23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX Lakeview Loan Servicing Attn : Mortgage Resolution XXXX. XXXX  XXXX XXXX  XXXX, VA XXXX Re : Error Resolution Notice under 12 C.F.R. XXXX Mortgage Loan Number : XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX. 
Fee Errors : Your company incorrectly imposed a {$98.00} late fee on, or about XX/XX/XXXX. 
On, or about XX/XX/XXXX, I wrote a personal check # XXXX for the XX/XX/XXXX mortgage loan payment and I unintentionally made a typographical error on the written amount of my payment ( Attachment A ). The check had the amount {$1200.00} written in numbers, but the letters were XXXX XXXX XXXX and XXXX/XXXX. I was not informed of this mistake. 

On, or about XX/XX/XXXX, when I was getting ready to make my XX/XX/XXXX mortgage payment ; I found this error and I immediately called Customer Service : XXXX and spoke to a representant named XXXX. Ms. XXXX took a phone payment for the missing {$200.00} dollars and I asked her to add my XXXX regular payment, which was a total of {$1400.00} ( XXXX + XXXX ). She spoke to a manager and assured me that the late fee of {$49.00} was waived because of the nature of the unintentional mistake and my immediate action to solve it on the phone ( Attachment B ). 

On, or about XX/XX/XXXX, when I was getting ready to make my XX/XX/XXXX mortgage payment ; I noticed that my account statement still reflected the {$49.00} late fees charge, so I immediately called Customer Service : XXXX and spoke to a representant named XXXX. After a very long time of consulting with a manger again, XXXX apologized and tried to explain that the amount from last month were entered in the wrong places, but now they are fixed and the fees were clearly waived ( Attachment C, dated XX/XX/XXXX ). 

On, or about XX/XX/XXXX, due to the financial uncertainty that the COVID19 pandemic is creating in my family circle, I checked all my accounts to get information about the kind of supports available because I am truly worried about the months to come. When I checked my Lakeview Loan Servicing account statement, I find THE LATE FEES OF {$49.00} DOUBLED TO {$98.00}!!! If this was a joke, it would be extremely inappropriate because average consumers as myself are desperately trying to hold on to hope during these times of uncertainty and pain for our loved ones who are ill ( Attachment D ). 

Unfortunately, this is not a joke and this is not acceptable in our society ; its called harassment. Therefore, I am asking you for the third and last time to correct this mistake or I will file a legal complaint for the suffering this situation is causing me and my family. Please do not explain to me how this happened, just fix it and take this extra stress off my weary shoulders soon. 

If you need to contact me, I prefer email because Im too upset to deal with more deceptive narratives, but I will call if its absolutely necessary. 
Sincerely, XXXX XXXX
Product: Credit card

The company delivered statements and other communications electronically while my account was open, as agreed. When I closed my account, the company terminated my access to their website but continued delivering statements electronically, which I could not access. A supervisor refused to say whether future communications would be delivered through the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with XXXX XXXX XXXX.They are furnishing false and inaccurate data to Equifax. My dispute with XXXX  on XX/XX/2020 resulted in the inaccurate, false information reported by XXXX being deleted and removed from my report.. However, its still inaccurately being reported at Equifax.
Product: Bank account or service

PayPal refuses to close my account out or let me speak to anyone higher than a customer service rep to resolve my issue. I have made countless attempts to resolve this with them but they refuse. This is a horrible company that does n't care about its customers. I just want my account closed.
Product: Money transfer, virtual currency, or money service

Gemini has stated that in order to comply with sanctions, they can not unlock my account. This is misinformation because I am a US citizen, I live in the US, I have a job in the US, and I pay taxes in the US. There are no sanctions on me. There are only sanctions on the country that I am temporarily visiting. Therefore, unlocking my account would not violate any sanctions and by Gemini not doing so they are preventing me from being able to use my account when I travel to a location within their area of operation.

I have contacted Gemini numerous times and provided all personal information needed to have my account unlocked. However, Gemini avoids completing the necessary duties required to unlock my account by manipulating the context of the situation in their CFPB responses.

Furthermore, after multiple CFPB complaints, Gemini finally offered the solution of converting my XXXX  to XXXX and then withdrawing the balance to my bank account that they had on file. Considering the recent rise in XXXX  I agreed and told Gemini to do so. This was 10 days ago. Only after XXXX emails, XXXX forum posts, and 6 days did Gemini respond to my email. All they said was, " Thank you for your patience. 

My team is investigating your account issue and I will be sure to reach back out as soon as I have an update. 

If you have any questions in the meantime or any additional details you think would be helpful, please feel free to reply to this email! '' I immediately responded to their email and have responded every day since. Gemini has still not responded to me. Its been 10 days from when they first offered a new solution and I have only received 1 response. During those 10 days the price of XXXX  has changed drastically. 

If Gemini had just unlocked my account like I had been asking for the past 18 months then I could have just travelled to XXXX, a country within Gemini 's area of operation, and completed the conversion myself. No sanctions would have been violated and everything would have been legal. However, Gemini has thwarted my efforts of recovery by using their responses to my CFPB complaints as a platform to pretend to be helpful. The reality behind the scenes is they don't give XXXX XXXXXXXX about helping their customers and will only do so if legally binding.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - sold my car for a low price to an outside party. I still had over {$3000.00} worth of electronics in that car. They were suppose to close this account due to over the top Maitenance visits because the car had so many issues. On top of that. Every time the car broke down, I had to get it towed and paid out of pocket. XXXX XXXX was suppose to reimburse me for those tolls and did not fully pay me back. I asked over and over for someone to give me a call because I am owed money for those tolls. 

XXXX XXXX- still billing me and harassing me with phone calls after my truck was involved in an accident. I was not in the vehicle when this happen. The insurance company XXXX declared the truck as a Total lost. Now I can not get my truck registered again because it is now a total loss vehicle. I asked them to close this account because they did not accept the offer from XXXX for me to receive a check for my damages. They did not want to sign over the title because of my account status. The truck is not drivable and is parked due to tail end hit, and gas tank leaking fluid.
Product: Payday loan, title loan, or personal loan

the title loan company is harassing me at work calling my work all time of the day 5 to 6 times a day my cell phone 5 or 6 times a day. I have ask them not to call my job 3 times and the calls continue they told my coworkers who they were and so all my coworkers know my personal info.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : ( XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX )
Product: Credit card

The account is invalid. JP MORGAN CHASE BANK CARD SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. JPMCB CARD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX I had a residential mortgage with XXXX which I was informed is under the control of CIT Bank. This account was transferred to another lender in XX/XX/XXXXbefore CIT Bank took over. In XX/XX/XXXX, the mortgage was reported as 30 days late to each of the 3 major credit reporting agencies. When I reached out to file a dispute to have this item removed after XX/XX/XXXX ( 7 years from the date of the first delinquency ), CIT changed the reporting to show it as a positive account, committing blatant fraud in their reporting rather than removing this item as requested. Each time I've reached out to CIT to discuss this account, I am continually being told they have no information on the account, either under my name, social or the account number, yet they respond to any disputes filed by the credit bureaus, informing them that their reporting is correct, when in fact it is not. For months I have continually tried to get this account removed from my credit file, only to be told that the information being reported by CIT is correct, thus allowing CIT to  continue to commit fraud by changing information on this account from negative to positive, avoiding the Statute for time limitations and not reporting accurate information. I am seeking assistance to have this item removed for the blatantly fraudulent information they are reporting and for their failure to respond to me as a consumer to challenge the accuracy of their information.
Product: Money transfer, virtual currency, or money service

Last Sunday ( XXXX XXXX ) I sent XXXX dollars to XXXX via Western Union ( https : //www.westernunion.com/us/en/home.html ). Initially on their website they promised the money would be available in 4 business days but later when I submitted the order they said the fund will be available 5 business days. Now as I check on their tracking system, now they say it will be available on Monday ( XXXX XXXX ). So I called them and they say the money should be available Friday but can't say when. At a loss I asked them again when it will be available. They just repeated the same statement and hung up. Why do they keep changing the business day? And why can't they say when the money will be available? I'm afraid that the fund might be unavailable until next Monday and they will claim that it will arrived 5 business day.
Product: Credit reporting or other personal consumer reports

I sent a certified letter to TRANSUNION on XX/XX/year> to dispute the late fee on my account from XXXX. I also included a letter from XXXX stating my account was NOT late. TRANSUNION did NOT put in my dispute after I sent proper documentation. I called and spoke with a XXXX but he also did NOT correct my report which is reporting me late for XXXX. I need this late fee removed from XXXX as soon as possible but they wont remove it with documentation stating so. 
Under FCRA Section 611 Once a dispute is received, it must be investigated and decided upon within 30 days. This time frame is critical for the dispute process because if the information can not be verified, or corrected, the agency must delete the disputed information by the end of those 30 days. TRANSUNION received it on XX/XX/year> and NEVER put in my dispute after receiving it. It is now XXXX and it is not removed from my report. Due to the timeframe allowed by the FCRA -my dispute is deemed accurate and should be removed due to the XXXX negligence of TRANSUNION XXXX Beyond 30 days allowed and tried to dispute it after me calling them out about my supportive documentation sent well over 30 days ago then put a dispute in and said the information was verified by creditor within days. Time frame was date received up to 30 days. They received it XX/XX/year> and never put the dispute in after me calling in XXXX XXXX I believe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to place complaint about Experian credit services I have been a victim of identity theft several times even according to there own monitoring services my information is all over the dark web and I have been involved in numerous major data breach instances. XXXX, XXXX XXXX, XXXX just to name a few around XXXX of XXXX I realized I have been targeted again I had been XXXX  for a few years and did not realize till my release when I started to get collection notices that's when I ordered my report from Experian and realized there has been over 10 accounts and numerous credit cards, loans and even unemployment identity theft. I went to to the XXXX XXXX XXXX and they sent a unit out to my house to make a report I had listed all the accounts that we're currently listed on my report Experian was quick to respond to the identity theft report and blocked a majority of the accounts however there are 5 accounts that are still being reported by Experian that were individually listed my name and account number in the police report that I had sent to them via certified receipt U. S postal service the following accounts were listed in my signed dates police report that I submitted to them in XXXX XXXX XXXX XXXX opened in XXXX {$1400.00} XXXXXXXX XXXX opened in XXXX XXXX XXXX opened XXXX {$130.00} XXXXXXXX XXXX XXXXXXXX XXXX opened XXXX {$500.00} XXXX loan opened XXXX  {$1200.00} These came back as verified there is no way that those are my accounts I had also included and verified in the police report by the officer that took the report a letter on prison letterhead written by a prison staff and sign ed and dated letter concerning that I was in the XXXX XXXX XXXX XXXX at the time the accounts were opened. Further more those accounts came back verified and it wasn't till XXXX XXXX just a few months ago Experian had the wrong last 4 reporting for me not that it had my social and another similar it was completely wrong till I disputed in XXXX
Product: Mortgage

We have had this mortgage for a numerous of years and as soon as it was changed to Mr. COOPER We had a problem. We have NEVER had a late payment on our loans and we have had a number of them as we are XXXX XXXX XXXX. A few months ago somehow a payment was made from our XXXX XXXX with an incorrect number on it. Is would have been easy for them to contact us because our name was there in plain sight. Instead they sent the check back to our bank without contacting us. By the time we got the returned check it was about a month out. We started contacting Mr. Cooper and trying to figure out what happened. It took several calls just to find out why the check was returned. They didn't even tell us the problem until WE started calling them. We eventually figured out the problem and sent several payments to fix the issue. 
I tried reasoning with them to fix the credit reporting because they can plainly see we are great customers with NEVER a late payment. They didn't care! OUR CREDIT WENT FROM AN XXXX TO A XXXX BECAUSE THEY COULDN'T BE BOTHERED TO CONTACT US WHEN A CLERICAL ERROR WAS MADE ON A XXXX XXXX PAYMENT. THEY WAITED UNTIL IT WAS A MONTH LATE TO START CONTACTING US! 
I HAVE TRIED SEVERAL TIMES TO SPEAK WITH THEM TO FIX THE CREDIT REPORT AS THEY CAN SEE WE HAVE ALWAYS BEEN GOOD CUSTOMERS BUT NO! THEY REFUSE.

IT SEEMES LIKE A SCAM TO ME.

T E R R I B L E C O M P A N Y
Product: Credit card or prepaid card

On XXXX I tried to make a purchase on XXXX and it was declined. I received a email from XXXX which I read on the XXXX. I then logged into my account with with XXXX XXXX and found that on XXXX at XXXX an IVR Money Transfer was transferred to XXXX XXXX, confirmation number XXXX for the amount of {$500.00}. 
On XXXX I called XXXX XXXX. My PIN had been changed. XXXX XXXX told me that they would send the necessary forms that I needed to complete and FAX to  them. By Wednesday, the XXXX I still had not received the forms so I called them again. They said they would re-send the forms. I asked them when can I expect my account to be credited the {$500.00} and they said within 45 to 90 days. It is now the XXXX and the mail has come and gone and no forms. 
XXXX XXXX was assigned to me by the SSA. I called the SSA and they said there was nothing they can do even though they assigned me to XXXX XXXX. I called Comerica Bank whose logo is on the card. They also told me that there was nothing they can do.

I XXXX 'IVR Transfer ' and XXXX XXXX came up. It seems that this has been happening for some time ; money transferred and PIN 's changed.
Product: Mortgage

Long history! XXXX XXXX sold my mortgage to LoanCare, why I do not know. Our first recurring payment with LoanCare started XX/XX/XXXX. What a nightmare, theyre driving insane. The problem started XX/XX/XXXX when I sent them a check for {$25000.00} to be credited to the principal, I have done this before, it wasnt a problem then LoanCare took my monthly payment of {$2100.00} and deducted from the {$25000.00}, when the monthly payments are recurring payments. Since then LoanCare havent stop doing the recurrence payment to my bank. I really do not trust them I have tried for them to fix their mistake. Instead, I get numerous recording messages that Im behind in my mortgage + the late fee. XX/XX/XXXX sent a certified letter with history attachments to the corporate office As of today XXXX havent heard a thing. Plus I enclosed two checks for {$2100.00} each to pay for whatever they are claiming were behind, except for a late payment. I beg them to let me know how to set up my monthly payments. I just find out that LoanCare has reported to the credit bureau that we are on default of our loan, our credit report went down from XXXX to XXXX. I would like to hire a lawyer, but that will be extra spending that we dont want to incurred from the poor administration/record keeping of LoanCare. As I mentioned before I have talked to a supervisor on LoanCare, Mrs. XXXX, who pretended she didnt know what I was talking about very unhappy, and rude! I need advice/help what should I do next?
Product: Student loan

My loan is less than 30 days past due. I receive multiple calls per day from Navient regarding it. Today ( XXXX XXXX 2017 ) I  answered and explained we are in the middle of an unplanned issue with our bank and will bring my account current as soon as its rectified. The representative immediately said Okay I will go ahead and put your account into forebarance and you wont have to worry about it until after he holidays. I immediately said no that is beyond unnecessary as my monthly payment is only {$41.00}! I can bring it current within a week. 

I am reporting this because it is irresponsible of Navient to immediately steer me towards forebarance ( again ) when my overdue balance is less than {$50.00}. I know there is pending legal again being considered against Navient, for this exact unethical behavior and I will not stand for it.
Product: Student loan

Pioneer credit began garnishing 25 % of each paycheck. There was no notice or any documents. Every phone number I have goes to a pre-recorded msg. Supposedly I owe XXXX. Years ago they contacted my step mother saying I used her identity in a bank fraud. I had to contact the Ohio ag when they began calling my elderly neighbor. This is after the IRS took every refund from 2004 to this day. Help!
Product: Credit reporting or other personal consumer reports

I filed an Identity Theft with my police report of my claim on XX/XX/XXXX. Today is XX/XX/XXXX, over 19 days. Per The Fair Credit Reporting Act ( FCRA ) all information reported as identity should be Blocked from reporting on my credit report. Credit bureaus must block reporting of information in filed in my claim resulted from identity theft within four business days. The updates I received stated they have 60 days to respond. It's day 19 and they law states they have 4 days! They are in violation and I have all of my submitted proof and so do you. Please escalate this matter immediately to delete all of the reported accounts that were reported that are not my accounts. 

Below are the compliant numbers submitted on XX/XX/year> : XXXX Experian XXXX XXXX XXXX XXXX XXXX I will also re attache my Identity Theft report and my police report in case it was lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights a. 15 U.s.c 1681 section 602 A. States I have the right to privacy b. 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: Checking or savings account

I was checking on my business account and fought that Bank of America took my money and closed the account without notifying me.I called Bank of America no one could give me any answer everyone was hanging the phone up in my face. Also last year Bank of America close my father account in which he was having the house note come out the account automatically and they close the account which then send the house into foreclosure. We had to get legal aid to us to fight to keep them from selling the house for peanuts my parents are in there early XXXX, Bank of America try to take the house from my parents which they been living in since 1965. This Bank is notorious maybe because we are XXXX
Product: Checking or savings account

I first contacted the company on XX/XX/year> about a debit transaction being cancelled. On XX/XX/year> the company replied to me, saying there was an issue with their banking partners and that they were unable to do any ACH/Wire transfers, ATM withdrawals or use my debit card. They had no further information at that time. After a week, on XX/XX/year> I messaged the company asking if there was any update on the issue, and that I really need to access my money. The company replied informing me that there was nothing they can do until the issue between XXXX and XXXX XXXX  was resolved. It has been over 3 weeks since XXXX bank has froze everyones accounts without prior notice. I dont understand how anyone can live with their money being held up in an account they cant touch.