23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt has been paid in full plus overpayment. I reached out to them about the balance before it was paid in full because I knew it was incorrect but the did not respond. They also did not correct the issue. 
After I paid the debt in full onths later, they sent me a repayment check for the overpayment amount. However, the check was not able to be deposited bc their account numbers on the check are incorrect. After calling numerous times trying to get information, the account team found sent me a form to sign sayimg they would cut me a new check as long as I signed the form saying I would not try cashing the other check ( mind you it is fraudulent and not able to be cashed or deposited ). I signed and returned the form. 
SINCE I had been dealing with the issue for over 3 weeks I personally went to the office to pick up a new check. The new check they gave me IS ALSO A BAD CHECK!!!! The bank and the agemcy say it is a direct issue with theor account. 
I have since reached out via emails and phone calls. They will not return my calls. I am at a loss of what to do to get funds.
Product: Mortgage

The company currently servicing our mortgage reached out in XX/XX/XXXX to refinance our mortgage due to the low rates, so we agreed. We locked in a rate of 3.125 % on XX/XX/XXXX with NewRez and supplied them with all the upfront requested documentation and eSigned all necessary forms. It is now XX/XX/XXXX and we still have NOT closed on the refinanced loan and they are asking for more documents, and my husband to correct the figures multiple times on the documents provided by NewRez for the refinance ( incorrect escrow figure, property taxes, etc. ). We constantly reached out to the company throughout the multitude of months since starting the process in XXXX and were told various stories about how the loan would be underwriting soon once one more bit of information was verified -- and the information to be verified never was accurate to begin with for our loan. Or, there would be no response and no escalation even after we demanded status updates with set deadline dates for such information. We have lost out on four months of saving {$300.00} a month that the refinance should have secured had it closed at the end of XX/XX/XXXX as it should have closed, and we now can not refinance with an alternate company at the same rate as rates have now increased, and also, the loan office does not get paid until this loan closes so there are multiple parties effected by this company 's gross incompetence.
Product: Checking or savings account

On on XX/XX/year> I communicated with key Bank that I have been scammed they did an investigation and then they said that basically the scam artist provided information proving that they provided a service which they did not. Immediately following this decision I requested a reinvestigation this was about XXXX months ago to this day I have not had word on what the reinvestigation discovered. I called yesterday and they told me I had to wait until they heard back from the merchant and until then my account would sit at the negative {$320.00}. They have been non-responsive unhelpful and as of yesterday I sent corporate all the information that I had already sent them via email just months ago they never reinvestigated my claim.
Product: Student loan

I first filed for a grant and was given a loan instead. When I started making payments I explained that I am on SSI and have very limited income. I am struggling with my choice as a single parent of XXXX XXXX with XXXX I have to decide to pay rent or pay my loan. I owe a little over {$3000.00} and sadly, only make payments when I can if I can. When I make that payment of possible, I then can't get perscriptions, things my daughter needs, or pay other bills such as electricity. I'm not sure if I qualify for any programs that can help students. I have XXXX and this struggle makes it a not more difficult to either pay rent, buy food, or get other necessities needed. I don't know what else to do and need help.
Product: Credit reporting or other personal consumer reports

My Account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Auto Pay. This late payment that is reporting is a resort of systematic error on their end processing my payment. There was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC code 1681 EB. This area has caused severe hard to my reputation, my character, my mode of living into my family! I demand the late payment reported in XX/XX/2021 to be removed. They are not in compliance with the following law 15 USC 1666B requirements set the standards and the guidance for a credit to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 US 1666B ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open and customer credit plan as late for any purpose, unless the credit has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( B ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX. 

I have requested proof that this information was mailed or delivers 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX XXXX and it was never provided. This is unfair, illegal, fraudulent, and equitable to me as a consumer! 

Delete the payments from my consumer reports!
Product: Credit card or prepaid card

Charged late fee when XXXX paid min balance 2 days before due date. ( XXXX, paid > min payment ; XXXX due date, XX/XX/XXXX fraudulently charged {$25.00} late fee and marked as late /missed min. payment. 

Amount XX/XX/XXXX Late fee Other {$25.00} XX/XX/XXXX Payment - thank you Payment - {$230.00} XX/XX/XXXX Payment - thank you Payment - {$130.00} Agent connected You are now chatting with XXXX XXXX. 
Thanks for contacting SoFi, XXXX XXXX! My name is XXXX XXXX Please give me just a moment to pull up your information. I'll be with you shortly. 
why is there a late fee on my card when I paid more than min balance 2 days before due date Are you going to reverse the mark on my account and the charge or do I need to file a report against SoFi with CFPB Due ate the XXXX of every month - paid more than due on the XXXX We are sorry to hear about this is this regarding your SoFi Credit Card? 
yes
Product: Credit card or prepaid card

I ordered 2 items from XXXX I thought these items were tried and true items which are free for doing surveys but XXXX charged my Capital One credit card XXXX. I have talked to XXXX and Capital One and they both say the other one is responsible for the refund meaning XXXX says to contact Capital One and Capital One says to contact XXXX  we have been doing this for about 3 months This was XX/XX/2022.
Product: Debt collection

I do not know of this debt nor this company. They have been contacting my multiple time through email. 15 U.S. Code 1629g.This collection agency bought whatever debt this is for a XXXX on a dollar. This company has no agreement from me. This company has no signature of mines. This is a formal complaint. Validations requested ; Original Contract with my signature that I actually signed for this debt. I want a payment history that I have done with this company. I want the name and the address, and proof that you own this debt ( Purchase Agreement ). 15U.S Code 1629C Cease & Desist. Also, this is in violation of 18 USC 894 " XXXX '' -Collection of extensions of credit by extortionate means- 18 U.S. Code 894 - Collection of extensions of credit by extortionate means U.S. Code Notes ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. ( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the non repayment thereof was punished by extortionate means. ( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and experian has accounts on my credit report thats inaccurate/not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from transition, XXXX, and XXXX that my XXXX XXXX account was late for XXXX, XXXX, & XXXX of 2022 and has a balance of {$41.00}. This is inaccurate information that was reported to all three credit reporting agencies. 

I paid my account balance on XX/XX/2022. Since then, I have not had any activity until unexpected activity in XXXX for a credit of {$41.00} that I am unaware why exists but is showing up as a balance instead of a credit on my credit report ( no activity has occurred since XXXX of 2022, so I have no idea why there is any activity occurring on the account ). 

I disputed it with Transunion, XXXX, and XXXX and the 3 months ( XXXX, XXXX, and XXXX of 2022 ) that it lists late payments were not removed. In addition, it lists now that there is a {$41.00} balance, even though there is no balance, other than a credit, on the account. 

I have never been late and do not have a balance.
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX. XXXX  XXXX XXXX, TX XXXX I HAVE RECEIVED NO RESPONSE AND NO PROOF ON HOW YOU VERIFIED THIS ACCOUNT. ( XXXX XXXX ) YOU ARE REQUIRED BY LAW TO PROVIDE ME WITH PROOF AND RESPONSE. 

NO RESPONSE IS ADMISSION, WHICH MEANS YOU ADMITTED TO NOT VERIFYING THIS DEBIT AFTER ME CHALLENGING IT. 

THE FOLLOWING ACCOUNT WAS VERIFIED BUT NO verification was provided the only information you replied with remains/ your erroneous acts and illegal business practices have ruined my reputation as a consumer and i fully intended to pursue any litigation or taking you to court if this is is not removed or verified 100 % per law. 

Send me proof of how you verified Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX Unverified Account
Product: Money transfer, virtual currency, or money service

This is a follow-up to Complaint Number XXXX, which I submitted on XX/XX/XXXX with XXXX XXXX as the company against which I was filing a complaint. 

I am submitted a new complaint today because it has become evident that Bank of America is the institution at fault. 

On XX/XX/XXXX I initiated an international wire transfer to a friend in the amount of {$5000.00} through my bank, XXXX. XXXX did not send the money to the recipient directly, but instead sent it to Bank of America as an intermediary. One month after the initiated transfer, on XX/XX/XXXX, the recipient still had not received the money. Apparently Bank of America was waiting on XXXX to provide additional information, which XXXX had not provided. Due to the extensive delay, I instructed XXXX to recall the transfer ( on XX/XX/XXXX ) so that I may have the money returned to my account and figure out another way to send it to my friend that did not involve an intermediary. 

The recall was sent 44 days ago, but I still have not received the money back in my account. As of XX/XX/XXXX, my client relations manager at XXXX XXXX ( XXXX XXXX ) reports that XXXX has attempted to reach Bank of America 3 times. The latest attempt to reach Bank of America was on XX/XX/XXXX, to which they still have not responded. 

Interestingly, my contact at Bank of America claims that Bank of America reached out to XXXX on XX/XX/XXXX and has not yet received a response. In summary, both banks report that they are reaching out to the other and have not heard from the other. XXXX has made 3 attempts, and Bank of America has made 1 attempt. 

It is unacceptable that Bank of America has been holding onto my {$5000.00} for over two months. A recall should not take this long and I have reason to believe they are not prioritizing this case to the extent that they should, given the magnitude of the transfer amount and the delay. 

I am requesting that CFPB intervene and urge Bank of America to respond to XXXX 's requests to communicate, so that they can finally return the money to my account.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and found some errors relating to my payment history on some accounts. The credit reporting agencies have the responsibility to report accurate information. I have never been late on ( XXXX XXXX XXXX XXXX. Please investigate these errors and remove the late payments if these can not be verified
Product: Mortgage

XX/XX/18 At a XXXX XXXX tour Ref. # XXXX I was verblily given phalse and misleading statements.That led me to sign a paypal account order I.D . XXXX on my XXXX Contract # XXXX Thay sugested I use my XXXX Credit Card to make purchases and pay my paypal acct. to gain additional pt 's & bonuses. when the visa card did not arrive by the 5th day I made a number of call.s to XXXX XXXX ( sales rep. ) He said he would take care of it, not to worry. when the card came I found I could not get what I was led to believe with the points I was purchasing for two timeshare weeks and XXXX $ plus a maintance fee of XXXX $ a year. I've made numerous calls since then and kept in the dark until today XX/XX/18 XXXX said he could not cancel the contract because of the 7 day limit! 
I certainly believe they took advantage of an XXXX year old man and his wife XXXX XXXX XXXX XXXX
Product: Debt collection

This was sent to a collection agency calling my phone harassing me morning, XXXX and night. This is destroying my credit file. I have a common name and there is a social reported on my credit file that doesn't belong to me.
Product: Vehicle loan or lease

I have had two consecutive car loans with BMO Harris. Upon final payment of both, I was charged additional fees which totaled more than an additional car payment in order to release the title. The only number for a customer service rep is outside of the U.S. ( sounds like XXXX ). When you insist on talking to BMO Harris directly due to the large discrepancy in the pay-off amount, they tell you that they can not help you and then direct you to call an XXXX number which turns out to be bogus. There is no way to get ahold of the bank directly. They have ripped me off on two loans and I vowed to never do business with them again. Meanwhile, I am reading on the internet that this is happening to a lot of other people. They hold your title hostage until you pay these outrageous fees, when all payments and transactions were made ON TIME via online bank transfers. I have each payment record. There should be no late fees or additional interest, but there is no one to complain to or rectify the situation. BMO Harris is an unethical bank that needs to be stopped IMMEDIATELY. They must be garnering XXXX XXXX XXXX in bogus fees and interest. How are consumers supposed to fight this? Every inquiry leads to a deadend.
Product: Credit card or prepaid card

I have a store credit credit card with XXXX issued by Comenity Bank, I have just realized that since XX/XX/2022 they have failed to report my account to the 3 reporting agencies. My account has shown since XXXX of carrying a balance of {$460.00} giving me a 91 % utilization rate on this account when I am at a {$0.00} balance, this has affected my score. 

I have contacted the issuer with no assistance provided.
Product: Credit reporting

I have disputed inaccurate, unverifiable negative information on my credit report with transunion, XXXX, and XXXX. I have not recieved any information on any investigation on the disputes that i have made. If account information was updated the results would reflect on all XXXX bureau 's after a very short time. The same time frame should reflect on deleted accounts. The fair and accurate credit reporting act has been violated by the XXXX credit bureaus by not updating there investigation results upon conclusion of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjusters , LLC and their subsidiary collection, XXXX XXXX XXXX, refuses to show a debt that settled and a closed on my credit report. The debt was settled in XXXX but theyre still showing the account open, and are reporting it as such. XXXX XXXX XXXX Account Manager : XXXX ) sent me a letter stating the issue was officially satisfied, and there was no more money owed on the account but they refuse to update my credit and closed the account.
Product: Mortgage

I 've had a mortgage on a small summer home for about 20 months. In XXXX, they decided to change the loan servicer to what looks like an in-house servicer, Rushmore Loan Managment Services. I have sent in payments, and have reaquested that they change the autopay option I have set up with XXXX XXXX XXXX, from XXXX account to another. I have written them, faxed them, called at least XXXX times. They do not change the account the monthly mortgage is taken from, and as a consequence every month I have to keep the new and old accounts filled with cash, not knowing which they will draw from. I asked our loan broker, XXXX XXXX, to look into it and he has had no success either. 
Calling in takes a long time to ge through to a human, I have done this XXXX times, each time they say it will be taken care of. The last XXXX, XXXX, said there was a record of my letter and fax. They have been 100 % non-responsive and are not allowing me to process my payments as my household moneys permit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX passed away in XXXX and we discovered that XXXX of his bank accounts about which we didn't know was being cleared out by crooks. We resolved that issue and got the money back. The bank suggested we run a credit report on him to discover any other unknown accounts. I did exactly as the XXXX credit unions require, supplying a death certificate and XXXX of Pennsylvania proof of me being executor. I immediately received a credit report from XXXX and spent many hours over XXXX days on the phone with XXXX who had written me that I did not provide the documents. But I had sent the documents and the third representative I spoke with did find the documents on the system and eventually a report was mailed out to me. Unfortunately, Equifax seems to have also lost the required documents I sent to them as I received a letter asking for an order from the probate court showing me as executor or a letter of testamentary. Since I've already sent these documents, I called on XX/XX/2022 and spoke with XXXX ( XXXX ) who told me you were missing a copy of my driver 's license, which was not requested on your website at XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After I pointed that out, he looked further and said they are missing the court order or letter of testamentary, which I also told him I sent. He said to send it again. I asked if I could speak with someone in that department and he said no. I object to having to send this again after I already sent it once and have now received reports from both of Equifax 's competitors. If I send the document again, I will just receive another letter saying they are missing something else.