23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

New American Funding ran a paid advertisement on the radio. The broadcast said that a special refinancing offer was available for people who called during the broadcast. The advertised rate was 3.375 % 30 year loan bought down to 2.375 % for the first year for a refinancing. Also, the ad said that there were XXXX closing costs. They kept emphasizing all of these points. I called during the broadcast and Spoke to XXXX XXXX, one of their lenders who did business in Colorado. We have EXCELLENT credit, and a large escrow in our house. I told him ideally we would like to refinance our first and second loans together and then he asked for all of our confidential information ( where we do banking, our salaries, our social sec numbers, etc ). He said he would get back to me in a few hours. Did n't hear from him. I called the company two days later and they tracked XXXX XXXX down. Yes he had the wrong email for me, but still did n't have the numbers. Then he called back and said he could only get us a 3.875 % loan with us having to bring in {$6000.00}. Now this did n't make sense and was n't what was advertised! I asked him for a good faith estimate and told him I was really unhappy. He said it was because we were trying to get cash out ( to also pay off a credit card ). I said " fine '' forget the cash out. I want the special offer of 3.375 % /2.375 %. He said he would go back and get me another set of numbers. Waited another 2 days. Then he still came back at a much higher rate. Said this was because the special offer was only for loans above {$410000.00}. Now I 'm really starting to get frustrated. The hidden limitations were not making sense. I told him to refigure the loan again ... the rate he was quoting me was ridiculous and way above market rates. I also asked him for a copy of the loan limitations. Then he said he would get back to me that day. Waited 8 hours .. no reply XXXX next day no reply. He only replies when I cancel the loan refinancing. 

Either XXXX XXXX is playing games .. or New American Funding .. whom XXXX XXXX XXXX .. is playing games.
Product: Credit card or prepaid card

Late XXXX I was notified by Barclays that there appeared to be fraudulent charges on my card. I spoke with them and went over the charges. They were most definitely fraud because it was being used in XXXX and I have never been there or bought anything there. They said their security department would check into it and get back to me. After 3 weeks went by I contacted them because my bank notified me that Barclays was trying to process payment through an account that they didn't have access to. At least they weren't supposed to. The account didn't have much money in it so fortunately it didn't go through. I could not access my account online at this time either. Plus I had not been contacted yet. After speaking to 4 different people about this matter and finally speaking to their security team, they claimed they hadn't tried to do this and they would look into it and freeze any transactions through my bank until this was cleared up. Again I was told they would contact me within 10-14 business days. A couple days later they tried withdrawing a large sum of approximately {$8800.00} from that same account at my bank again. I have been trying to call them using multiple phone numbers they provide and still have not been able to get in touch with them on the phone. I have waited 3-4 times on hold for 45-50 minutes to try to get someone on the phone. Eventually the call just hangs up. I can't login to my account with them to see what's going on and I even tried to contact someone through their XXXX XXXX. Still haven't heard from anyone at Barclays. Their server is down currently and has been for at least 3 days. They did message me on XXXX and tell me I could mail my payment but at this point I don't know if they are legit and am afraid to send money to that address. They do send emails that payment is due but I have no way to make a payment until I speak to someone and get my account active again. I have tried to resolve this issue in as many ways as I know how to. I need help getting this resolved.
Product: Credit reporting

I contacted Experian Credit Agency after my mortgage company informed me that there was a judgement listed against me on my credit report. I was surprise because a couple of months earlier, I had requested my credit report from " Annual Free Credit Report '' website and the judgement was not listed. I received a copy of my credit report from the mortgage company and they explained that I need have Experian remove this information. I proceeded to contact the creditor ( XXXX ), they explained that they never reported this information to Experian and proceeded to provide me with a letter explaining that the information in my credit report is incorrect. I forwarded this letter to Experian through their dispute center and U.S. postal Service. I received a letter a day ago stating that they would not be removing this information. I need this information removed, because is preventing me from obtaining a home mortgage. This information should have never appeared on my credit report also because is under the name of a company that used to own, not under my personal name. I will appreciate it if you could please help me resolved this matter. I have tried several times to remove this information from my records, but Experian refuses. I have attached copies of my credit report showing that the judgement was against " XXXX XXXX, XXXX, not XXXX XXXX. I am also attaching the letter from XXXX ( XXXX XXXX XXXX XXXX the creditor named in the judgement stating that the information in my credit report is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX ( Bank ) Date : XX/XX/23 Action : When contacting TransUnion and XXXX to remove inquiry they advised me to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.
Product: Mortgage

I have a mortgage with Ditech. My ex-spouse and I are joint mortgage owners. Our divorce was final in XXXX XXXX, and the decree relieved my ex-spouse from any responsibility for the mortgage as I remain in the marital home. To complete this action, I needed to assume the mortgage and remove my ex-spouse 's name from the account. 

On XXXX XXXX, XXXX, I submitted a request via Ditech 's online customer service portal requesting information on what I needed to do to assume the joint mortgage and remove my ex-spouse from the account. I received an immediate email confirmation that Ditech received my request, and shortly thereafter received a formal letter via US mail to the same effect with a promise to respond within 30 days. 

On XXXX XXXX, XXXX, nearly 3 months later and having not received a response, I submitted a 2nd request, stating that this was indeed a second request. I again received an email and formal letter via US mail promising a response within 30 days. 

It is now XXXX XXXX, XXXX, and I have not received any further correspondence from Ditech. 

Please advise. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize and have asked for proof of.
Product: Credit reporting

Credit Card was opened under my name when i was fourteen years old. The information does n't match.
Product: Checking or savings account

I pulled up my account for a balance check before going shopping and I saw an alarming deduction of {$99.00} from my Chase Account. I called Chase immediately and the agent explained to me that Chase Bank have allowed XXXX to deduct XXXX for XXXX consecutive years out of my account without my knowledge. 
I asked the agent if they had any security system set up where if ithere was an online deduction made to immediately allert bank account holders to see if they have knowledge of the deduction before allowing it to go through, and the reply was no. Furthermore, I never signed a subscription with XXXX or authorized them to deduct {$99.00} out of my bank account without my knowledge for 3 years. 
Chase Bank is notorious for allowing companies to high jack your account without any security set in place. This is not the first rodeo I have experienced with Chase. I had a transaction in which I paid for a hotel and it was not what I ordered online. Chase has continually delayed the process of refunding the transaction. I am disappointed with Chase Bank because it's reputation does not match how their banking clients are treated and protected.
Product: Mortgage

We took a XXXX XXXX loan on our home in XXXX. Fell behind in XXXX. Have gone through many many many hoops trying to get help from them since XXXX when my husband passed away only to be denied. We have paid over XXXX dollars a month for 12 years to them ... Chase is now foreclosing. They have collected over XXXX XXXX dollars in the last 12 years and are saying we still owe them XXXX XXXX dollars. 
They say in their foreclosure complaint that the last payment was XX/XX/XXXX ... My last payment was made in XXXX of XXXX. 

HOW CAN THIS BE? HOW CAN THEY DO THIS TO PEOPLE?
Product: Debt collection

In 2013 I paid my debt which was to Cash Net USA however they sold my account to a XXXX XXXX XXXX company and they are still trying to get money and are still reporting that I owe them money even though the debt has been paid. Here is what they sent me '' As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to XXXX XXXX XXXX on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact XXXX XXXX XXXX at XXXX or XXXX " The information they are reporting is inaccurate has the debt has been paid as of XXXX XXXX, 2013.
Product: Credit reporting or other personal consumer reports

A purchase was made from XXXX XXXX. I never received item. They was contacted about this and was told from several different people from XXXX XXXX they would refund my XXXX XXXX credit card acct. They never did this and and my account was charged off and closed. I had contacted the shipper and they informed me that XXXX XXXX need to open a claim and they failed to do this. I have all the documents showing what I was provided from the XXXX XXXX employees saying they would put the credit on my credit card and failed to do this. I have provided them with this and the credit bureaus of this. 


***I can Mail you all the documents showing all this if need be****
Product: Debt collection

On  XXXX / XXXX / 16  I Filed complaintforOLD DEBT Collection on  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  : complaint #  XXXX . We did not hear from them again until today. Today we received a Court document from  XXXX   XXXX  of California  , County of    XXXX    located at  XXXX , Ca. saying that  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has filed a Substitution of Attorney -- Civil ( Without Court Order ) to new attorney  XXXX   XXXX   XXXX   XXXX ,  XXXX  under name  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Ca.  XXXX . I would like to file a complaint against both attorneys who are harassing me in regards to this very old debt. Please contact this attorneys in regards to this complaint immediately.
Product: Checking or savings account

XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Was getting money from XXXX, but got scamed!! Figured safe thru bank. 
Was told to send extra because I didnt have a business account., got smart finally told him no he was scamming me, but he already took money. Called bank ASAP, had to wait for it to post but they still wouldnt give it back, told me to call Zelle but to no avail, called 4 days now, drops call, been on for 2 hours at a time!!
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under XXXX according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion
Product: Credit reporting or other personal consumer reports

I made two purchases under two separate account with Affirm. They were the interest free lender for the purchases. I provided them my business checking account number and routing number to set up auto pay multiple times. The autopayments continued to fail and they claimed my account was closed which was not accurate. I did everything they asked me to do. Delete info online and resubmit. Make payments over the phone. Send them account statements to prove that my account was not closed. They still failed to process payment and both of my accounts were past due and reported delinquent to the credit bureau. I disputed and they said my accounts were closed which was not correct. My account has been open for years and has never been closed. Daily transactions on my statements attached prove that. I later was told to use a debit card which I did tied to the same account which worked but it was after my accounts were past due and reported late and delinquent to the credit bureau. I am not current thanks to the debit card processing but the late payments were not eliminated. My credit score has suffered.
Product: Credit reporting or other personal consumer reports

Debt validation according to 15 US C 16 92G I required them to send me a detailed list of history and payments made by me on this account. I want to see the signature that I put on the contract guarantee that I will pay this creditor. Im also asking to see has there been any insurance claim found on this debt? I want proof that they have a chain of title to collect on this debt
Product: Credit card

This is regarding the credit card with Amex -- I have been over with them for over 20+ year. Never have even 30+day late pay -- This is regarding the XXXX bill due on XX/XX/XXXX  of amount of {$150.00} -- I made payment on XX/XX/XXXX and posted on XX/XX/XXXX ( one day late ) -- Called Amex on XX/XX/XXXX asking them if they can remove the late charge of {$40.00} which posted on XX/XX/XXXX, Declined -- On XXXX XXXX i saw there is new charge posted on my account as " Interest Charge '' of {$170.00} Called the CS right away and asked them the reason. Declined the charges This is robbery the consumer for one day late payment of {$150.00}, charge me {$40.00} late fee and {$170.00} interest charge of total : {$210.00} This is Robbery??
Product: Credit reporting or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXXXXXX XXXX Account XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to get credit. thank you very much and blessings
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion responded to your previous complaint number XXXX stating that they were forwarding the complaint to their consumer relations departments and it will take 60 days to receive an answer. There is no law that grants them 60 days to respond to my concerns. If I attached the discharge documents that they asked for, which I did, then it does not take 60 days to review the documents and admit the errors that they have continuously allowed be reported on my file. I have struggled to get answers with this for nearly 2 years. I am beginning a law suit against another report furnishers for a similar offense and will be including Transunion as well. I have asked for the erroneous accounts on my report to be updated to reflect my bankruptcy for nearly 2 years. I have contacted the data furnishers and they confirmed that my information is reflected as discharged in the bankruptcy. Transunion has failed to update this as well. This failure is causing me severe hardship including not being able to secure housing and employment. This has been an ongoing issue with multiple credit report furnishers. I will be following up with law suit with all parties involved.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balanced {$950.00} XXXX XXXXXXXX Balanced {$7100.00} XXXX XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$1200.00} XXXX XXXX XXXX XXXX Balanced {$160.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX Balance {$600.00} Credit limit {$600.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$200.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX  Balance {$110.00} Credit limit {$120.00} Account number XXXX Date opened XX/XX/XXXX 2021
Product: Student loan

This is the second emailed letter to Navient asking for their review and assistance. I recently requested the paperwork showing my signature for the loan consolidation only to show that it was electronically signed ( paper copy given from Navient ). I have been paying this loan consolidation since XXXX/XXXX/XXXX starting amount was {$49000.00} and through payments over the last 9 years I have paid {$40000.00}. Your website says that I still owe at this time XXXX. you will notice from a review of my account that I have paid more that the minimum for years. I am requesting a review of my account as I feel that Navient is not acting in the bounds of federal loan guidelines and will be reporting my case to the US Consumers Financial Protection Bureau as well as other Government agencies for deceptive practices.
Product: Checking or savings account

On XX/XX/2021 I sent a payment through XXXX from the Capital One website. The payment went out on XX/XX/2021 and was due to be delivered by XX/XX/2021. 
On XX/XX/2021 the payee notified me that they had not yet received it. 
I checked the Help section on the Capital One website which states : " What should I do if the company I paid has not received or credited my payment? 
Sometimes a company may not credit your account immediately after they receive a payment. If the payment is not credited after two days, call the companys customer service line. If the problem isnt resolved, you can send us a payment inquiry on payments in XXXX XXXX History. We will contact the company on your behalf in an attempt to resolve the problem. '' First of all, there is no way to send a payment inquiry in XXXX XXXX  History. 
I called Customer Service and spoke with XXXX ( ID XXXX ), who was not helpful. He claimed that all he could do was issue a stop payment. He stated that Capital One does not contact any companies on their customers ' behalf when payments are not received in a timely fashion. 
It appears that the information provided in the Help section to reassure customers about the safety of using XXXX is phony and misleading.
Product: Bank account or service

CHASE CHECKING XXXX STEALS {$6.00} FROM XXXX XXXX DESPITE CHASE WAS ALREADY REIMBURSED {$6.00} BY THE LYING SELLER WHO CROSSED OUT THE BOOK I WANTED AND SUBSTITUTED A RANDOM BOOK HOPING I WOULD NOT COMPLAIN. SEE ATTACHMENT.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( block , inc . ) due to inadequate customer Service and unfair practice, Which violates the consumer Financial Protection act ( CFPA ). Specifically cash app Failed to take timely And effective measures To prevent an address Fraud on their platform Leaving my account Vulnerable and unprotected. Furthermore They 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 inconvenience And financial loss And I seek appropriate redress For these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I have disputed this account with XXXX XXXX XXXX and Synchrony Bank, which is the original creditor, the account number is XXXX. 
The XXXX failed to validate the debt and they sent the debt back to the original creditor. Suddenly, I received a XXXX form in the mail from Synchrony Bank, which I was really confused who acquire the debt was it, XXXX, or Synchrony Bank. 
Which a XXXX and Synchrony Bank both are reporting on my credit report from all bureaus with balances showing. 
However, I sent the original creditor a letter stating that the debt should not be reporting on my credit if I filed the loss on my taxes. ( See Attached letter from Synchrony bank ), which I do not agree to. This debt must be removed from all three credit bureaus.
Product: Money transfer, virtual currency, or money service

Its a PayPal accountI that I have {$4300.00}. Waited XXXX because they said they hold accounts for XXXX  days, called today to get the money transferred and they say they cant transfer this into my account cause my wife has her own PayPal account but share the same bank account, so I go to the bank open a new account and call again and now they tell me that they can not transfer the whole amount try a smaller amount and the charge {$25.00} dollars After they charge 3 % for fees for holding your money for over XXXX  days and then after all that my request to transfer my own money to my bank account is denied! How frustrating is this? And I dont know if when I will get my money! This is criminal I dont know how many people they do this to every day, but if this is criminal!