23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I made an extra payment to my mortgage servicer, Green Tree Servicing, on XXXX/XXXX/15. Green Tree applied the correct amount to my current payment, but they did not apply the extra amount, totaling {$360.00}, to reducing the principal. They are essentially sitting on the money, doing nothing with it. I submitted an online inquiry to Green Tree, but only received an automated reply stating that they would get back to me within XXXX days. I also called Green Tree 's customer help line today. I explained the situation to the operator, and she assured me that she would have the {$360.00} applied to reducing the principal. However upon checking the account online this evening, I see that nothing has changed. 

Note that Green Tree 's web site states : " You have two ways to pay additional toward your principal. One, you can choose biweekly payments to pay down your home loan faster. XXXX, even if you choose monthly payments, you can pay extra any month. If we receive a payment larger than the amount due, we apply the additional amount first to any outstanding fees and then to your principal balance. '' However, the operator I spoke with today stated that Green Tree does NOT automatically apply extra funds to reducing principal. 

I see that CFPB and the FTC have fined Green Tree for illegal and unethical practices XXXX. Green Tree acquired my mortgage, which is in good standing with zero late payments in its XXXX year life, from a reputable lender. Green Tree has been difficult to deal with from Day 1. I urge the CFPB and FTC to use your power to steer other lenders, as well as XXXX XXXX and XXXX, away from doing business with this shady operation ( pun intended ). 

Thank you.
Product: Debt collection

Two years ago I was contacted by midland credit about several debts in my name that I hold no knowledge of the accounts were opened shortly after my apartment was broken into in XXXX in XXXX XXXX Ga. I have absolutely no knowledge of these accounts and want this removed from my credit I have disputed these accounts several times with no luck now I am being threatened with a lawsuit for something I know nothing about
Product: Debt collection

I have moved numerous times since XXXX 2015 and only learned of this debt when reviewing my credit report, as well as a notice in 2015 at my parent 's address. I contacted XXXX XXXX XXXX, they stated it was about the equipment and I told them that it was returned since my ex made her own account and received different equipment. I was advised by XXXX XXXX XXXX that the issue had been resolved, my bill would be corrected to {$0.00} and they would contact Southwest to take it off of my account. I continue to receive calls at all times of day and night on my work line and cell phone. My number has been passed to XXXX different numbers. I receive calls from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and other numbers either leaving automated message that leads to no where or no voicemail at all. I receive more than three calls a day on work and cell line. It does n't matter what time of day or weekend. I feel this company is fraudulent and have only read bad news about this company being a ripoff. Please assist, I received three calls on my work line just as I was writing this issue. I feel this is harassment and continue to receive calls that I have to mute my cell phone and screen my work line. I can not work with constant harassment from phone numbers that even when pick up they do not leave message or the call is hung up.
Product: Checking or savings account

On Wednesday XX/XX/2023 I received a call from pnc over a {$1.00} charge to my account flagged as suspicious activity. They had asked if I authorized any charges and I said no. They then suggested a card replacement I asked how long it would take to arrive and they said 3 days and I would receive it by Saturday the XXXX. I said I CAN NOT be without access to my paycheck that is directly deposited into my account on Friday XX/XX/XXXX and that I do not want to do so if there was ANY possibility I would not have access to my money as this would cause severe and permanent damage to my health and living situation. Against my wishes They proceeded to do so. It was not until Saturday I learned my debit card had been deactivated while trying to buy food and get my prescriptions. At this time the banks had closed for the weekend and I was unable to get an XXXX back to my home 10 miles away. They told to go into a branch to get money and I had to tell them that they closed at XXXX on Saturdays. Next they said I can use cash app and link my bank account. After having to WALK 10 miles home and NOT being able to work my scheduled shift when I tried to link it to XXXX XXXX I it turns PNC dose not allow XXXX XXXX to be used. I have asked PNC to reactivate my old debit card and they said they could not do that. Then I asked them to activate my new card and they refused to do so and gave me " other '' options and every one of those would work but it WILL REQUIRE an active debit card. The last option was to use XXXX and I was able to link my account but it still requires the ACTIVE debit card to proceed. I do not have a car I can not just go to a branch. They have no knowledge of requirements to use 3rd apps and have no current options for account holders to have an ability get their money in emergencies situations or even care for that matter. For them to tell me to ask my friends family or neighbors to borrow money when I have it is not only insensitive, it makes me ask what is the point of using a bank if they claim you will always be able to access your money and trust them, but then destroy your quality of life.
Product: Credit reporting or other personal consumer reports

These inquiries have been placed on my credit fraudulently please delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Since XXXX I have been disputing improper accounts on my credit report, I have reported them as not mine and being fraudulent since, not once was Experian or the creditors able to provide me with a contract signed by me with their companies, not once did they provide a contract that proves the accounts belong to me, each time I dispute them, they do not reinvestigate the issues, they provide same responses to the accounts as they have in the past. 
Below are the accounts in question Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent, show proof of a contract with my wet signature Account Name : XXXX XXXX Account Number : XXXX Reason : Account is fraudulent, show proof of a contract with my wet signature Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : Account is fraudulent, show proof of a contract with my wet signature on it Account Name : XXXX Account Number : XXXX Reason : Account is fraudulent, show proof of a contract Experian is the worst when it comes to investigating disputes, they do not take consumer issues to heart nor do they care the improper reporting does to a consumers life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Fund Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments for the DEPT OF ED/XXXX account ending in XXXX. These includes two 90 day late payment posted in XX/XX/2017 and XX/XX/2017. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Checking or savings account

My total checking account ending in XXXX was closed by chase bank on XX/XX/2023. 

I received a notice in the mail, telling me that I would receive any funds remaining in the account after XXXX business days of closure. Its been months and I still havent heard back from Chase. Ive contacted their escalations department and all they told me was that I have to wait and that they have no timeline on when I would receive my money. 

I had a little over XXXX in that account and that is a significant amount of money for me and my family. I dont know what to do.
Product: Debt collection

This company has repeatedly called me, usually within minutes of each other using different numbers. I let them tell me the supposed debt which is false, then I tell them that they can produce original documentation or send it to court and any further attempts to contact me will result in a harassment lawsuit, as soon as I start saying it they hang up wait a few minutes and call again but it's never a live person
Product: Credit card or prepaid card

Robo call XXXX credit card XXXX. I have no credit cards. This call is every few days and cost me minutes on my cell package.
Product: Credit card

XXXX XXXX is charging XXXX $ late fees. This is excessive and should be stopped immediately.
Product: Money transfer, virtual currency, or money service

( 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 proce 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 or other personal consumer reports

Since XX/XX/XXXX, I have been monitoring my credit score through Experian and have noticed that there has been no update or change to my score despite significant financial activities during this period, such as regular payments, credit utilization adjustments, and other relevant factors that typically impact credit reports. 

I expect Experian to resolve this issue promptly by updating my credit score to reflect the most current information and update my score its been too many months that have come and gone and my score is still showing XX/XX/XXXX and we are on the month of XXXX
Product: Checking or savings account

I have not been able to log into my accounts for over 3 weeks. I have called customer support 7 times and have spoken to supervisors 3 times but still can not get an answer to my problem other than this is an ongoing problem with them. Also I went to the local branch to speak to a manager and they were no help and have no answers. I can see a temporary problem due to a software issue but not 3 weeks and no results. Very poor customer service!
Product: Mortgage

I applied for the Florida mortgage assistance fund ( HAF ) and was approved. The letter is attached. It is under the name of XXXX XXXX as he is the resident living in the home. I am the authorized representative. Since XXXX the state of Florida is saying they have sent monthly mortgage payments that Flagstar claims they arent receiving. I have been told by the state that the payments are being sent as one large check and the lender has to credit individual accounts. Despite relaying this to Flagstar, I am being told they have not received any payments. I am being assessed a late fee each month and stuck in a battle between the lender and the state of Florida. Yesterday, I received a notice to escalate. It seems as if the lender is using this to collect late fees. I am aware that the state is sending payments as I know other program participants and have other payments through the program that are being paid.
Product: Credit reporting

the IRS and Minnesota revenue released me from tax liens debts and it was my ex husbands business in which I just signed the tax returns at the end of the year. My name was never on his business. 
I would like the credit bureau to completely removed the tax liens from my credit report since the debt was never mine and the IRS and Minnesota Revenue released me from these debts.
Product: Money transfer, virtual currency, or money service

This company is keeping my funds in their account after I submitted multiple forms of identification and the bank statement and verified the rest of the information with them. Now they arent responding to me and I am no longer able to call them. They are not allowing me to withdrawal {$14000.00} out of my account after they terminated my account and closed it. Please help me resolve this problem.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY has been asked to identify who they are, there is no current contract or previous contract or any business agreement with this company, when ask to verify they refused, please require them according to the law to cease and desist, form contacting private property unless they can show a contract that is made or my property made with them. 
The name XXXX XXXX is own and control by a XXXX XXXX and unless they have been given, authority to contact the owner. Please cease and desist from contacting. 
Supported by the Privacy Act of 1974. 


Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, and XXXX  continue to report false and fraudulent information to my credit report! I've sent multiple letters to each credit bureau pertaining this false information and they have failed to do a proper investigation as per FCRA guidelines! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Debt management called and says there is an over due account balance. Never opened an account.
Product: Credit reporting or other personal consumer reports

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

I HAVE FRAUDULENT NAMES ADDRESSES ON MY CONSUMER REPORT THAT ARE DONE BY FRAUD ACCORDANCE TO 15 USC 6801a PROTECTION OF NON PUBLIC PERSONAL INFORMATION ALSO 6802 OBLIGATION WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION TO USC 1681abc PERMISSIBLE PURPOSES OF CONSUMER REPORTS I NEVER RECEIVED A CERTIFIED LETTER FROM XXXX TRANSUNION XXXX GIVING THEM CONSENT TO FURNISHED THESE FRAUD ITEMS ON MY CONSUMER REPORTS PLEASE VERIFY THE LETTER ACCORDANCE 1681S2 AND SEND IT TO MY CORRECT ADDRESS AND SEND AND UPDATED CREDIT REPORT WITH THE FRAUD NAMES ADDRESSES DELETEDTO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX AND MY XXXX GIVEN NAME IS XXXX XXXX XXXX you are breaking the law twice with 18 usc 1028abc AGGRAVATED IDENTITY THEFT PLEASE DELETE FRAUD NAMES ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THX SIRS MAAMS XXXX BLESS
Product: Mortgage

On XXXX XXXX, 2015, I was scheduled to close on my primary residence home located at XXXX XXXX XXXX, XXXX, NC, as the home is scheduled for a foreclosure sale in XXXX. XXXX XXXX and I signed a purchase agreement for {$100000.00} for this property. The sale proceeds would have paid off my XXXX lien of {$84000.00}, and there would have been {$20000.00} remaining to pay off my XXXX lien. On XXXX XXXX, 2015, GreenTree, LLC verbally informed me that the would accept the remaining funds through short sale to pay off the XXXX lien loan, and take the charge off my credit. I faxed them all documents to complete the short sale transaction. GreenTree did not complete the documentation required for the closing. From XXXX XXXX, 2015 to XXXX XXXX, 2015, myself and the closing attorney 's requests, XXXX, XXXX XXXX XXXX, XXXX called them over XXXX times to complete the transaction. I personally, eft over XXXX messages for them to contact me and the closing attorneys to complete the transaction. DUE TO THEIR NON RESPONSE, THE BUYER WALKED AWAY FROM THE SALE and my home is NOW going to be sold in foreclosure in XXXX 2015. I AM LIVID AND DISGUSTED THAT THIS COMPANY WILLFULLY OBSTRUCTED AND PREVENTED ME FROM SELLING MY HOME. I am entitled to damages. Specifically, request that Green Tree forgive my loan with them and take it off my credit report, and pay off the first lien to XXXX. As such, I am requesting that this agency investigate this matter as Green Tree has violated all consumer mortgage servicing laws.
Product: Prepaid card

I received an American Express gift card for {$500.00} for XXXX. I visited AmexGiftCard.com to confirm the balance. 
I can not use the card at XXXX, I can not use it at XXXX, I can not load it to my XXXX XXXX, and I can not load it to my XXXX app. I can't pay for my XXXX subscription with it. I can not pay for my meal prep services with it ( XXXX XXXX ). 
I called XXXX on XX/XX/2024 at XXXX ET to complain. The person said that they could see that I was declined at XXXX and at XXXX XXXX, and now my total was down to {$490.00}. That was an unfair and unexpected fee to pay for being declined. 
I was told that I need to use the card at a merchant that asks for the CVV. XXXX and XXXX XXXX DO ASK for the CVV. I asked for a list of merchants that would accept this card, and i was told Amex doesn't provide such a list. 
I feel like my boss ( who gave me the card ) was scammed.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2021 I was looking around for rental property and found them on XXXX Was told to fill out an application which they sent me through email. I did fill it out and send it back. The application included my SSN as well as other information. They came back and said we were accepted for the property and that they were missionairies out of town in Ohio and that after I wired over the deposit of {$1000.00} that they would mail me the keys. I thought this was a bit fishy but ok I did so. Then today they sent me the lease to look over and sign. Everything looked on the up and up in the lease so I signed it and sent it back. At this point they asked for the first months rent and an HOA fee of {$1500.00}. This is when it really raised a flag because there was no mention of an HOA fee anywhere in the listing nor on the lease. I then checked out the same property on XXXX and saw that there was a property manager XXXXXXXX XXXX XXXXXXXX. I contacted them and gave them all of this information and they said that the property did not belong to this person and that it was a scam. I should also mention that the wire transfer through Zelle was to be sent to their " son '' a XXXX XXXX phone number ( XXXX ) XXXX. I only sent them the initial amount of {$1000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Money transfer, virtual currency, or money service

I've been a Bank of Americas customer since XXXX, I was very satisfied with the bank until XX/XX/XXXX when the Bank started to tamper with my money transfers abroad to my XXXX XXXX. The wire transfers were prepared online using USD currency, but Bank converted it without my permission in XXXX  currency. The beneficiaries began complaining that they are receiving less than it states in the invoice amount of money and in another currency. I made a complaint which was resolved positively, and I was under the impression that it was just a mistake, even though nobody apologized. However, in XX/XX/XXXX this happened again and in XX/XX/XXXX a Bank of Amerika representative XXXX opened an investigation case # XXXX. Then in XXXX and XX/XX/XXXX the falsification occurred again. I called the bank representative on XX/XX/XXXX and XX/XX/XXXX, and was told by representative XXXX and her supervisor that in all cases it was my mistake because the bank doesn't have access to the wire transfers. They also declined my request for a written response. To date, the bank falsified the transfers 6 times and never reimbursed me even a XXXX. My losses are now {$2600.00}. Below are the tampered transactions : XXXX. Wire transfer of {$11000.00} was sent XX/XX/XXXX to XXXX company XXXX XXXX XXXX XXXX XXXX tampered with the currency and changed it to XXXX  XXXX. I lost {$130.00} XXXX. Wire transfer of {$25000.00} was sent XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXampered with the currency and changed it to XXXX  XXXX. I lost {$860.00} XXXX. Wire transfer of {$68000.00} was sent XX/XX/XXXX to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXampered with the currency and changed it to XXXX XXXX XXXX XXXX XXXX XXXX Wire transfer of {$6800.00} was sent XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I lost {$150.00} XXXX. Wire transfer of {$3100.00} was sent XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXXampered with the currency and changed it to XXXX  XXXX. I lost {$79.00} XXXX. Wire transfer of {$7100.00} was sent XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX tampered with the currency and changed it to XXXX  XXXX. I lost {$170.00}
Product: Checking or savings account

I signed up for Albert several years ago. Since then, my bank ( Simple ) was closed and acquired by XXXX, who then was closed and acquired by XXXXXXXX XXXX Albert will not let me withdraw my funds or close my account without a five-year-old statement ( They are asking for XX/XX/2018 ) from XXXX, with whom , I never had an account. I offered to provide a closing statement for the account, but they refused. The account has {$57.00} in it. 

I would like the account closed and the money from the account provided to me as a check.