23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello sir, I am writing to complain about the returning my XXXX  money {$15000.00} from pulte mortgage and return the downpayment {$120000.00} XXXX  from the artoney 's office. 

For your background, i am a XXXX  and i always felt as a minority from pulte company because they tend to response all the things last few minutes with un-reasonalbe request although they made a closing date on XX/XX/2023 and I already sent {$120000.00} for the downpayment. 

I would explain the starting point. The sales officer suggested me only 5 % downpayment and {$10000.00} discount on XX/XX/2023 because the house has not been sold for long time. I was not sure for this and i had a concern for this and then, I requested to add " i should return the XXXX  money if i am not eligable for the loan process and failed it because it is really big money for me and my family. they input in the contract. 

Otherwise, they gave me 20 % conditional approval on XX/XX/2023. it was big difference but i gathered all the moneny in a difficult situation to finish it. but the loan processor took a vocation for long time without other contact point and they started to ask my XXXX  asset to review just last few days from closing date. but i did all the request in 1-2days, doing my best to closing these unfair things. but, they delayed the closing date up to now. Finally, they requested the co-signer with very reliable credit score to be done this process in a short time. I would like to share the below e-mail to review our communication and I have to receive all the XXXX money and downpayment asap. 

They are holding this contract for two months. we could not think other option and they just send me the sign document not to return my money, holding my XXXX and downpayment. please help me this is really unfair things. 

Now, i am looking for the rent house for my XXXX kids for the registration becuase the school starts on XX/XX/2023 and i am writing this in XXXX becuase i need to attend my father 's funeral. Everything is screwed up due to pulte mortage and builder. please review all the things and help my family to survive. 

XX/XX/2023 - loan started XX/XX/2023 - loan pre approval ( from 5 % to 20 % increase ) XX/XX/2023 - request me to find co-signer and i can not find the person in the united states
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have new and updated information regarding a complaint that I previously made. I sent CREDIT ACCEPTANCE CORPORATION a cease and desist and it was received on there end on XX/XX/22. I also followed up with an affidavit of truth on XX/XX/22 and it has yet to be rebutted line from line which stands TRUTH by law. I recently received another statement on XX/XX/22 from credit acceptance after I demanded to cease and desist which is a violation. I did not give consent for credit acceptance to contact me which is causing me personal damages. My initial letter for request of validation was sent and received by credit acceptance on XX/XX/XXXX, and there response was beyond the 30days that was given which has prolonged this. I am the original creditor which puts there company in federal violations.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to XXXX XXXX. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my XXXX XXXX XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX 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
Product: Mortgage

XXXX incorrectly reported my mortgage as being in forbearance. We never requested forbearance, and all of our payments have been on time. This ruined our refinance and now they refuse to even provide a letter correcting this false report.
Product: Credit card

I have been a customer with synchrony bank for years. Even my first credit. My care credit account was closed one month after I paid it off in full without notice or even trying to work with me. I was so upset after calling them to understand why. That I turned around immediately to pay off a store card of over {$600.00} through synchrony bank because I no longer what them having my business or even so much as a {$1.00} from me. My account was closed cause I have high balances on other bank cards. Eveyone experiences hardships. But I never not paid off my balances or even made late payments. Disheartening a company can do this without care or consideration. I closed my other account with synchrony due to there lack of integrity. I would rather take the credit hit then give them anymore of my business.
Product: Credit card or prepaid card

Someone used a skimmer to get my card information on XX/XX/XXXX at XXXX someone withdrew {$1400.00} dollars from my payroll card I mi went to the police and filled a report the went to the location where the money was taken out from and they have the video surveillance of the person who committed this transaction I call the payroll company who provide the card and they said that they will send me a form for me to sign when the get it back they will start a investigation they said it take 45 to 90 days but on XX/XX/2022 they close my case without them receiving my sign documents now they will not reimburse me the money that was stolen Im need help in this matter I have my police report I have my bank statements and I also have the picture the detectives send me of the person who committed this fraud my contact is XXXX or email XXXX I was told I can file a report with you for help in this matter feel free to contact me if you need all the documents I have included a picture of the person involved in this
Product: Credit reporting or other personal consumer reports

I have been disputing the account paramount group for the last three years as fraudulent and to remove from my report Experian has failed to properly investigate the accounts and each time it comes back as accurate Ive requested verification method And they refuse to disclose how the account is verified. Ive lost housing cars and banks because of the improper reporting of my credit report please delete XXXX XXXX XXXX
Product: Student loan

I have been paying on my student loans consistently for two years now and yet my balance never decreases. I applied  for IBR in   XXXX  of  2016  and my payments were set to {$43.00}. I was not notified of th e IBR  program until I asked prior  to 2016 I was  put in forbearance. When I first set up on  IBR,  I stated I wanted to pay extra to start decreasing my balance. I called them a few times  in 2016    that my balance due showing online is {$410.00}, sometimes more. Navient verified my IBR amount of {$43.00} and stated to not pay attention to the $  XXXX + amount and to proceed with payment but the Navient online system would not let me make a payment less than the {$410.00} balance due. Each loan shows an amount due based on the loan amount totaling the {$410.00}. I was told to go to the old website and make a payment and it showed the same amounts but allowed me to manually enter a payment. The issue is even though I am paying what I was approved for, it still has the higher amounts for each loan due along with the {$410.00} amount due showing late fees on each loan and keeping my interest the same. Even though I explained I would like to pay extra to decrease my balance, they applied the extra amounts to the next months payment. I recently pulled my credit report from FICO showing where I am making the payments on time but showing my balance increasing each month rather than decreasing despite my on time payments and paying extra.Even though I was approved to pay {$43.00}, I was paying $  XXXX - {$70.00} ( varied month to month ) extra. It is very deceitful and misleading. For me to paying on time and extra each month, the loan balance should be decreasing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> Equifax : XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the consumer Financial Protection Bureau filled a lawsuit against Equifax for failure to properly investigate consumers disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, includes. 
Conducting inadequate investigation that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned thats my dispute may be mishandled in a similar manner.
Product: Credit card

ON XXXX/XXXX/16, I ATTEMPTED TO USE THE ONLINE SERVICES OF SYNCHRONY BANK, TO REQUEST A CREDIT LIMIT INCREASE FOR MY WALMART CREDIT CARD ACCOUNT. THE FIRST STEP OF THE ONLINE PROCESS REQUIRED THE CREDIT CARD HOLDER ( MYSELF ) TO INPUT PERSONAL INFORMATION FOR VERIFICATION PURPOSES, INCLUDING INCOME. THEN, THE CARD HOLDER IS PROMPTED TO PRESS THE NEXT TAB BUTTON TO PROCEED TO NEXT SCREEN. IN DOING SO, THE ONLINE SERVICE IMMEDIATELY PROCESSES THE APPLICATION. THE ONLINE SERVICE DID NOT PROVIDE ANY MEANS FOR MYSELF TO CONSENT, CONFIRM, OR AUTHORIZE A CREDIT INQUIRY NOR REVIEW TERMS OF AGREEMENT UPON REQUESTING A CREDIT LIMIT INCREASE. I DID NOT HAVE AN OPPORTUNITY TO OPT OUT OF MY REQUEST AT ANY TIME DURING THE PROCESS. THE ONLINE SERVICE HAS ONE INITIAL STEP, THEN ONCE YOU PRESS THE NEXT BUTTON TO TAB TO NEXT SCREEN IT PROCESSES APPLICATION. I WAS UNAWARE THAT I WAS AT THE FINAL STAGE OR STEP OF THE CREDIT LIMIT REQUEST PROCESS. I BELIEVED THAT ONCE I CHOSE NEXT I WOULD BE DIRECTED TO ANOTHER STEP WITHIN THE PROCESS. THE ONLINE PROCESS DID NOT INDICATE OR DISCLOSE THAT I AM CONSENTING TO A HARD INQUIRY. THERE SHOULD BE A FINAL CONFIRMATION STEP TO ENSURE THE CARD HOLDER WOULD HAVE AN OPPORTUNITY TO CHANGE THEIR MIND. THE ONLINE SERVICE PROVIDED A MESSAGE, WHICH READ " UNABLE TO PROCESS A CREDIT LIMIT INCREASE VIA ONLINE '', SO I ASSUMED THE CREDIT LIMIT REQUEST WAS NULLIFIED OR CANCELLED UNTIL I RECIEVED A LETTER FROM SYNCHRONY BANK INDICATING " MY CREDIT LINE INCREASE WAS RECEIVED AND DENIED ''. I AM NOT REFUTING THE DENIAL, ONLY THE CREDIT INQUIRY ON MY XXXX REPORT, WHICH I DID NOT CONSENT TO BY WAY OF CHECK MARK, INITIALS, OR ANY OTHER METHOD.
Product: Credit card

Account is showing as a charge-off when it was actually discharged in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent certified mail to all three bureau on XX/XX/2021. Only bureau to respond was XXXX  and they stated the could find no record of me. I have personally pulled all three of my credit bureau so not sure how this could be. I have proof of certified mail.
Product: Mortgage

Long story short, my escrow refund was lost in the mail and I have contacted Dovenmuehle twice about getting another check sent. I closed on my previous mortgage on XX/XX/2020. My escrow refund check was issued on XX/XX/2020. I have reached out to them after a month waiting in XXXX and XXXX. I still have not received the balance due to me or any communication that it is in process.
Product: Vehicle loan or lease

Its been over 2 years since Ive tried to have the vechile repossessed because the car was a lemon & they havent been able to pick it up for 2 years now so Im tryin to file a claim to lean sale the car
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b, I have never given consent to report any OF THE FOLLOWING accounts on my credit report, 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 TRANSUNION, XXXX XXXX XXXX  did not have my consent to report any of the following items above. It constitutes an not having permissible purpose. No consent is identy theft!!! This law states that whoever knowingly transfers, possesses, oruses, without lawful authority, ameans of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term or imprisinmentof 2 years. I request a copy of the SSA 89 or SSA 3288 advising that if they were going to pull my credit they would have to have all these documents signed.
Product: Credit card

First request for rewards was on XX/XX/2024. I have been receiving emails that my request was not processed, this has happen on every request that I have sent 3 times.
Product: Checking or savings account

I called my bank for my debit card to ask them customer service was rude to me I wanted to know when my card will be contactless with tap feature they were rude and hung up on me and didnt provide a response not nice I want contactless so when you make a purchase you tap instead of inserting the chip but they dont understand or know what this is when other banks already have this technology
Product: Checking or savings account

I have an account with Navy Federal Credit Union. I signed up for a NO FEE account. With this particular account, if funds were not available- The transaction would be declined period. I have received several NSF fees and debits rendering my account overdrawn. The most recent infraction occurred in XX/XX/year>. I have read the lawsuit against Navy Federal stating these same violations and infractions against the consumers who utilize their services. I can produce and release CFPB access to obtain all of my statements for the account to verify what I am claiming.
Product: Money transfer, virtual currency, or money service

Using the Coinbase commerce app, I purchased and attempted to transfer XXXX bitcoin to a wallet. The coin was subtracted from my wallet, but the transaction did not go through. When I attempt to view data on the transaction, there is an error code for a connection issue. This problem occurred on XXXX, and I have reached out to Coinbase customer service, to no avail.
Product: Money transfers

I have been trying to send a money transfer of {$120.00} XXXX to XXXX for the 2nd time after having to cancel the 1st time due to pick up delays. Basically, although the transaction shows as " ready for pick up '' in the online app, and Moneygram has even collected the funds from my account, my sender has been unable to pick the money twice at large banking institution ( XXXX ) affiliated with Moneygram International. The recipient is basically being told that the number most be incorrect. Then, after having to send recipient the number for pick twice to no avail, I had to called the service line and to my surprise again they needed to verify my identify apparently due to suspicious activity. At the same time, I was transferred several times from the Hold Dept. ( Rep. named XXXX ), then Online Dept. ( Rep. named XXXX ), and finally they wanted me transferred back to Hold Dept. when I decided to end the call, and file this complaint. 
The issue is that this is not the first time that I have to verify my identify, and it seems that Moneygram is not taking any steps to update their system after having re-verify my identity several times before. And, I am instead being told that this issue will persist and that they are sorry, which seems unfair to to say the least especially when we are talking a mere {$120.00} XXXX. 
Bottom-line, I know of no basis to put me or my family through this needless hassle, and basically labeled as a " bad actor '' each time even after releasing the funds, and re-verifying my identity.
Product: Student loan

My loans are serviced through AES. I schedule my payments every month to be taken on the due date. ( please not that my loan payment has gone up every single month even though I pay on time ... so really ... whats the point anymore? ). I received an email stating that my loan was late. This concerned me because I knew it was scheduled to come out on the due date. I checked my bank account and the payment had been taken out. Confused, I logged into my account. On the account summary you can see where my payment was scheduled to come out on XXXX/XXXX/XXXX, the amount fully came out on XXXX/XXXX/XXXX from my account and yet this day ( XXXX/XXXX/XXXX ) the summary page said it was delinquent and had not been received. I emailed AES and their response was : " The payment in question has been located and a request has been submitted to have the payment applied to your account. Please allow up to 10 business days for this request to be processed. We apologize for any inconvenience this may have caused you.

Although the payment has been located and a request has been submitted to apply it to your account, I must advise you of the delinquency on the account until the payment is applied.

As of the date of this email, your account is four days past due for {$190.00}. Late fees may be assessed if the delinquency continues on your account. You may receive calls and letters regarding the delinquency until the account is current. We report the status of your loans to the nationwide consumer reporting agencies each month. '' HOW DOES THIS MAKE SENSE? They have also been calling my co-signer AFTER my payments are made and show that they are made and telling her ( my XXXX old grandmother ) that my payments are n't being paid. SOMETHING is wrong with this company ...
Product: Bank account or service

I have had a " Build to order '' checking account at Compass Bank for over six years. 
I started getting fees late last year while I was between jobs. My auto deposits stopped while I was looking for work. In late XXXX of 2015 I started working again and the auto deposits started. I increased the amount of the deposits to {$270.00} per semimonthly pay period. This total {$550.00} per month in auto deposits. 
I have called and asked the bank what these charges are for and they say that the individual deposits have to total more than {$300.00} per semi monthly period. Aggregating the deposits monthly is not allowed ( this is an unannounced change ) and it is costing me {$10.00} per month where it did n't before.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX I deposited over {$15000.00} into Binance.US and have accumulated over {$60000.00} in profit with my investments in NANO/USD VTHO/USD AND DOGE/USD on the platform. I am considered an advanced verification level user which means I should be able to withdraw XXXX per day as of their terms. Recently and suspiciously Binance.us switched my verification level to unverified and asked me to accept these new terms and conditions, well now its been weeks and my account says pending verification and it does not allow me to withdraw my funds, but or sell any currency. My money is locked. I have submitted tickets asking them to release the hold that is unjustified, no response. Thousands of users report the same thing on XXXX. I have missed out on XXXX + profits this month alone due to not having access my trading account. I pay my regular bills with my account, over XXXX. I am at risk of losing all of my assets due to not having access to my funds and being late on bills. This is causing me great damage and stress. This has happened on XX/XX/2020 and my ticket number is XXXX account email XXXX User ID at Binance.us XXXX
Product: Credit reporting or other personal consumer reports

XXXX has not looked at my dispute I send in disputes and there resolved in XXXX day and its supposed to take XXXX  days I ask for proper action no response
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.
Product: Debt collection

On XX/XX/XXXX Dynamic recovery solution send me a letter saying that I'm in collection with them with a credit card that is not in my credit report anymore because it was payoff long time ago.
Product: Credit card or prepaid card

Summary of the case : I am the owner of an account with a credit line with Synchrony Bank/ PayPal Credit XXXX 
On XX/XX/2021 I paid {$1000.00} to a XXXX manufacturer ( Manufacturer ) with my Synchrony Bank/PayPal Credit ( Synchrony ) to make silver jewelry for my small business. 

The manufactured jewelry was defective, and Manufacturer and I agreed to return the merchandize for repairs. Manufacturer has been in receipt of the returned jewelry since XX/XX/2021 and although he committed to a 2 weeks repairs deadline, he has been constantly delaying the repairs. 

On XX/XX/2021 Manufacturer mailed a package, 3 days after I have already opened a claim with Synchrony & informed him that I no longer wanted the merchandize & and that I would refuse any merchandize sent my way. 

On XX/XX/2021 Synchrony issued me a credit for {$1000.00}. 
On XX/XX/2021, Synchrony reapplied the charge of {$1000.00} to my account. 

As of XX/XX/2021 all updates from the XXXX tracking website shows Receiver refused delivery. XXXX will contact the sender for further instructions. 

I have unsuccessfully tried getting in touch with Synchrony to speak with the Dispute Department to explain the complexities of the case and to inquire as to why they reapplied the charge when the XXXX tracking number clearly shows that I am not in possession of the merchandize. 

As of today, XX/XX/2021, I have not received no meaningful explanation as to the reapplied charge from Synchrony when all the submitted evidence shows that I am NOT in possession of the merchandize and that I have NOT received the repaired merchandize. 

Attached : 1. XXXX tracking history for package XXXX showing that the package was NOT delivered to me. 
2, Original charge of {$1000.00} made with the Synchrony 3. XXXX  tracking history showing that the Manufacturer received the returned defective merchandize on XX/XX/2021 2021