23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

XXXX XXXX contact XXXX Westlake Financial account number XXXX The loan was paid off and should of been closed wrongful made a payment to them after loan was paid off and they have not given the money back I have had a law write a demand letter months after the incident happened and still no money I am out {$500.00} and it 's been 5 months I made the payment to westlake call over and over talked to my bank XXXX and they said they could n't help because it was trough my the online bank as a wire transfer I told westlake for the first month they said they did no get the payment I should documentation and they said they would send it. Months later I get a lawyer to write the letter they tell him they sent me the money but nothing
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights XXXX 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

I had XXXX accounts with Affirm that they took direct payments from my bank card. Unfortunately that card had fraudulent charges to it so my bank had to cancel the card. When Affirm tried to take the payment the obvious couldn't, so they sent we a text. A few days later I called and told them what had happened and tried to give them my bank account number and another bank card that I had. They couldn't process either payment. So this process continued for the pass XXXX months, with me call and them saying that it's my bank account and me saying that's impossible I use the accounts on a daily basis and I had to change all the other accounts to either XXXX of the payments I tried to give them. So on XX/XX/XXXX I got an email from experian saying my credit had drop XXXX points, that Affirm said I had late payments. So I called Affirm and asked to speak with a supervisor. About all the times I have called to make payments, and no one can process the payments.My credit that was affected by them saying I have late payments when I tried payments multiple times and how this isn't my fault. She said that she sees the accounts but it says that they are inactive then tried to cancel the cards but couldn't they I said that I can't even log into the app to make payments. Then that's when she said see if you can. So I tired and for the first time it worked so I paid all the accounts off and asked her to undo what the have done to my credit. She said that she would write a form up and send it up the chain of command. To call experian and talk to them. I called them the next day and told them what had happened, so they put a dispute in on all XXXX accounts. The next day I got an email saying that Affirm said that everything was correct and they wouldn't change my credit back.
Product: Mortgage

Our mortgage was transferred by XXXX XXXX XXXX to Carrington Mortgage in XXXX of 2015. It has been a nightmare ever since. First of all, our payments went up {$100.00} because of an " escrow cushion '' they charge. I have never heard of such a thing before. Second and most important, they were calling us nonstop to sell us on an FHA Streamline program. After much persistence we agreed. We agreed under the terms that our loan would be closed in a few weeks. We were also told that we would get a month off from paying. Well it has been almost two months later, and nothing except a headache. We had to make our payment in XX/XX/XXXX, which we were told we would n't have to do. We had to make the payment to avoid any late fees. They kept sending us loan disclosure after loan disclosure to sign. We did this all under the notion that it would be saving us money. Now, the rates have gone up while we could have used another bank to refinance. This has actually cost us money! The loan closing officer kept telling us different stories as to why this process was taking so long. He even told us that the county was lying to us! I have never felt so taken advantage of in my life. Now, we are n't using them and we still have this high payments particularly due to this " escrow cushion ''.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service, unfair practices, and failure to protect consumers, which I believe violate the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.

Specific Issues : 1. Failure to Prevent and Address Fraud : Cash App did not implement timely or effective measures to safeguard my account against fraud, leaving it vulnerable and unprotected.

2. Unfair Dispute Resolution Process : When I attempted to resolve fraudulent transactions on my account, Cash App 's dispute resolution process was unfair and deceptive. They failed to comply with their obligations under the EFTA and Regulation E, including timely investigation and resolution of the dispute.

3. Consumer Harm : As a result of these failures, I experienced significant financial losses, inconvenience, and stress.

Specifally, Cash App failed to take timely and effective measures to prevent and address fraud on thier platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvience and finacial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly where I am shown as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Product: Mortgage

Mortgage company denying me the real estate tax relief granted to me in XXXX CO, VA as a senior homeowner meeting income qualifications. Mortgage company continues to collect taxes into escrow that have been exempted or deferred although officially they recognize the exemption. They deny the deferral as a lien ( which it is not ) and have no appeal process. My equity is about 80 percent and theirs about 20 percent on a XXXX dollar property, and they say the mortgage might not get paid their declining equity portion when the taxes are paid on the sale of the property. They bill on assessments, not on the County information and actual tax bills. County is returning payments and the escrow balance will be increasing for years, outpacing the mortgage. I have a PDF file to attach that gives more detail and references specific documents and texts. File name is XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made a full monthly credit card payment of {$56.00} to Barclays bank. Due to an error, the payment was returned by the bank. 

I was notified by Barclays on XX/XX/XXXX that the payment had been returned. Immediately upon being made aware of the issue I made the full payment. 

On XX/XX/XXXX, I became aware that Barclays had assessed me a {$39.00} returned payment fee and a {$19.00} late fee due to the payment issue. I felt this was unnecessary and excessive given that I corrected the payment issue immediately upon being informed and given that the total fees were {$58.00} on a payment amount of {$56.00} ( over 100 %! ). I called Barclays to request forgiveness and leniency and was informed that they could not waive the fees over the phone but that I could write a letter to their corporate office. 

I wrote the letter explaining the issue and requesting the fee waiver. 

On XX/XX/XXXX, Barclays assessed me an additional {$19.00} late fee. 

On XXXX, I received a response from Barclays confirming receipt of my request for the fee waivers, but that they couldn't complete the request because the request must come from the primary cardholder ( I am the primary, and only, cardholder ). The letter indicated I could call again to have them complete the request. 

On XXXX, I called Barclays to let them know that I was the primary cardholder and to please complete the request. The agent told me that she could waive the late fees but not the returned payment fee. I agreed this would be satisfactory for me, but then she returned and indicated that she could not waive any of the fees. I requested to speak with a supervisor, but after over an hour on the phone, I was told that none were available and that they would call me back regarding Complaint ID XXXX. 

After this conversation, on XXXX, I immediately paid the full balance to avoid the assessment of any additional fees. 

On XXXX, I received a call back from an agent who offered to waive one of the {$19.00} late fees. I indicated that I was appreciative of the offer, but I felt it was still insufficient and I requested again to speak with a supervisor. After waiting for a long time ( again, on the phone for over an hour ), I was told that a supervisor would call me back within 30 to 45 minutes. I never received a call back. 

On XX/XX/XXXX, I again called to indicate that I had not received a call back. The agent apologized for the lack of a call back. After explaining the issue, the agent indicated that they could not waive any of the fees. I again requested to speak with a supervisor and was told that none were available, but that I could get a call back within 5 to 8 business days regarding complaint XXXX. 

This process has been extremely frustrating and unfair. If Barclays would waive half of the {$80.00} in fees they have charged me, I would still feel it was excessive but I would be satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I unfroze my credit report so that a mortgage company, XXXX XXXX XXXX, could submit a credit report request. I unfroze it for 2 days as the mortgage company said they would only need one day to submit the request. 

The next day, the mortgage company reported to me that the Experian was still reporting that my credit was frozen. I called the Experian to verify that my credit report was unfrozen. They asked me a number of questions to verify who I was and then told me that I would have to submit a request in writing since I had failed to answer the questions correctly. They refused to tell me which questions I had answered incorrectly or give me any guidance on how I was supposed to answer the questions. I later found out from contacts with XXXX that I had to give exact amounts in dollars and cents when I was asked for amounts of a bank loan, credit card balance, etc ... Again, this was not explained to me by the Experian representative. 

Since I could not get a letter to Experian before the temporary credit unlock closed, I waited until after my credit report was locked and submitted a new request to unlock my credit report from XX/XX/19 to XX/XX/19 as the mortgage company told me that they would have to submit a second credit report right before closing and I didn't want to go through any last minute issues with the Experian just before closing. Again, I received notification from Experian that my credit report had been unfrozen and, again, the mortgage company reported that the credit report was still locked. I tried calling Experian again but this time, after I put in my SSN, I received a pre-recorded notice that I had to submit my request in writing including my SSN, personal PIN, addresses for the last two years, DOB, a photo copy of my drivers license, and utility bills or bank statements addressed to my current address, and my two last bank or utility statements. I was also informed that Experian would not respond back to my mail request " for security reasons ''. 

Since I am trying to find out why they are not unfreezing my credit report as they reported they had, their lack of response to my letter is completely unacceptable. How am I supposed to know if they have fixed the issue or not? When am I supposed to tell the mortgage company to try again?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been intentionally altering my credit report to reflex negatively when I dispute an account. I have sent an identity theft report, a police report and several disputes. Experian has violated my FCRA rights as a consumer several times. I have sent several demand letter and they have refused to correct my credit report. A fraudulent credit card by XXXX XXXX XXXX XXXX was placed on my credit after gaining access to my file after Experian and mixed my credit file with someones elses. I called the creditor to explain the situation and close the account. After the account closure I began seeing several late payments pop up and the reporting data is inaccurate and suspicious because that information isnt being reported on other credit reports. These are malicious acts from Experian. I started to notice I would get emails from Experian stating I needed to send more documentation but I had already sent those forms or if sent a police report the email would state they need the full report which it was. The last time I contacted Experian I asked when will my dispute be completed they informed that day was day 1. Then I asked about why do I keep getting emails about uploading documents I already sent to the customer service person informed that every time I upload documentation my dispute starts over. So I realize it was a tactic Experian is using. Experian has refused to remove the inaccuracies, I requested proof of debt which they cant provide, there actions are malicious and intentionally. They just reported the account as 90 days late but it they also reported the account 30 days late 3 times, then 60 days then 90 days. It changed from 30 day, 60 days to what being reported now. I have informed Experian that if they continued these tactics I would seek monetary damages in Federal court. I included my XXXX report to show that it was reported by XXXX XXXX that my financial responsibility has been terminated and there is no longer a balance. I also forwarded that information to Experian and they still continue to report inaccuracies on my credit report. 

Im addition XXXX has failed to even dispute my claims. They were sent certified dispute at the same time as Experian. XXXX doesnt allow me access to my credit report directly through there site. I also attached proof of certified mail regarding my dispute which included a detailed dispute a copy of my Drivers License, SS card and police report.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code1681i ( 5 ) Treatment of inaccurate or un, verifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please Remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

All correspondence is saved emails, vmail, and texts which can be uploaded when requested. 

XX/XX/2021, TCF rep offered competitive terms. I asked to lock rate. We discontinued working with two other home mortgage lenders whose terms were close, but not as good. 

XX/XX/2021, my wife and I signed rate lock form, and uploaded all supporting materials required. 
XX/XX/2021, TCF retroactively unchecked the rate lock box on the DocuSign document, lost supporting documents, and repeatedly asked us to resubmit, which we did. 
XX/XX/2021, TCF filed an exemption on our behalf to retrieve their prior terms. 
XX/XX/2021, TCF approved exemption, but at a higher rate with altered/worse terms. 
XX/XX/2021, we relented to the new agreement, signed the DocuSign to finalize loan approval, pending appraisal alone. 
XX/XX/2021, we resent appraisal billing information for approval because TCF lost it again. 
XX/XX/2021, I called and verbally submitted appraisal billing information again, because TCF lost it a third time. 
XX/XX/2021, payment ran. 
XX/XX/2021-XX/XX/2021, fraudulent transactions occurred on same card ( the card was never previously compromised ). 

XX/XX/2021, appraisal completed. 
XX/XX/2021, appraisal finalized and submitted. 
XX/XX/2021, we received appraisal, and it landed in excess of loan requirements. 

XX/XX/2021, XXXX, TCF rep emailed us a communication stating that underwriters have changed our agreement, and added after-the-fact requirements, asking for additional redundant documentation along with a hand-written, signed, and dated letter of need. 
XX/XX/2021, XXXX, we completed their new list of demands. 

XX/XX/2021, TCF  rep will not respond to call, email, text. 

To date, no explanation or apologies have been offered by any TCF representatives. No offer for the opportunity cost and time-cost damages have been offered or mentioned. No timelines or estimates on closing dates have been communicated. Obviously, we have no assurance that our sensitive information has been kept secure, no evidence that TCF honors their good faith contracts, and no clear communication whatsoever. The expiration date for the second rate lock DocuSign is approaching in about two weeks. 

What is our recourse?
Product: Debt collection

On Friday XXXX XXXX Credit Acceptace Corp called and left XXXX messages and then called again and talked to me live. Payment came due on XXXX XXXX and is not even late fee until XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed an account with Kohls credit card through capital one early this month. I was sent a bill that I was told was already taken care of. When I called to pay the bill the associate ran my credit without permission, when I asked about he denied that my credit was ran. I asked to speak to a supervisor and was also denied. I called back and was given a new representative who told me he could see that my credit was run, but could not find a reason why. The company with not give me any information on my credit and will not let me pay my bill.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

GM financial
Product: Checking or savings account

On XX/XX/year> I was locked out of my Truist Bank checking account, both online and the mobile app. It was after hours and I had to wait until the next day to call the bank. When I called, I was transferred to the fraud department. I was told my account was set to be closed due to confirmed fraud. When I asked what fraud and who confirmed fraud, they said the investigator did not provide a reason. I went to the local branch on XXXX XXXX in XXXX XXXX and spoke with the senior banker there. She called the fraud department and was told the same thing I was. However, this person in the fraud department said I could submit documentation, saying she didn't have anything specific I would need to submit, to verify my identification and they would do a second investigation. I was told I could not open another account. I still had money in this closed account for which I could not access and I get direct deposited my pay from 2 jobs. I had to go home to get the documents, which I provided to the senior banker to fax to the fraud department. I than had to go to a different bank to open a new bank account so I could get my pay direct deposted. After opening the new account, I received a phone call from the senior banker who told me they weren't doing a second investigation and that the decision would stand. I would have to wait for a letter that was supposed to explain the reason for the closure. I received that letter and all it said was that it was closed due to suspicious activity on my account. I don't know what they are talking about. All I do is get my pay from 2 jobs direct deposted into the account, pay billed and make purchases such as food. I had opened this account online because of a promotion the bank had where if you spent a certain amount of money with the debit card within a specific timeframe, they would deposit {$400.00} into the account. I met the requirements and got the {$400.00}. Then all of a sudden my account was closed without any prior notice. Two credit card payments were returned and I can not get my pay because my employer had already submitted payment to the bank. So now I have no money and have to wait until my pay is returned back to my employer so they can re-direct deposit it into my new account, which will take days. There was no fraud on my account, I was given no good explanation what this " confirmed fraud '' was, and for the bank to deny a second investigation after being told they could do one after I provided multiple documents to confirm my identiy makes me feel violated and victimized. No good explanation, no money and no paycheck. I was told I have to wait 10 days to get the money that was in my accounts ( I had also just recently opened a savings account at this bank which they also closeed ) in checks. I have NEVER been treated like this by a bank in my life.