of my inusrance. When instead I had already set up a monthly autopayment for my insurance. They sent the XXXX unbeknownst to me to set it up through escrow. Again, without my knowledge, and expressly against my permission. I then called XXXX XXXX to get the money sent back. The receptionist said " okay it'll be reflected soon on their system '' and I left it at that and waited. It'd been a week and I got worried and called Rocket mortgage. They told me that it wasn't through yet, and assured me the refund would reflect in my bank account. It never showed. I called to make a payment so I wouldn't be late on my mortgage, and even paid towards the balance of the escrow in good faith. It still then didn't change. XXXX XXXX has no recollection apparently of where the money is, or went, and if it was meant to be refunded, when I specifically called to get a refund a a month ago. XXXX hasn't reflected any refunds into my account. XXXX XXXX says they don't know where it is, and Rocket Mortgage. The people that started all of this, are trying to absolve themselves of any wrong doing in the first place, and have begun to impact my credit from late payments. I refuse to pay them. Neither company will come forward and admit wrongdoing. I can't afford to pay the extra they want and my mortgage. Now I'm falling behind in my mortgage payments, and taking hits to my credit. I'm actively taking Rocket Mortgage to small claims court as we speak for the damage to my credit. They haven't received payments, when all other parties say that they have. I'm just caught in the middle of multi-XXXX  dollar companies having a fight and am going into debt, and most likely foreclosure, because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 9 accounts on my credit report that do not belong to me I have been disputing these since XX/XX/2020 but I have heard nothing back I have opened an FTC and filled and have a notarized Affidavit for Identity theft and still nothing is being done I have gotten no emails back or dispute results this is my last resort before I open a police report. 
Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Student loan

XXXX XXXX attempting to handle the debt.. attempting to get out of default Im forced to rehabilitate the loan with this company XXXX  .. for college that irony is in XXXX for miss leading in people I was like to Im attempting to try to dispute that yet XXXX  is tagging on additional fees {$6000.00} worth of fees .. they are not giving me the option to try and rehabilitated and when I sent over my tax return to try and do something Im not getting any return calls back and no one answers the phone
Product: Credit reporting or other personal consumer reports

I sent copy of my passport, lease agreement, bank statement and Insurance to my car reflecting my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX with all that a request CONSUMER STATEMENT to read ( Anyone trying to extend credit in my name to call me at ( XXXX ) XXXX ) instead see example XXXX out of XXXX responses from bureaus OBVIOUSLY THEY RECEIVED MY DOCUMENTS on top of all these lyes and frivolous response 's there sending promotional tools to by to get my reports this is a practice well known in your division CFPB which going XXXX XXXX years allowing these companies to operate like this and one reason XXXX turned there corporation into a XXXX so they can continue to bait the consumer for the mighty dollar
Product: Credit card

I am writing to file a complaint against Goldman Sachs regarding the unjustified closure of my Apple Card account. On XX/XX/year>, I received a notification that my Apple Card account was closed due to " a failure to comply with the terms of the Customer Agreement. '' Upon receiving this notice, I immediately contacted Goldman Sachs customer service for clarification. During my phone conversation with their representative, I was informed that the account closure was final and could not be reversed. However, when I inquired about the specific terms that were allegedly violated, the representative was unable to provide any concrete details or reasons for the account closure. This lack of transparency is deeply concerning and unacceptable. 

Issues : Unjustified Account Closure : Goldman Sachs closed my Apple Card account citing " failure to comply with the terms of the Customer Agreement '' without providing any specific details or evidence of non-compliance. 

Lack of Transparency and Communication : Despite my repeated inquiries, Goldman Sachs has failed to provide a clear explanation or justification for the account closure. Their representatives were unable to state which terms of the Customer Agreement were violated. 
Impact : The closure of my Apple Card account has had a significant negative impact on my credit score and financial stability. It has also caused inconvenience and stress due to the sudden and unexplained nature of the action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out 2 pay over time loans from Affrim Inc in XXXX of XXXX. I made several on time payments but encountered trouble when I started experiencing financial difficulties due to loss of employment in XXXX of XXXX. I contacted all of my creditors including Affirm to make them aware of the issue and to work on a payment schedule reflective of my change in income. Representatives for Affirm promised to enroll me into a financial relief program of which I agreed but told them payments would be irregular if they insisted on the full amount. They agreed this was fine and then informed me that these 2 account types did not furnish information to any CRA, and that if they did then the account wouldve appeared on my reports within 30-60 days of the date it was opened which wouldve been approximately XXXX or XXXX. 

So I went forward with this information and tried to formulate how to pay all of my creditors. To my dismay almost immediately I began receiving threatening emails, text messages, and phone calls from Affirm. I called back and was told the previous representative must have been misinformed and no such relief program existed. I was disappointed but still determined to do my best to make payments, which I did. To date I have paid off 90 % of these accounts even tho my financial situation has not improved. To my horror this morning I received an alert from XXXX that 2 accounts from Affirm had been reported 30 days late. Before today no information had been submitted to XXXX regarding either of these accounts. That means that more than 8 months after these accounts were opened Affirm reported negative information on accounts that would not have otherwise been reported to any CRA. To back up this fact I have at least 2 other accounts with Affirm that were successfully paid off in XXXX of XXXX with perfect payment history that still do not appear on my XXXX report more than 14 months after the last successful payment. This proves that Affirm did indeed report this information in an effort to further financially harm me during a period of financial instability and for no other reason. Meaning that if I had never lost my job and had the resources to make the payments on time as I had previously, there wouldve been no impact to my credit score, positive or otherwise because these accounts would never have been reported at all, just as the previous accounts were never reported. 

I am asking CFPB to take enforcement actions against Affirm for violations of my rights under the FCRA and CFPB rules and regulations that prevent creditors and financial institutions from this exact type of fraudulent practices and punitive actions against consumers. 

I have attached XXXX reports from XX/XX/XXXX and XX/XX/XXXX and a screenshot from my Affirm dashboard showing previous loans. You will see one thing that the separate credit reports have in common, a complete lack of reporting for loans that were paid off far in advance of todays date. 2 of those loans are from XXXX but Affirm reported negative information from a current XXXX XXXX  but not the previous positive accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiry show up on my credit from this company. I try getting in contact with this company and they refuse to remove the inquiry from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been dealing with disputing inaccurate information and accounts on my credit file with them for over six months, and still no improvements. When I log into my paid credit file subscription it shows that I have NO collection accounts, and when I call the customer service dispute department, the customer service representative also confirms that I have NO collection accounts on my Equifax credit file. But when I'm applying for credit, it reported me having a list of COLLECTION AGENCIES on my credit file. Please see the attached documents showing the inaccuracies. One document shows that there are NO collections on my credit file but when informed by other creditors, it's reported to them as COLLECTIONS AGENCIES on my credit file. The other documents will show the names of the collection agencies. I've been battling this issue for over six months and want the inaccurate information DELETED from my credit file.