23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

A fee of {$20.00}, labeled as a " property inspection '' charge, was imposed by Newrez dba Shellpoint without any prior notice, explanation, or evidence of an inspection being conducted. Upon inquiring about the frequency of such inspections, a representative indicated that they could be conducted " anytime we deem it necessary. '' When asked whether it was hypothetically possible for them to deem it necessary and bill {$20.00} for 30 consecutive days, the representative confirmed that this was indeed possible. 

In response to a request for documentation authorizing such charges, the representative provided a note signed with the original mortgage company 18 years ago, which does not explicitly authorize these specific charges. Furthermore, during a previous mortgage payment made over the phone, no mention was made of this property inspection fee. This fee is not listed on the company 's website, and it can not be paid online, requiring payment via phone or check instead. 

The legality and fairness of such a fee, imposed without clear authorization and seemingly at the discretion of the company, are questionable. How can they impose a fee without clear contractual authorization and with no transparency in its application?
Product: Credit reporting or other personal consumer reports

I urgently appeal to you to swiftly eliminate the unauthorized accounts from my credit report, as they were not authorized by me and are causing me significant distress. Please rectify this error promptly.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD A FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, IT'S HURTING MY ABILITY TO OBTAIN CREDIT. 

ACCORDING TO 15 U.S.C 1692c ; YOU HAVE VIOLATED MY RIGHT BY IN LAWFUL COMMUNICATIONS. PLEASE REMOVE THIS COLLECTION ACCOUNT FROM MY CREDI REPORT. 


ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XXXX XXXX, XXXX STATUS UPDATE : XX/XX/XXXX BALANCE : {$200.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX STATUS UPDATE : XX/XX/XXXX BALANCE : {$4900.00}
Product: Credit reporting or other personal consumer reports

I've recently reviewed a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Student loan

I contacted my loan servicer, Navient, regarding the Deferment for Active XXXX  Treatment Act ( as signed into law Sept 2018 ). I was diagnosed with XXXX XXXX in XX/XX/2018, and only recently learned of this provision which allows borrowers currently receiving XXXX treatment to have their student loans placed in deferment. I contacted Navient on XX/XX/XXXX to discuss this option. I was told initially that no such program existed, but after insisting, was then told that Navient has no application in place for this " since it is so new '' and therefore I can not qualify at this time. After further insisting, I was told that they could place my loan into temporary forbearance until such time as the " federal government '' makes an application available. If I understand correctly, while my loan payments are now suspended, Navient is continuing to charge interest on my loans ( while under the deferment this would not be the case ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name and number : 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 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 XXXXXXXX ) 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 AFNI ( Original Creditor : XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit card

We paid a Capital One credit card off in full on XX/XX/XXXX in the amount of {$6000.00}. This was the full amount on the card leaving a {$0.00} balance. The due date was XX/XX/XXXX so our payment was ahead of the due date. On XX/XX/XXXX, about a week and a half later, we get a notification a {$75.00} interest charge was added to our account. Interest on what? The balance was {$0.00}. When I attempted to contact Capital One the first person I spoke to realized we had paid ahead of the due date and they forwarded us to someone else. The next representative attempted to use the excuse the interest charge from prior months. Again, the balance was {$0.00}. We paid it in full. We believe this interest charge is not valid and they refused to refund.
Product: Checking or savings account

L am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fee I have incurred. Despite having Sufficient funds when transactions were authorized. I was charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

After making several requests by telephone and by letter, " JPMorgan Chase Bank , N.A . '' has not provided a : 1. Copy of the " Mortgage Loan Payoff '' letter ; and 2. " Closing Statement '' that lists all the " charges '' and " credits '' that were applied by the bank to fully payoff the mortgage loan. 
As a result, there is no way to check the " charges '' or " credits '' as to being correct. 
I paid {$5400.00} Chase on XXXX/XXXX/15 and Chase refunded {$3.00} XXXX/XXXX/15. 
Chase sent a letter that stated that the loan was fully paid off, but Chase did not provide any final accounting of how a payment of {$5400.00} resulted in a return of {$3.00}.
Product: Credit card or prepaid card

TWICE since receiving a credit card from Bank of America, they have pulled a credit report on me, and then sent me a letter regarding another credit card from them that I have applied for. They follow up with a letter to call them to verify the information on the application. 

I have NOT applied for any other credit cards from BofA. In both cases a called the number on the letter, told them to cancel the application, remove their inquiry on my credit, and to not do it again. 

If they want to try to get me to sign up for another card, they should contact me first and get my approval to check my credit, not the other way around.
Product: Debt collection

XXXX placed a collection debt which does not belong to me. I have mailed a written request asking for validation of the items and have not received assistance or information to dispute the items.
Product: Credit reporting

There are XXXX liens showing up with Equifax which only list XXXX Release of tax lien XXXX {$23000.00} and XXXX XXXX same {$23000.00} different doc numbers and XXXX also list XXXX {$3100.00} These were a mistake that have been resolved, I even went to the court house. I explained that numerous times, XXXX removed all. What do I need to do so these XXXX agencies comply with the law. These were filed in error no tax liens existed on my business.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, sent Experian and XXXX a dispute letter 5 months ago regarding inaccurate information on my credit report. The accounts have yet to be verified and are still reporting. One account in particular was removed from my XXXX credit report last month, but Experian and XXXX have failed to remove it. The account is collection XXXX XXXX XXXX XXXX. I am requesting that Experian and XXXX follow suit and delete this unverified account. I am also demanding an investigation of the accounts listed in the dispute letter which I will attach for your reference. The letter is dated and time stamped. Investigate and remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Letter requiring your urgent wisdom and assistance because of the Harassing and Negligent acts ignoring all legal documents of resolve by the Bureau of Consumer Protection by : Di Tech Financial LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Phone XXXX XXXX Fax XXXX XXXX Account # XXXX There was a complaint registered by myself on XXXX XXXX, 2015 about what was then Green Tree Servicing, LLC - BCP XXXX. It stated that Green Tree reneged on a written mortgage agreement of payment. The result was that Green Tree DID NOT solve any of the issues but sold my account to DiTech Financial, LLC dispite the written resolution in the concluding documents of the complaint. I have not missed one payment, continued to pay DiTech, but they have continuously harassed me from the time they received my account with at least 100 calls per month and with each payment that I make I have still been penalized with so many late fees that it adds up to monthly payments. This is occurring even thought I have made over the required payment each month consistently since being pushed into this company. To make matters worst they have just sent me a threatening default notice without applying any of the over payment monies to the account. 
1. They have refused to follow the resolution of the case documented. 
2. They are still demanding another months payment or else. 
3. They are ignoring the over payment in my account 4. Keep charging me late payment on payments received as promised ( end of month ). 
5. Collecting these late charges until they become as big as monthly payments. 
6. Using the charges to push me into negative status and harassing default notice. 
I have followed all documents to the letter and number and Di Tech Financial, LLC as well as Green Tree Servicing, LLC before them have continuously ignored all the legal documents and aggressively done what they wanted, as they are now trying to force me to foreclose on my house. 
I seek your wisdom on this immediate matter as they, Di Tech Financial, LLC, is giving me 30 days in their latest harassing default letter to respond with a payment that is in error ( especially since on the day that their letter was created I MADE A DOCUMENTED OVER THE REQUIRED MONTHLY CONSISTENT PAYMENT. ) Eagerly waiting your response, 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, XXXX. XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled My credit report and seen that I had a lot of unknown addresses from XXXX Ga and credit inquires and a filed Bankruptcy in my name. I have no knowledge of these accounts, addresses and inquires.
Product: Credit reporting or other personal consumer reports

I have accounts that are listed on my credit report that are not mine and were never initiated by me at any given point. These accounts are a result of identity theft and NEED TO BE REMOVED EFFECTIVE IMMEDIATELY. I am aware of my rights under section 605b and according to 15 USC 1681a2 I did not give permission for these fraudulent accounts to be furnished on my credit report, therefore TransUnion is in violation of the fair credit reporting act under section 605b and 15 USC 1681a2.
Product: Credit card

I Called PayPal on or around XX/XX/XXXX when I noticed when my payments were not going to the promotional balances like they should have been. I had purchased multiple items over the months with the no interest for 6 months if purchase was above {$100.00}. Also had a purchase that had 24 months of no interest. I was making payments of {$200.00} a month for multiple months thinking it was going to the promotional balances that were to expire the soonest. Turns out they were putting all the payments to the 24 month no interest balance and none of it towards the other balances at all. I had well over a year still on the 24 month promotion to pay it off. while now I have less than 2-3 months to pay off the other promotional balances that should have been paid off already. When I contacted PayPal they told me I have to call every month after making the payment to put the balances towards the payments I want them to go towards. They do not automatically put it to the promotional balances that are about to expire. I asked them to move the payments to where I wanted them moved. Was told they could only move the last 2 months worth of payments towards the promotions I requested. So went ahead and did this. Was told it would take a few weeks to reflect on the APP. Thought problem was solved as best as it could be. My next Payment went through for my XXXX statement. So I checked my account to see that it still hasn't been updated or reflected on my account that they moved my funds to where I asked them to. So I called them up again, on or around XX/XX/XXXX. At this point the person told me it takes a full statement for the updates to reflect that I need to wait for XX/XX/XXXX for my updated statement to show that they did move the {$400.00} to pay off the balances I requested. I got my new statement and it is still not reflecting my balances as it should be. It is still saying my XXXX promotional balances are not paid for. While there is no way to know how to move my last payment around since even PayPal can't tell me what is or isn't paid for. I will attach my statements showing the promotional balances and how they put the payments towards the 24 month promotion and not towards any of the ones that are to expire sooner. Along with even after calling them over the issue and was told they would move the last 2 payments to pay off my Promotions expiring in XXXX that they didn't move the payments to pay them off, or has the reflection of been updated in over a month eve asfter being told it would be on my next statement.
Product: Credit card or prepaid card

I received a letter from XXXX XXXX XXXX dated XX/XX/2018. The letter states I applied for a credit card with them for a XXXX XXXX XXXX. I did not apply for a credit card. This is a fraudulent attempt to obtain credit in my name. My credit report is suppose to be frozen and not allow this but it did. My credit report shows a high number of inquiries. I did not apply for these. I have written the companies that have attempted to fraudulently use my name to obtain credit. I have written the credit reporting agencies. It continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

There 8 total accounts regarding student loans from 2011. Four are closed with no balance but legally should be removed as they are over 7 1/2 years old. The next 4 are duplicates but showing as active. These also legally should be completely removed as they are over 7 1/2 years old but show as current. They are all Department of Education accounts. The following are open dates and amounts : XX/XX/11 {$4500.00} ; XX/XX/11 {$4700.00} ; XX/XX/11 {$7100.00} and XX/XX/11 {$890.00}. 

I have repeatedly asked all 3 credit bureaus to remove these from my credit report, with varying results. The above statement reflects my XXXX credit report.
Product: Checking or savings account

My cell phone and debit card and identification were stolen and transactions were made on my account. Someone was using my phone to call in and access certain departments within Bank of America and authorize gift card transactions on my account. I disputed these transactions and Bank of America denied my dispute before I could even submit a police report. I never Gave anyone permission to use my card and whoever stole it did not have the pin number so the pin number could have not been used to make whatever transactions were made so therefore I was not negligent at all
Product: Vehicle loan or lease

I had a vehicle loan through security service federal credit Union. Included in my loan was gap insurance. The DEF system went out on the truck which cost around {$5300.00} to repair. I notified the bank and asked to add it on to the end of my loan. I authorized the repairs to be done due to XXXX regulations, which I have to uphold according to the loan contract. I was out of town on business with my dad and when the repair was done I told the bank to go pick it up so they didn't put a mechanics lien-on it. When I got to the bank to sign the papers they told me it was too late that they had already sold my vehicle with all my tools on it. I went in several times saying you couldn't take my vehicle while I was currently on all my payments. So I'm out of vehicle, I'm out all of my tools that I made a living with, I'm out of a job, and I'm out of a way back and forth to work. XXXX XXXX didn't cover me nor did my full coverage insurance through XXXX. Who allowed someone to add their email to my accounts, which allowed them to do account takeovers on all accounts with the credit unions that I did business with. I'm scared to take out any loans now. I'm scared to buy any insurance. I learned from my mistakes by having liability insurance and I guess I'm a fool for buy full coverage. No credits, compensation, or reasonable offer have been made. And if so, how am I supposed to know if they allow account takeovers without ever letting me know. I went from {$50000.00} a year to homeless and less than {$50000.00} over the past 5 yrs.
Product: Credit card or prepaid card

In the spring of XX/XX/XXXX, I got a XXXX XXXX XXXX credit card ending in XXXX. Everything seemed to be going along fine with only one blip in XX/XX/XXXX when I did not receive a stmt. This was resolved and fees and interest were credited back to me.

Then in XX/XX/XXXX there was fraud activity on the credit card. This seemed to happen when I went to XXXX XXXX, CO in XX/XX/XXXX. Evidently someone, somehow, advanced {$2000.00} to a US Bank Silver Checking account ( I don't have one of those ), and that amount was charged to my credit card ending in XXXX. I reported it immediately and was issued a new credit card ending in XXXX, and the Silver Checking acct was closed by US Bank.

I told them that I did not want another credit card, and I never activated that card. Nevertheless, I received a stmt dated XX/XX/XXXX for card ending XXXX with a credit of {$1900.00} and rec 'd another stmt closing date XX/XX/XXXX with the same credit amount. I called US Bank soon after receiving that stmt, I did not get a name or an exact date at that time as I never expected their accounting department to be so inefficient. I let them know that there should not be a credit on my account as the {$2000.00} fraud activity was not mine to be credited, and I never paid that amount to US Bank to earn a credit from them.

I thought it was over until I received a stmt closing date XX/XX/XXXX for yet another credit card # ending XXXX. This stmt also showed the same credit as did a XX/XX/XXXX and XX/XX/XXXX stmt. Then, to my surprise, I received a check for the amount of the credit. Check # XXXX, dated XX/XX/XXXX from Cardmember Service agent for US Bank Nat'l Assc. I did not cash the check and still have it.

Then closing date, XX/XX/XXXX, I receive at stmt for acct ending XXXX with a new balance of {$2000.00}. SNAP! This was the amount of the original fraud. I have called twice now and talked to XXXX, and XXXX, XXXX  and was not helped either time. Their phone tree is onerous, and the redundancy of their questions when switched from person to person is far too aggravating for words. Now, the stmt for closing date XX/XX/XXXX shows a balance due of {$2000.00} because of interest and fees. I give up getting anything done with these folks. I do not owe anything to my knowledge to US Bank. The {$2000.00} was fraud and was reported as such immediately. Every time I call and talk to someone at US Bank, I get another card, and the situation gets worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 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 XXXXXXXX has violated my rights.

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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My credit reported a drop in my credit and when checking, I noticed a bunch of hard inquiries that hit my credit. I did not authorize any of these inquiries therefore I do not know why they were able to hit my credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their 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 Election Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.