23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, I accidentally, thru my personal bank, XXXX website, submitted XXXX mortgage payments in the amount of {$2500.00} each payment toward my XXXX payment to Home Point Financial. These payments were submitted on XX/XX/XXXX and XX/XX/XXXX. 
Upon realizing this error, I contacted Home Point Financial. We both agreed that there was an overpayment, and agreed on a refund. We agreed that out of the {$2500.00} that {$1300.00} would go toward an escrow shortage, and the remaining {$1100.00} would be put toward my XX/XX/XXXX payment. I have a letter from XXXX XXXX which shows this agreement. 
On XX/XX/XXXX, I submitted a payment of {$1400.00} to go along with the {$1100.00} that XXXX XXXX agreed to move toward my XXXX payment, which would have kept me up to date on my monthly payments. 
As of XXXX on XX/XX/XXXX XXXX XXXX has not moved the funds as they agreed to do. They are considering the {$11000.00} a partial payment and are not applying it to my XXXX XXXX payment. They have not yet moved my extra payment out of Principal toward my escrow shortage or my XXXX payment as they had offered and agreed to do. This is now causing a showing of a delinquency on my part. 
I am in the process of trying to refinance my mortgage through a private lender, and now my most recent mortgage statement is showing a late payment. 
I have reached out to XXXX XXXX a total of XXXX times to resolve this issue and it is still not complete. 
at XXXX on XX/XX/XXXX I made a payment in the amount of {$2600.00} from my checking account to XXXX XXXX just to not end up having a 30 day late payment against myself. I was given a confirmation number of XXXX from the representative over the phone. I asked for an email confirmation and she was told she was unable to provide that to me. 
XXXX XXXX as of this email has an extra payment of {$2500.00} plus a partial payment of {$1400.00}, along with the payment I made tonight in the amount of {$2600.00}. 
It has been over 30 days and XXXX XXXX has made no attempt to resolve this in a fair amount of time. 
They have had actually more money than needed and yet still causing a delinquency to show on my end!
Product: Money transfer, virtual currency, or money service

I have a Bitcoin account with XXXX/Coinbase. I sold a large sum of Bitcoin recently, over {$700000.00} worth to be exact. They have a daily limit of {$10000.00} for withdrawals to a checking account. They also have a notice that if you need more, simply fill out a form. On XXXX XXXX, 2017, I submitted that form. I am in the process of purchasing a new home and the relocation company that is selling the home requires that I have the money in my checking account, as I am paying cash for it. The relocation company is getting anxious in that they believe I am trying to defraud them in some way. I 've sent XXXX/Coinbase several emails in addition to the form I submitted previously telling them that I am trying to purchase a home and that I need MY funds that are sitting in my account. They always respond with a reply stating that they are very busy and will get back to me shortly with an answer. 

I need MY money and see no reason why there is a limit to how much I can withdraw in a day. I started several days ago withdrawing {$10000.00} each day but this will take me 70 days and I 'm sure the relocation company will not wait. 

Can you help me? Like I said previously, I see no reason as to why they can not at least give me total access to MY funds.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report & I was shocked to learn that my credit report is reporting inaccuracies. This has been hurting me because I am currently in the process of trying to purchase a home for my family. Please remove these inaccurate accounts from my Transunion report as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  & dismissed XXXX ) amount owed {$0.00} XXXX XXXX XXXX ( misfiled/discharged & dismissed XX/XX/XXXX ) amount owed {$0.00} Pursuant to USC 8 , I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681 b. 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4 Also, if said verified i would like to be sent info on how these accounts were verified & what process was used to verify the info.
Product: Checking or savings account

On XX/XX/year> I sent a check for {$1400.00} to my landlord for rent using Bank America Bill Pay. 
On XX/XX/year> {$1400.00} was removed from my checking account. 
My landlord deposited the check but never received the funds because the cashiers check bounced. 
As of today XX/XX/year> my landlord was never paid and Bank America refuses to return the funds to my bank account. 
They refuse to return the money or explain what they did with it. I also can not file a dispute as the charge is not eligible. 
I want my money back now
Product: Money transfer, virtual currency, or money service

I no longer have access to my own phone number for people to use to look my profile up. I have not been able to be found by my personal number that I have had for over 15 years, when I reached out to zelle to understand why my number is not allowed they never gave a explanation or responded. To this day I still can not use my own personal number and they have never rectified the problem. It has caused me to miss money from trusted individuals and I have experienced financial hardships due to the delay.
Product: Mortgage

Hello, The Borrower has been approved for a short sale which was scheduled to close on  XXXX . During a review of the preliminary title report, there were liens on the property which the Borrower believed to have been dismissed in a bankruptcy which the Borrower filed in   XXXX  .  <P/> Upon further investigation, even though the money owned on the liens were in fact dismissed by the Court, since the liens had been filed prior to the  Borrower 's bankruptcy, the liens remained on title. Thus, the Borrower was not able to produce a c lean title and consummate the close of escrow by  XXXX .  <P/> In order for the Borrower 's to produce a clean title, they hired an attorney to re-open their bankruptcy case and file a Motion to Remove the Liens. The Court granted the motions on  XXXX  ; however, the Bankruptcy was only closed on  XXXX . During the period of the Bankruptcy, the Buyer 's lender was not able to process his loan because the property was still under Bankruptcy protection. Thus, the Buyer 's lender asked for an extension to  XXXX  in order to allow them adequate time to process th e Buyer 's loan. The lender has scheduled a Trustee Sale  on  XXXX  ; however, they declined the Borrower 's request for the extension.  <P/> My broker, escrow, title,  the Buyer 's lender, the HOA have al l put our best efforts to close as scheduled ; however, there have been unpredictable circumstances beyond our control that have preventing us from doing so. The parties have actied in good faith and the delay in closing in not a result of any willful neglect or negligence.  <P/> Thus, the Borrower hereby requests that his request for extension be granted so that he can conclude the short sale. Considering all the facts that have prevented him from closing sooner, we are confident that we can close the transaction before the sale date of  XXXX .
Product: Checking or savings account

I reported an unauthorized transaction on my Wells Fargo account. Wells Fargo denied my claim XXXX without providing sufficient evidence that i authorized the transaction. i requested specific proof ( such as IP addresses, device ID 's, time stamps, or location data ), and Wells Fargo stated that they will send a letter within XXXX days, but my claim was already denied without those documents. 

The XXXX time I followed up, I did not receive a letter after a week so I called and I was told it was denied over the phone. The representative in the claims department who assisted me was named XXXX.
Product: Money transfer, virtual currency, or money service

I have been trying to contact Coinbase about my account since XX/XX/2021. I've called them every few weeks. We've spent hours and hours and submitted XXXX identification. 
They locked my account because I no longer have my old phone number and I've talked to well over 13 people who have no authority to do anything to my account. They promised to escalate my account and no one takes any action. Every time I call it's an hour session w/ a new Account service person where they have to comb thru the history and they will take no action to withdraw my money. The process usually ends when the phone disconnect and I have to call back and start over. There is {$840.00} in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting these accounts that should have been closed and still on my credit report reporting inaccurate information I am tired of my report looking bad due to fraudulent activity. Someone had my information and got a loan that still remains on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I was at XXXX inquiring about purchasing some kids watches, not financing, and the girl behind the counter said she needed my ssn to price out ( as a quote, not sale ) how much per month they would charge us for service for the watches. She assured me there would be no credit check, it was just for reference BUT 10min later XXXX XXXX alerted me that I had a hard credit inquiry on my Equifax account. I did not authorize that to happen and want it removed please!
Product: Mortgage

For the second time in two months, USAA/XXXX  has failed to appropriately apply my payments. I made a payment on XX/XX/XXXX, using the USAA/XXXX  system, which ONLY allows me to make the current payment and either pay into additional principal or pay into additional escrow. I paid {$640.00} for the current mortgage payment and an additional principal payment ( CLEARLY MARKED IN THEIR SYSTEM ) of {$640.00}. FOR THE SECOND TIME IN AS MANY MONTHS, the mortgage company illegally applied the funds as an additional monthly payment, pretending NOT to understand what is meant ( in their own system ) by " Additional Principal ''.
Product: Debt collection

I feel like I'm being taken advantage of being ignored of my disputes!! I already dispute this account as I can see that you are reporting inaccurate information. This is not mine please remove this account immediately.
Product: Debt collection

The original creditor is XXXX XXXX which the debt was in the amount of {$10000.00} on a car loan. XXXX has reported my debt as a charge off and i never recieve a 1099-c form. After XXXX put my debt as a charge off They sent my debt to NCB management and they are illegally coming after me for a debt that been paid off.
Product: Checking or savings account

On XX/XX/2022 I noticed an unauthorized check draft posted on my checking account for $ XXXX immediately filed a complaint with Citibank but they never seems to care to go through with the investigation I tried to inquire every 2 weeks to see how the case is going but always end up on a dead-end. Now after 5 months they're telling me that the case was denied please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to correct 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 and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$660.00}
Product: Debt collection

I have contacted Synerprise Consulting by phone on XX/XX/XXXX to resolve this matter. This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1300.00} with XXXX, XXXX XXXX XXXX XXXX credit reporting agencies. 

This debt should have never been in collections with original creditor. Synerprise Consulting has been notified and it has not been taken off my credit report. The original creditor XXXX XXXX XXXX never submitted a claim to insurance for services rendered on XX/XX/XXXX at XXXX XXXX XXXX, XXXX, Texas. If they would have, the bill would have been covered 100 % as I did not have a deductible remaining. After contacting XXXX XXXX XXXX, they have charged the bill off siting their mistake and not submitting a claim to my insurance in a timely manner ( in accordance with Texas laws ). The collection by Synerprise Consulting should have never been put on my credit report and is now categorized as a charge off/collection '' which is negatively impacting my credit report and score.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 section 2 states ; In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.Furthermore, 15USC Section 1681b ( permissible purpose ) restricts the circumstances under which consumer reporting agencies like XXXX, XXXX, and Experian can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. " The furnisher of information does not possess written consent from me to access my personal information.

Therefore, Per the FCRA as a federally protected consumer, I am now opting out immediately and indefinitely of any and all transactions I the consumer may have given unknowingly. Written, Unwritten, verbal, or non-verbal per 15 USC 6802 for account XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) ( XX/XX/scrub>/2024 ) BANCOPOPULAR ( XXXX ) ( XX/XX/year>2024 ) XXXX  XXXX ( XXXX ) ( XX/XX/year>2024 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted transunion and sent letters multiple times for three inquiries that I did not authorize transunion keeps telling me I need a letter from the company I have contacted all three companies and unable to get any assistance because I do not have an account with them
Product: Student loan

They withheld information. My loans were consolidated with XXXX and a few days later, I started receiving mail from Navient saying my loans without my permission. Also, in XXXX I received a call from XXXX XXXX saying they were about to garnish my wages because my loans were in default. Never in my life have I allowed this to happen. They actually left my apartment number off the address. My phone number was the same number I had since XXXX, so I 'm not sure why I was never called until it was too late. I then had to pay almost {$100.00} for 9 months before I could go back into a repayment plan. This website will no allow me to submit the complaint using the option 'Getting a loan ' option. Taking me to XXXX page on XXXX.
Product: Credit reporting or other personal consumer reports

In response to the recent investigation findings, I express my disagreement and request thorough accuracy in the review. My dissatisfaction stems from a belief that the efforts to contact the creditors reporting the accounts on my credit report were insufficient. Consequently, I am seeking additional information about these specific accounts : XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$7900.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$4100.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$4200.00} XXXX : XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$7700.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$3700.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$7700.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$4200.00}. As previously mentioned and in accordance with the provisions of the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, I request a re-investigation of these disputed accounts. Additionally, please provide the names and addresses of the individuals or entities contacted during the investigation. According to 15 U.S.C. Section 1681i ( 5 ) ( A ), you have XXXX ( XXXX ) days from the receipt of this communication to complete these actions unless I am notified otherwise. It is important to note that failure to verify these accounts within the allotted time frame constitutes non-verification, necessitating prompt updates to my credit report in compliance with Section 1681i ( a ).
Product: Mortgage

My wife XXXX and I ( XXXX XXXX XXXX ) refinanced mortgage on home loan in XXXX of XXXX. Went from Prime Lending, A Plains Capital Company to XXXX bank for my mortgage on home at XXXX XXXX XXXX XXXX XXXX SC XXXX loan # XXXX A disbursement check ( # XXXX ) from escrow was mailed out on XX/XX/XXXX in the amount of {$3400.00} from Prime. The check was lost in the mail and I received it in XXXX of XXXX and could not cash check because it was older than 180 days. I called Prime to reissue the Check on XX/XX/XXXX. XXXX indicated there was no problem and they would reissue check. 

I have been trying to get that reissued check for 2 months with no success. ( Prime claims there is a glitch in their system ) I have called Prime in excess of 10 times over this period. 4 supervisors over this period were to have called me with how they were going to expedite the check. Not one of these supervisors ever called. When I asked for a number I could call to get a supervisor I was told numerous times I would just have to keep calling the main customer service number and get transferred to a supervisor. This was not true. All call center reps work from home. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Prime loan # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested some disputes and I was told that they would investigate and get back with me to no avail my credit score was and is still dropping
Product: Money transfer, virtual currency, or money service

I can see a identity theft of my account. I also had documents pertaining to my account with a XXXX and XXXX XXXXXXXX XXXX data breach reported to XXXX and my account was trialed without a jury and violated my account rights in litigation. I asked to follow up with my account and check my investigation out with my bank fraud papers. I posted some money to my account and received a bank report erroring my account. Some reports from XX/XX/2022 showing XXXX XXXX XXXX hacked my personal account with bankruptcy errors leaving my account unstable with XXXX XXXX and XXXXXXXX XXXX XXXX. Showing my report was declaring fraud from XXXX XXXX XXXX and XXXX XXXX research. Cryptocurrency from my XXXX
Product: Credit card or prepaid card

I disputed a transaction for a service that I never received for {$2400.00}. On top of this charge, the dog training company charged us a {$370.00} cancellation fee even though the cancellation was out of our hands. These charges were posted on XX/XX/22. Although I spoke to multiple employees, I received a letter in the email saying that the dispute was unsuccessful because the trainer put that we were going to use her services in the future and wanted to reschedule. After continuously trying to reschedule and not being able to get in contact with the trainer, I reached back out to see why the dispute was denied. I was told to send more information in explaining what happened and to write a letter saying that I never received the services. 2 different people told me this. I then received notification that the employees were incorrect and the matter couldn't be reopened.
Product: Money transfer, virtual currency, or money service

Wire was inciate on XX/XX/XXXX through the online banking. On XX/XX/XXXX wire was place on hold and no further explanation was giving. I contacted the bank for more details but unfortunately no body can give me a direct answers on why the wire was stop. After my calles I got an email regarding recipients information which I provide the same day. Until this moment I have not receive any further explanation regarding the wire. the wire transfer is to make a payment to an individual providing service in a land in P.R. Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit reports and found items that do not belong to me, so I contacted the credit bureaus. I sent them my dispute letter along with the ID theft report and it has been more than 30 days since then. But I never receive any response as of this writing. I am asking fopr y our help coz those items are ruining my creditbility. Please remove them from my file
Product: Credit reporting, credit repair services, or other personal consumer reports

This has occurred twice in the last two years. My wife or I apply for a loan ( XXXX XXXX, XXXX XXXX XXXX  ) and within a few days both of our primary credit cards ( each under our own respective names ) are compromised. Someone in Texas tried to use my wife 's care to make large purchases. I had someone from Califormia try and charge {$10000.00} dollars on my card to a car dealer in South Dakota.

Two separate lending companies with one common issue, they both used one of the three Credit reporting agencies - XXXX, XXXX  and Equifax.

One ( if not all ) of these three companies is responsible for compromising my credit cards. There can be no other answer. 

How do I deteremine which of them are responsible and hold them accountable?
Product: Debt collection

Your company is impairing the efficiency of the banking system, do you want to be accountable for that? You have an obligation to meet my needs. You have an obligation to conduct yourself in a manner that isn't fair and equitable to me. You have an obligation and a duty to ensure that this information is accurate and relevant. The continued reporting of such information means improper utilization of my information. 


XXXX data breach I am promised accuracy in my report based on federal law I am making this call as another attempt to have these errors corrected on my consumer report. Under 15usc 1681 all valuable accurate information should be removed as you can see in your system you can't see this information in your system I will ask all negative remarks, hard inquiries, and collections be removed.
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 violate 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.