23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has refused to fix the late paayment due to never recieving the paperwork not knowing i had a late payment when refinancing with  XXXX  and the company   XXXX    has failed to remove the hit on my credit even though i called and they said the hit to my credit would be removed and sent i the proper paperwork and they said they would remove the delinquent payments due to being sent and sending in the income based deferment an requiring to pay  XXXX  bucks a month when my income is   XXXX    and cant affrord to pay since i have no income due to being sick for over 9 months with the doctors still having no clue with what is wrong even though i called them.     also experian i sent in a dispute and they still havent fixed the issue and the problem ha yet to be reolved
Product: Debt collection

Someone in XXXX Texas apparently opened a utility account ( electricity service ) with my information. I've never live in XXXX TX, and have never opened an account there.. I am in a fact a resident of XXXX Wi. This is a direct and obvious case of Identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report # XXXX Experian I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below are reporting 100 % accurate. However, these accounts are still inaccurate, and Experian is still continuing to report errors on my credit file which is causing damage to my credit score. 

XXXXXXXX XXXX  account # XXXX inaccurate payment history, past due amount on Charge Off {$1200.00} XXXX XXXX  account # XXXX inaccurate payment history I have previously requested that you investigate this information and you have failed to correct these errors, you are reporting on my credit report NOW is not the time to update I demand that you immediately DELETE this information from my credit report.
Product: Debt collection

Received a collection letter in the mail on XX/XX/XXXX in regard to an alleged rent collection account. The supervisor stated that the law is on a case-by-case basis ( not true ). This is not my debt, and this debt went delinquent on XX/XX/XXXX, which makes this debt XXXX + years old and is not mine even though my personal information was usedXXXX XXXX XXXX in Georgia, and the debt came from California. The statute of limitations has run out, and this debt can't be legally collected and placed on my credit report due to the delinquency.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violates Consumer Financial Protection Act ( CFPA ), Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Futhermore, their dispute process were unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E these actions caused significant, Inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Unifin offers a way to negotiate your debt and we had settled on payments of XXXX a month for XXXX  months totaling XXXX to settle the debt of approximately XXXX. After entering your payment information they try to get you to confirm the payment arrangement XXXX more time. However, in the XXXX attempt after putting in your payment information they show the same payment schedule except for the last payment they change it from the agreed upon price to the remaining balance of the XXXX. Hoping people with authorize without noticing that last payment was changed. I backed out of it instead of hitting submit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is account on my credit file that is fraud, XXXX XXXX and Allied Interstate are reporting information to my transunion credit report that is fraud
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES : TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police.

Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has voliated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instructions.
Product: Mortgage

I recieved a notice from XXXX XXXX at the end of XXXX stating that my payment would change. In fact, my payment went from {$810.00} to {$950.00} per month. When I called XXXX and asked XXXX about the change, they replied that it was due to an increase in property taxes. I then called the XXXX of XXXX 's revenue department and was told that the taxes had not increased. I found that yhe previous owner had the XXXX exemption and I was never informed to apply for it. When I alerted Quicken loans to this fact, and informed them that I had applied for the exemption, they told me I should show them the proof that it was applied. I will not know the results until XXXX. In the meantime I am paying the same amount in mortgage payments that I would have been paying had I purchased a home a block over for {$150.00}. I bought my home for XXXX. Also, under the VA XXXX program, I was looking to refinance in order to do some updates on my home. Where other lenders were offering at least {$24000.00}, XXXX would only offer {$4300.00}. Now the invreadr in mortgage prevents me from taking advantage of a VA refinance.
Product: Credit card or prepaid card

I received on XX/XX/2020 a prepaid debt card XXXX XXXX XXXX XXXX from usbankreliacard. I did call the XXXX XXXX XXXX phone number and was told I needed to file this form as this is clearly FRAUD! Someone has stolen my identity and has file unemployment in my name!
Product: Consumer Loan

Dear Mr. or Ms . 
I made the mistake of taking a loan out with this company, I was approved for a {$1000.00} loan, but only borrowed {$470.00}. I was told by the Rep. on the phone that there would be a {$150.00} finance charge, steep, but I agreed. 
What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure not visible at the time I accepted this loan showed an APR of, and this is not a typo either, 849.0116 % and that the total repayment amount for my {$470.00} loan would be a whopping {$2400.00} I had not been informed of the 850 % interest rate on the loan, and I was told there would be a {$150.00} finance charge, not {$2900.00} in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. 
To this date I have paid {$1000.00} for the {$470.00} loan. I think this is far more than enough to cover this and I do n't think I should have to pay anymore. 
I feel like I was totally mis-lead about how much this little loan would cost me. 
Thank you for your time. 
XXXX
Product: Mortgage

I have a mortgage with Wells Fargo, which I have been in default with for several years. My issue with Wells Fargo is that in the early stages of the default, I called the bank and stated that I wanted a modification. In good faith, I sent them 4 payment. They in return sent me a letter stating that they would divide the arrears by 12 and add it to my current monthly mortgage payment. I knew that this was not a modification. I stated to the representative that I could not afford to catch up with the arrears at that time and I wanted a modification. I was told that I should not bother with a modification, because I would not qualify. I was struggling with child support and needed relief. 

The foreclosure started and I could not afford an attorney, so I tried the best I could to defend my rights. Wells Fargo transferred the servicing to XXXX and their attorney 's. 

About 2 months ago, I heard in the news that Wells Fargo set up a fund for loans that they should have modified in 2015, but failed to do. I feel that I am one of those people and deserve an opportunity for a modification. XXXX XXXX XXXX is unwilling, but I feel that they have an obligation to submit, or question Wells Fargo. 

My home has a value of approximately 500,000. The balance  with arrears is XXXX. I have seen mortgage statements of Wells Fargo customers with modifications. I can't understand why I wasn't given the same opportunity. 

Wells Fargo needs to review and do something about this. If they set up a fund, but know that they transferred the serving, what good is that to a consumer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights to be penalized with double jeopardy. Because of this, BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately. 

When the requested above deletions are made, please mail me an updated copy of my credit report : Account XXXX : XXXX XXXX XXXX ACCOUNT # : XXXX Account XXXX : XXXX XXXX  ACCOUNT # : XXXX
Product: Credit reporting or other personal consumer reports

By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within XXXX days. of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX  months.
Product: Vehicle loan or lease

Today ( XX/XX/2020 ) I used Bank of the West 's ( XXXX XXXX subsidiary ) website and used thier online functionality to make a loan payment. This web page has an " upcoming payments and transfers '' section, so I checked that section after scheduling the payment. It did not appear. So I figured I missed a button, and I re-did the payment. Again, it did not appear in the " upcoming payments and transfers '' after completing the process. Then I get two rapid-fire emails on my XXXX account, both in the same minute and both with the exact same text and payment details. Neither had any unique confirmation number so there was no way to tell whether I just got the email twice or if I had completed two payments. So then I called customer service and the first representative stated I'd have to wait until the payments posted to cancel one of them. Then he transferred me to someone else who stated he couldn't see my payments and then he tried to transfer me to another representative, only to disconnect the call. I called back again, the first representative explained that when you use a non-Bank of the West account to pay, the upcoming payments and history pages on the website will not show those payments. Then I was transferred to another department because I insisted that payments work in files that are processed overnight and they must provide a way for me to cancel the extra payment done in error before it processes and comes out of my bank account. The final outcome was that there was no way that they could cancel this extra payment so I have to wait and ask for a refund - or try to stop payment with my bank which is unlikely since I have no transaction code information ; I can't afford for them to take this extra money out of my checking account. Bank of the West needs to have the same functionality that every other bank, credit card company, and frankly even the garbage company has - the ability to schedule and cancel scheduled payments prior to thier processing. And to get a decent confirmation of a payment that has a confirmation code that is unique for every payment. Thier process is confusing and unreliable and confusing. The last agent told me they had updated thier payment website in XX/XX/2020 to no longer use an external biller process to take the payments ; this update to use thier own internal process and website has these gaps in functionality that make it impossible to verify and cancel payments on thier website, or even see the history of payments you've completed on thier site.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my disappointment and frustration regarding the initial attempt made to address the issue of late open accounts associated with my account. 

As a valued customer of your company, I have always appreciated the quality of service and reliability you have provided. However, in recent months, I have encountered challenges with the timely opening of accounts, which has resulted in significant inconvenience and financial strain. 

Upon noticing the occurrence of late open accounts, I promptly reached out to your customer service department in good faith, seeking assistance in resolving the issue. Despite providing detailed information and expressing the urgency of the matter, the response I received was inadequate and failed to provide a satisfactory resolution. 

The lack of prompt action to rectify the late open accounts has not only caused frustration but has also resulted in additional fees and penalties that could have been avoided with timely intervention. Moreover, the delay in addressing this issue has eroded my confidence in your company 's commitment to customer satisfaction and efficient service delivery. 

As a loyal customer, I expect and deserve better treatment when encountering issues such as this. Therefore, I am requesting the following actions be taken to address the shortcomings of the initial attempt to correct the late open accounts : A thorough review of the communication and actions taken in response to my initial complaint to identify areas for improvement. 
Immediate resolution of all outstanding late open accounts associated with my account, including the reversal of any fees and penalties incurred as a result of the delay.

Assurance that measures will be implemented to prevent similar incidents from occurring in the future, including improved communication protocols and proactive monitoring of account statuses. 
A formal apology for the inconvenience and frustration caused by the ineffective handling of this matter. 
I trust that you will treat this complaint with the seriousness it deserves and take proactive steps to address the underlying issues. I value our business relationship and hope that through effective resolution, we can restore trust and confidence in your company 's services. I am asking for your assisstance to correct the late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The NJ State of HAF Assistance funds approved me for mortgage assistance. I am in a active XXXX and need court approval to accept the funds, when the state approved me they originally approved me for XXXX XXXX, which would have paid me through XX/XX/XXXX. But they XXXX court hearing would did not take place until XX/XX/XXXX so they awarded me additional funds to include my XX/XX/XXXX payment meaning I would not make my payments until XX/XX/XXXX. I have included both award letters. M & T bank my mortgage servicer received the funds and misapplied my XX/XX/XXXX payment to my escrow balance which resulted in them sending me an escrow overage check iao {$420.00}. I called M & T bank on many occassions and the XXXX Team confirmed my payments were misapplied but the HAF assistance team there at M & T bank claims the funds were not misapplied and refuse to reverse the funds. I have spoken to several managers and they have told me that they will cancel the escrow refund check and reverse the funds, however every time I contact them they claim HAF Team refuses to reverse the funds they misapplied, they asked me to send both award letters which I have been told to file the complaint with you to have you assist me. The state of NJ and the title company both told me the funds iao XXXX XXXX included my XX/XX/XXXX payment. I would like to make my XX/XX/XXXX payment but I need them to reverse my XXXX funds they applied to escrow and reapply it to my XX/XX/XXXX mortgage payment. Again I would not have a escrow overage if they had not applied my XX/XX/XXXX to my escrow balance in error.
Product: Credit reporting or other personal consumer reports

I have submitted dispute letters in XXXXXXXX XXXX XXXX XXXXXX/XX/year>, and have not received any results. Each time I submit a dispute, they immediately come back as " verified as accurate '' or deem me a XXXX XXXX. I am NOT a credit clinic, and I am the person that is disputing.
Product: Credit card or prepaid card

Amex is refusing to waive my interest charge despite that fact that it's my first month with my new card and I thought I already had auto pay set up.
Product: Vehicle loan or lease

32 years ago in XX/XX/XXXX I bought a new XXXX and took out a XXXX loan for 36 months. NYS DMV issued a title for the car showing the lien. I paid the loan off in XX/XX/XXXX and received a loan satisfaction letter from XXXX. NYS DMV removed the lien from the title and sent me a new clear title. Sometime in the intervening years I lost the clear title. 

A few months ago I paid NYS DMV to issue a replacement title. When I received the title it listed Ally Financial as a lienholder. Ally Financial has been a successor in interest to XXXX since about XX/XX/XXXX. 

Ally Financial can not locate any documents supporting this lien for this 32 year old car. They can't tell me if someone else fraudulently borrow money on my old car. They can't release the lien. As a result, I can't sell the car to  a junk dealer! 

I have no open accounts with Ally Financial. The only identification number I have is the VIN for the XXXX.
Product: Credit card

I applied For a  Chase   XXXX  Rewards Card on  XXXX / XXXX /  XXXX  . It was requested via mobile phone and i was on vacation and out of service. Unbeknownst to me there was a reference number i needed to call to answer more questions regarding my Credit. Since I never saw the first response to my request i resubmitted for the card. After the second request for the card i called in to answer the credit questions per their message. They Claim that on my  XXXX  acct it shows that I have a monthly mortgage of $  XXXX  plus. There was a construction loan for this amount that was closed on  XXXX / XXXX /  XXXX   that was transferred to a mortgage and also a home equity line of credit. I called  XXXX  and they confirmed that their report shows that my monthly obligation is {$2400.00}. I spoke with numerous Chase agents and they maintain that their report reflects the $  XXXX  monthly obligation. Now I do n't even care about the  XXXX   XXXX   XXXX  but    Chase  has hit my credit twice and i do n't think they are reading the credit report correctly.
Product: Credit reporting or other personal consumer reports

I Saw XXXX credit inquiry on my credit profile and I reported it to XXXX, XXXX and XXXX. the company 's told me to report it to FTC and return the report to them for verification to enable them take it off my credit
Product: Mortgage

dear AMWest customer services : Today is XX/XX/year> and I received XXXX delinquent letters from AMwest back dated to XX/XX/XXXX, indicating XX/XX/year> payments for loan XXXX and loan XXXX were not received. I was very shocked and immediately called customer services and made full payments for XXXX and XXXX loan payments for both loans plus over {$1000.00} as interest penalty. 

I have XXXX loans with AMwest, and I always schedule the payments together. on XX/XX/year> I set up the XXXX loan payments, but I accidently use the routing number as the account number. I didn't notice the mistake and today was the first time I received any form of notice of such late payment ie XXXX month later. Your customer services said they called me a few times, I got XXXX scam calls a day and I would not answer any unknow calls and expect voice mail for real call but none voice mail from AMwest. I have changed my email to XXXX  for XXXX  years, and I always got confirmation from XXXX  such as the one below from yesterday payment. However your notification email were sent to my old email at XXXX and I never saw it. and I did not receive any notice XXXX XXXX XXXX 

I was my mistake to use routing number as account number, but it was your gross negligency to not notice me for over a month! I am writing to you to request you to refund $ XXXX interest penalty, and not to report these XXXX late payments to credit agency. If you sent me the email to my current email address, if you left me a voice mail, if you sent me this letter, any XXXX of XXXX at beginning of XXXX, as you should have done, I would have paid these on time. But you didn't do any of these XXXX. 

you did similar thing last year but a little earlier than this time so I was able to pay it before XXXX of the month, but I had to large interest penalty as well for XXXX loans totaling over $ XXXX. 

It seems like you purposely not to notify borrowers of the late payments on time, so you can charge very high interest penalty, in my case over $ XXXX. Both cases were caused by AMwest internationall by not notifying me on time, therefore I am disputing these and request you to refund $ XXXX later interest penalty also requesting you to not report to credit bureau, you are the one caused these late payment on purpose. 

XXXX XXXX