23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a mortgage asking specifically asking for a no ratio loan. the banker XXXX XXXX at amerifund home loans confirmed he could get me such a loan and sent me a term sheet. the term sheet required that i wire him a deposit which i did. After much follow up he came back saying he could only get me a loan if i provided a XXXX XXXX XXXX  statement. I told him that i was unable to. he replied he has another option for me then at much much higher rates and fees which i was not interested in. he then told me my deposit was forfeit and he was keeping my money since i didn't send him the documents he asked for. please help!!!
Product: Vehicle loan or lease

After my car got repossessed, I was left with no secure way to get to and from work. Luckily, I got my student aid around that time and used it to purchase a beater car. When my car got repossessed after missing a few payments to Ford motor credit, I heard nothing from anyone. I wasnt sure that I would ever see my beloved 2018 Ford Fusion again. I put so much work into it and was upset that it had got to this point. I got remote start installed in it, tinted windows, the whole nine yards. I figured that they would reach out to me with what I could do to get it back or at least let me know when the auction was for it but nothing. I didnt find out until much later that they should have told me that I could have gotten my car back and could have been at the auction for it. But at that point my car was long gone. I eventually gave up the hope of getting it back but I got a letter about a year later requesting a balance for {$5600.00}, the first time I heard from them after the repossession, and called them to see what it was regarding. It took me a few tries to get to an actual person but when I did, I was stumped. They told me that it was the remaining balance for my car that they auctioned off. That I didnt know that they did. They didnt even give me a chance to fight for it back when I could have! I put so much extra work into it to make it a perfect car too! Not only did they rip off my chance to get my car back, they are trying to charge me on top of it. I dont even know what to think of this corporation and how corrupt it is. It is clearly not following the laws on this or is really going around them. I hope that nobody else has to go through this but I have no doubt that they do this shady practice with anyone a little late on payments.
Product: Money transfer, virtual currency, or money service

On XXXX, a person using the name XXXX XXXX claimed to be selling XXXX XXXX tickets. She asked me to send {$XXXX} through Paypal Friends and Family.  The paypal name of this person was XXXX XXXX and email was XXXX. I then realized it was a scam and asked her to refund the money. She claimed to have done it, but did not. She eventually admitted it was a scam and I did not receive tickets through email. 
I filed a claim through Paypal 's Resolution Center ; they closed it and will not reverse the payment. The payment is still processing through XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with the alleged student loan servicer Navient and customer service was horrible. They are robbing, badgering my credit with no explanation on an erroneous alleged closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 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 an account without my written instructions
Product: Debt collection

I have tried for months to communicate with a credit card company with holds on the phone for hours, then I will be disconnected. I have no means of communication to settle a charged off account, and I do not wish to file for bankruptcy. My contact information is listed within this complaint. Thank you. XXXX XXXX
Product: Debt collection

Phoenix Financial Services keeps calling me to pay them an added amount to the debt I have already paid to the debt originator, XXXX  of XXXX XXXX XXXX. 
XXXX has posted a XXXX balance on my debt but XXXX wants me to pay them the balance of XXXX $ to them, a different amount than the original debt. 
I sent XXXX a copy of the closed account from XXXX by email, which they requested but they still keep calling for a payment of a " new '' amount.
Product: Credit reporting or other personal consumer reports

This account was opened with XXXX in XX/XX/XXXX as a {$500.00} line of credit. The account was never late, and I complained to the creditor that it wasn't reporting or reflecting my timely payments to the bureaus, and my credit was getting impacted. The creditor explained that they are NOT a bank, and that they use a 3rd party to report and update all payments and credit updates. The process could take up to 30 - 60 days. 
I paid the balance of the account ( {$390.00} ) - in full on XX/XX/XXXX ( {$430.00} ) The account Balance was XXXX. As of today 's date XX/XX/XXXX ... the record in Experian has NOT been updated since XXXX XXXX, and continues to erroniously report a balance of {$390.00}. This afffects my debt-to-income ratio, and thus affects my score. 

I filed disputes in XXXX and XXXX with BOTH the creditor : " XXXX '' as well as with EXPERIAN. Neither accepted responsibility and instead pointed the finger and blamed each other. 
Experian concluded at the end of the XX/XX/XXXX Dispute that the balance is indeed XXXX, and that it was paid in full. ( Based upon my bank statements, and the screenshots from XXXX XXXX own User Portal. ) I asked for the 4th time for Experian to correct my report and back date it to reflect a XXXX balance. They refused stating that wasn't their " process '' and again opened a NEW dispute to verify with XXXX. 

I attempted to escalate the issue to their " Corporate Office '' or " Board of Directors '' a " VP of Customer Care '' or equivelent. The supposed supervisor I spoke with " XXXX '' - claimed he was the highest authority I could speak with ... and that everything stops and ends with him. There was no further or higher authority to go to in order to address this issue. An endless circle. So I am wishing to file suit on both, and I am seeking full damages in accordance with the FCRA.
Product: Credit card

In short, I purchased a round-trip flight ticket on XXXX for a trip from XXXX XXXX XXXXXXXX and back on XXXX XXXX XXXX XXXX The return leg of my trip was summarily canceled by the Airline without any reason or notice. ( the booking was canceled, not the flight. I had to purchase at the check-in counter a new one-way ticket for a seat on the exact same airplane ). I pursued a partial refund ( for the canceled leg ) via XXXX XXXX XXXX XXXX XXXX, however the two companies kept pointing the finger at each other. So I decided to dispute the charge on my credit card, Capital One, directly. I followed their dispute process. At a certain point Capital One asked me to upload evidence to support my claim. I uploaded my cover letter and 5 exhibits supporting my case, including one which was a email from XXXX to XXXX XXXX XXXX asking them to compute the value of the cancelled leg so that my refund could be processed ( in other words, confirmation of the cancelled booking ). Less than 5 minutes after uploading these documents to Capital One 's website, I received an new letter from Capital One stating that they had reviewed my documents and it was insufficient, and that the case was now closed. Clearly no one read a thing!!!
Product: Credit reporting or other personal consumer reports

I am submitting this claim to the CFPB regarding my experience with Navy Federal. I have experienced significant delays in the release of funds, which has led to confusion and false assumptions about my available balance, resulting in declined payments. Additionally, there have been instances where transactions I believed were delayed were later approved on different dates, further complicating my financial situation. These issues have caused considerable problems with making payments on other platforms, negatively impacting my overall financial management.
Product: Credit card

This is a CORRECTED complaint. A previous complaint submitted with mismatched information was XXXX. Previous complaints submitted to the wrong American Express companies were XXXX, XXXX, XXXX, and XXXX. 

I am a customer/consumer of the financial institution American Express National Bank and its subsidiaries/parents/affiliates/etc. 

Title 15 U.S. Code 6801 states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, and that the financial institution shall protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. American Express is a financial institution by definition in this Title, and its failure to abide by privacy laws has both harmed and inconvenienced me as evidenced in Attachments 1 through 4. 

Title 15 U.S. Code 6802 states, ... a financial institution may notdisclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided the consumer a notice that complies with section 6803 of this title. American Express never provided a REASONABLE means to opt out that was CLEAR, CONSPICUOUS, COMPREHENSIBLE, SUCCINCT, and OTHERWISE REQUIRED by 15 U.S. Code 6802, 6803, and 12 CFR 1016.7. 

12 CFR 1016.7 ( h ) states, " A consumer may exercise the right to opt out at any time. I exercise this right, as I was not able to by reasonable means before. American Express does not have my consent to, and shall not, report, share, sell, give, or otherwise transfer my nonpublic personal information, past, present, or future, to a non-affiliated third party or credit reporting agency.
Product: Checking or savings account

I was a loyal customer of  Wells Fargo (    which I foundly remember as  XXXX  ) for almost  XXXX  decades. I had been experiencing some issues with my account being overdrawn and tried to contact  Wells Fargo  on numerous occasions via telephone, on my online account, via email and even in person at the local branch but, to no avail. As a result, my account was closed because of their failure to get back to me in a timely manner to resolve the problem. I relied heavily on my online account with  Wells Fargo  to keep track of my finances and I must say that I have been very inconvenienced by their lack of support in helping me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My phone is XXXX ( carrier is XXXX  ) However this phone # has somehow become ( incorrectly ) associated with a gentleman named XXXX XXXX XXXX, XXXX or XXXX XXXX XXXX, ( it may also be associated with XXXX XXXX XXXX, XXXX, his son ). 

XXXX XXXX XXXX, XXXX 's phone # is XXXX XXXX XXXX XXXX. I have spoken to him and he says that my number should NOT be associated with him. 

After much effort, I found my number linked to Mr XXXX on the website XXXX XXXX @ XXXX XXXX XXXX I contacted XXXX XXXX @ XXXX XXXX XXXX ( XXXX ) and was told they receive their public records information from TransUnion. 

Repeated efforts to reach someone at TransUnion have failed and I have left them numerous messages but have heard nothing. 

I want ALL credit reporting agencies - TransUnion, XXXX, XXXX, XXXX, etc. to remove my phone # from being linked to anyones records other than my own.
Product: Mortgage

This is re : Wells Fargo & their fraudulent business practices!! A short sale & reverse mortgage on a house in NY has been in full contract since XXXX XXXX ; The Broker has had it on the market for sale since XXXX XXXX ; after the owner passed away ; Finally getting highest & best offer. The Executor has accepted the offer & given the Broker authority to take care of everything. The lawyer for the seller & Broker have sent all docs ; executed contract, HUD, proof of funds, letter of intent to Wells approx. ( 17 ) SEVENTEEN times since XX/XX/XXXX!!! -to which Wells has not EVER responded in a timely manner to the Broker ; '' claiming '' they have not received a doc. to a doc has expired & needs to be updated. XX/XX/XXXX- they told the Broker " any day now '' a " letter to close '' should be faxed & mailed to her-to NO avail-to date!!! This is a disgraceful, unjust debacle on their part against a very patient " consumer '' who has already spent well over {$1000.00} to lock in a decent rate from his bank! To boot- they have sent a " notice to foreclose '', which the Executor is not interested in doing- This is a short sale since XX/XX/XXXX!!! As well, Wells Fargo has changed Rep 's on this file ( 7 ) seven times w/ each not knowing what is going on. The inability for this bank to get this done is absurd!! This is a short sale w/ a ready, willing & able family man who has made the highest offer ; waiting since initial offer was put in XXXX XXXX & contract completed XXXX XXXX. To say that the buyer- ( consumer ), lawyers & I, the Broker are furious and irate at the conduct of Wells Fargo 's bad business practices, fraud and lies is an understatement!!! PLEASE get us a " Letter to Close '' on this house which is deteriorating by the month. This is all the buyer has been waiting for ... PLEASE..PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently graduated from college, come to find out that I have fraudulent accounts in my name. 

I have dealt with identity theft for the last 7 years of my life, I have installed all the proper things needed but these banks still open credit in my name for these criminals. 

Under FCRA 615 ( f ). 

I am asking XXXX, TransUnion, and XXXX to CEASE & DESIST all reporting of these fraudulent accounts. 

XXXX XXXX  : {$43000.00} XXXX : {$3200.00} XXXXXXXX XXXX XXXX : {$16000.00} These accounts are the result of identity theft and I attest under perjury that they are the result of identity theft. 

This is a legal request to cease and desist.
Product: Mortgage

I have a property I can no longer afford, I 've been working with my lender in trying to give back ( deed in lieu ) or short sale, at the same time I was served with papers in seeking a REM judgement against me for the property. I have no way to pay for an attorney to review my case & move forward. I 've been so stressed & confused due to the bombardment of request from my lender, I 'm not sure if they know what they 're doing, cause I 'm lost. 

note : we did have to file bankruptcy before on this property once before, discharged XXXX also, due to the mortgage crisis, Mortgage Settlement, we were not offered a loan modification after receiving a settlement check, not sure even if we were at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed a few accounts on my report that I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Collections
Product: Credit reporting or other personal consumer reports

XXXX XXXX  took Me to court for not paying for Charges that was not mine. Judge Rule in My Favorite that The Depth wasn't owe. Yet they have not Remove it And the Company Charge off the Amount
Product: Credit card

I OPENDED A XXXX XXXX FOR MY BUISNESS AROUND 2005. 
FRAUD WAS COMMITTED ON MY CARD A NUMBER OF TIMES. 
THE LAST FRAUDULANT CHARGE WAS MY BREAKING POINT SO I CLOSED MY ACCOUNT WITH THE UNDERSTANDING THAT THE CHARGES WERE TAKEN OFF. NOW I AM APPLYING FOR A LOAN WITH THE BANK AND XXXX CREDIT CARD HAD PUT THIS ON MY CREDIT SCORE REDUCING MY CREDIT SUBSTANSIALY. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion did not have permissible purpose, nor did they have my written instruction. I have attempted to resolve the issue directly with TransUnion. Please see attached certified mail and receipts. According the FCRA, TransUnion violated 2 of my rights : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction
Product: Credit card

I opened a Credit card account with Santander in XXXX and took a Promo Balance Transfer of {$4500.00}. I also did some purchases and keeps on paying all by purchases in full plus any fee and minimum payment on Balance Transfer. According to guidelines, the payments that I am making should be first applied to Fee & Interest then higher APR bucket. But, they apply payments to my Promo Balance transfer which does n't clear my Purchase balance and then apply Interest on my Purchases. 

I would like to explain this based on my XXXX 2016 and XXXX 2016 statements, which I will be attaching. In XXXX, I made {$4500.00} in Balance Transfer, XXXX in Purchases and {$130.00} BT fee and paid {$700.00} in payments even before statement is generated. 

In XXXX 2016, statement I have payments of {$1100.00} which is made before my XXXX Statement Due Date of XXXX XXXX 2016. Based on these payments, my Purchases and Interest & Fees of XXXX XXXX should be cleared and minimum payment on Balance Transfer should be covered. But, since they applied good chunk of payments to Promo Balance Transfer, Purchases are not cleared and it is rolling over and charging me interest on purchases in each statement. 

Now, its an ongoing issue as I am still making payments higher than purchases, but it is not clearing total Purchase balance. I have contacted them multiple times but they just keep on stating there same policy documents. I have even asked for written explanation of methos the payments have been applied, but they have denied it twice asking me to refer to card opening documents. According to me, they are not following there policy of applying payments to higher APR balance.
Product: Payday loan, title loan, or personal loan

I have recently had a death in my immediate family so I have been struggling to pay the loan because i have been paying for funeral arrangements i have talked to XXXX XXXX and her associates from covington credit repeatedly about this situation and arrangements. As i simply did not have the money that month due to the situation. She has repeatedly come to my house at least three times a week speaking to everyone i live with about my debt, which harassment and against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have had an ongoing issue with XXXX XXXX during COVID about reporting erroneous information to the credit bureau ( s ) since  they are aware of this disaster and XXXX told me they would not be reporting payments not received or late. Due to COVID 19 my employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road in XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. XXXX was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XXXX XXXX to get a correct statement on  tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to XXXX. Therefore, XXXX has not received the payoff but were notified and has been updated again last week. XXXX ( AGAIN ) reported a late 30 day payment to XXXX and maybe TransUnion and XXXX as well ( I will have to check ). They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and its impacting my credit score again and this information is not reported correctly by FDCPA  standards.
Product: Debt collection

I was hospitalized until XX/XX/XXXX. XXXX XXXX XXXX was the XXXX  attending and saved my life he sent a bill in XXXX while i was still in t5he hospital. I was discharged on XX/XX/XXXX from hospital. On XXXX I called his office to send a gift basket they never informed me I had a bill outstanding and put me in collections. I never received a bill if I had I would have paid and not given him a review that went viral nor spent XXXX on a gift basket. I want a complete deletion bullseye from my account on XXXX and an apology from the drs office in writing
Product: Money transfer, virtual currency, or money service

on cashapp you can barrow money depending on if you pay back and do direct deposits and I always pay them back after i barrow but I been trying to get in touch with cashapp to let them know my cashapp has been in use by someone else so I havent put the money on there yet cause someone else was using my card and today I paid them back and they didnt let me get my money back which was XXXX $ on cashapp and they didnt say if it was overdue or etc this was gone happen or that was gone happen they didnt say any of that at all so I want my money back and now they took it and not trying to give me my money back at l I did what I was suppose to do. Not to mention how the cashapp was already taking money off my account anyways for the repayment so they still getting over on me I dont appreciate this it says XXXX cause thats when I was suppose to have gave it back but cashapp contact support so bogus they dont get to you right away when you trying to let them know its stuff going on with your account and its under investigation. AGAIN it never said anything about overdue consequences so Im so confused on why I cant get my XXXX back
Product: Checking or savings account

TLDR : Sallie Mae advertises thier CD 's as having an automatic renewal option, when they in fact do not, automatic renewal is mandatory. 

Sallie Mae 's CD website has a MASSIVE checkmark advertising an " Automatic Renewal OPTION '', and above it states " When the set time period is over, you can automatically renew for another term or choose to withdraw your money. '' This heavily implies that you have the option ( defined as 'a thing that is or may be chosen. ' by XXXX ) to not choose automatic renewal, when this is not the case. The FAQ is vague and tiptoes around this as well. I called to fix an issue setting up my account and asked them to clarify about the auto renewal option. I was told by the nice representative that auto renewal is NOT an option, and he even admitted that the wording is poor. He even went as far as to say that it was outright wrong. Upon checking the terms and other sources, automatic renewal is mandatory. This is plain false advertising and needs to be stopped. People who are new to finance ( like me ) are being lied to, it's disappointing as that was one of the main perks that drew me too them.
Product: Debt collection

I am disputing a collection account that has appeared inaccurately on my XXXX XXXX with both XXXX and XXXX. The original debt is tied to XXXX XXXX. 

I currently have an open and active account with XXXX, for which I am making regular monthly payments. See attached, I noticed a {$120.00} collection account listed under Radius Global Solutions on my XXXX report. Upon contacting XXXX, they confirmed that my account had never been sent to collections. 

However, as of today, this incorrect collection has now also appeared on my XXXX report, but for {$120.00}, and under a different XXXX XXXX. I do not understand why this error is continuing to occur, as my XXXX is current and has never been XXXX 

I have already reached out to XXXX, who again confirmed that my XXXX is in good standing. This collection account should not be on my XXXX XXXX as it is inaccurate and damaging to my XXXX XXXX. 

Please help resolve this issue by removing these collection entries from both my XXXX and XXXX credit reports.