23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX just sold my loan to Mr. Cooper. I wasn't able to even ACCESS anything online for a long time because they had a data breach. I had paid {$1400.00}, and my credit union showed that Mr. Cooper had cashed the check, but when I called, the representative said I had not yet paid. I told them I HAD and they cited the system breach and said hopefully my funds would show up. According to Mr Cooper online, I would FINALLY have an online statement after the XXXX, so I checked after then but there is only a statement from the XXXX that says I owe them money. Their system shows I paid now, but the funds are unapplied. I've tried several times to find out what my current mortgage balance is, and the estimate after paying {$1400.00}, is having {$800.00} taken off what I currently owe. It has been nearly a DAILY struggle to get ANY information from them, and all I've gotten is excuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 @ XXXX ; XXXX i spoke to Equifax agent XXXX here she told me on XX/XX/22 a collection will be fall off my credit report. I decided to call back and request for it to fall off sooner and request acct deletion i called Equifax back on set date XXXX spoke to Agent XXXX where he put in a dispute for acct deletion before XX/XX/22 of Collections XXXX XXXX XXXX. 
Between XX/XX/22 and XX/XX/22 Equifax re added XXXX XXXX XXXX. I spoken to XXXX from XXXX XXXX XXXX where i was given permission to record conversation where XXXX stated they did not hit my report telling me Equifax must of done it. Equifax dropped my credit score XXXX points as of today XX/XX/22 i believe Equifax is harassing bully me by XXXX my credit.
Product: Credit reporting or other personal consumer reports

I have sent two letters requesting that my credit report be mailed to me and I have not received on report yet. They keep sending stall letters out requesting the same information that I keep providing.

In addition to these letters being mailed to the three credit bureaus, I have asked that my personal information be updated as my name, address, phone number, and employment information.
Product: Checking or savings account

I RECEIVED A CHECK FROM A LAWYER.  SAYING A LAWSUIT IN CLASS.  I WANT TO KNOW IF YOU CAN INVESTIGATE IF IT IS A POSSIBLE BANK FRAUD IF I DEPOSIT IT IN MY ACCOUNT.  
THE CHECK IS FROM HUNTINGTON NATIONAL BANK.  
AND SENT IT : 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

DESCRIPTION OF COMPLAINT : This is a formal complaint against Equifax located in XXXX XXXX XXXX, XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary XXXX  XXXX XXXX  distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Mortgage

My loan was sold to this company. They have 'fees ' that were not disclosed during the loan transfer. 

One of those fees was {$25.00} to obtain a pay off quote. The original mortgage company didn't have any fees. 

When I questioned the fee I was told it was 'required by the State ' and they would not remove it.
Product: Checking or savings account

Wells Fargo over charged my account back in XXXX with overdraft fees and NSF fees XXXX There was a mass claims lawsuit that I did not receive compensation and should have. I have proof of having an account and I tried to resolve this issue with them by phone and through CFPB before but they ignore and stall saying they need to investigate but then tell CFPB that they don't have access to the records when I can prove I had an account. I had two accounts one ending in XXXX and the other ending in XXXX. Both were free checking accounts.
Product: Mortgage

To Whom it May Concern : I am refinancing my home which has an existing HELOC loan associated with the mortgage. Both the original mortgage and HELOC are via TD Bank.

I am refinancing through Key Bank and chose to subordinate the TD HELOC loan. We now are approaching 90 days after submission of the subordination request without resolution. A timeline of events is outlined in a recent email sent by the loan attorney to TD bank below. The email string is attached as a PDF. 

I understand there is a large number of loans being refinanced and great demand on subordination process. However, I was led to believe by TD Bank that this process would take about 30 days. We have submitted all requested documents with <24 hour turn around. The customer service at TD bank has been very cordial and apologetic. The subordination division is only accessible via email, even for TD Bank customer service. 

Notably, my appraisal expired, costing me {$2400.00}. My rate lock has also expired. Collectively, TD Banks ( in ) action is costing me significant amount of money over the life of the loan. My loan officers tell me that a typical subordination, even in todays refinance environment, has taken about 15 days. 

Best, XXXX XXXX Account, AMCB Subordinations XXXX ; XXXX ; XXXX XXXX, I am in receipt of your email but I would like to, again, ask that you prioritize the processing of this subordination request that has been outstanding since XXXX. I have reached out to your department multiple times for updates without any response. I have summarized the timeline of the pertinent communications/events below : XXXXSubordination Packet sent via email and XXXX overnight with documents requested on the TD checklist form- was told it could take 30 days to process XXXX received a request for 2 additional items that were not required on the TD checklist : 1 ) payoff statement for 1st mortgage and 2 ) verification of tax bill payment. I promptly ordered a payoff and sent these 2 items back to the Subordination Dept within 24 hours ( on XX/XX/XXXX ) XXXX received an email from the Subordination Dept advising the file was being transferred to underwriting and to allow 7-10 business days XXXX received a request for a Preliminary CD ( another item that was not requested on the TD Checklist ) and sent this back to the Subordination Dept on the same day ( XX/XX/XXXX ) XXXX received an email confirming receipt of the missing document which I assume refers to the Preliminary CD requested ( and sent ) on XX/XX/XXXX with yet another request to allow 7-10 business days processing. ( see email below ) We are now nearing 90 days of processing without any progress. In my 15 years of practice, I have never seen a subordination request take this long. I have copied the borrower and loan officer on this email as I expect they will also be reaching out to management about the handling of this matter. In the meantime, please let me know as soon as possible if there is ANYTHING else you need to get this subordination request granted as soon as possible. 

Thank you, XXXX
Product: Money transfers

I found a deal on craigslist for a vehicle and and contacted the supposed seller. She ( or whoever ) sent me a text message asking for my email address so they could send me more info and pics on the vehicle. I did. She sent me info and a link to pics of the vehicle. She then told me she was in the military and that she needed to sell her vehicle asap. She said she was using XXXX as a third party so everything would be covered. I stayed in contact with her until I did the money gram and then she would n't reply to my emails. Also I got the invoice from XXXX and thats where the info to wire the money was at. I figured out it was a scam when I received an XXXX invoice for another vehicle but did n't have my name on it. It was being sold to another person. The address was the same for the seller but different names. Also I contacted XXXX and they have no record and do not sell vehicles, but I did report all the info on the names and supposed people invovled. My money was wire to XXXX state but picked up in another and I do n't understand that. I would love to get my money back but I know that wo n't happen but I would also like for this not to happen to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiry on my credit report that I did not recognize nor authorize. 
AMEX Bank Credit Cards XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items associated with my account. I believe these items are fraudulent, and I request their immediate removal and resolution. 

I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. 

Please acknowledge receipt of this complaint in writing within specified timeframe and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : 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
Product: Debt collection

I have communicated with them to see if I could negotiate my debt, but they have refused to come to a settlement and they are forcing me to pay the full amount. Right now, I have financial constraints and their actions have rendered me and my kids homeless. The agent threatened that I will never get this off my credit. Every time credit repair removes it, they put it right back. I think this is a violation of the fair credit act and I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 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, CA XXXX ; DEPTEDXXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; 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

I have not been able to file a complaint with them. The telephone numbers they supply are automated that try to sell you products with an endless loop of sales pitches. Here is the number Experian supplied XXXX. Call the number and see for yourself. I was unable to get a online copy of my credit report from them last year and also this year. Two years in a row.
Product: Credit reporting or other personal consumer reports

I have 3 hard inquiries in my credit report that I did never authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 For these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cardinal Financial Company NMLS ID # XXXX performed a hard credit enquiry without my consent. I phoned Cardinal. A representative said since you do not have an account with us there is nothing we can do. 
I did stupidly click on an add from Cardinal to try to see a rate and added my phone number. I received many, many calls from cardinal financial, none of which I answered. I did not ever give my consent to a hard inquiry or applied for a mortgage loan. When checking my credit through XXXX XXXX it read A mortgage Lender Checked your credit. You have until XX/XX/XXXX to get more offers without affecting your credit again. 
Underneath this statement it said Cardinal Financial Company. Again, I never applied for a loan or authorized a hard credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize the accounts on my credit report.
Product: Vehicle loan or lease

On Wednesday, XX/XX/XXXX I went to XXXX XXXX XXXX of XXXX to trade in my XXXX XXXX  XXXX and purchase a XXXX XXXX. I was told I was not approved for the XXXX but was approved for a XXXX XXXX XXXX. I signed paperwork showing that my payments were $ XXXX for 72 months and 18 % interest. I left that night in a brand new car. I was not given my signed paperwork as the finance guy said they were going to still look for a better deal with a lower interest rate. I brought the car back to the dealership on Saturday, XX/XX/XXXX due to the tire pressure light coming on, black smudges on the seats and to pick up my paperwork. I was told the papers werent ready and that they would give me a call. A few days later a received a call on Wednesday XX/XX/XXXX to come in and get paperwork. Once I arrived I was told that they had gotten busy and they did not need me. I would receive a call on Friday. XX/XX/XXXX I received a text stating they did not need me that day. Saturday XX/XX/XXXX I received a text to come in that morning. Once I arrived to the dealership I was then approched by the finance guy who was handling my stuff and was told that I actually was never approved for the XXXX Civic that I have been in possession of for almost 2 weeks. If I was never approved WHY ON EARTH would you allow me to leave in the car and put 600 miles on it?! I asked why none of this had been discussed the entire time the dealership had been asking me to come in and then leave because they didn't need me? I was then told that they found me a reall good deal on a used XXXX XXXX XXXX. I said no I did not want another used car and that I would rather keep my XXXX XXXX  and I wanted my down payment of {$800.00} back. I WAS TOLD NO I COULD NOT HAVE MY CAR BACK AND THAT I NEEDED TO LOOK AT THE USED CAR THEY WERE OFFERING. I looked at the car, and yes its very nice but still not what I came in for and felt like I was forced to take the deal because they could not give me my old car back. I was then told that my paperwork showing the XXXX payments of {$490.00} were a lie ... payments were actually almost {$600.00} a month. Payments on the used XXXX are {$510.00} a month, again not something I wanted. I was then told that they were giving me an extra warranty for the car free of charge. This was not the case, after having someone who used to work for XXXX review my paperwork, XXXX charged me an addiontial {$2500.00} on the loan for the said warranty. I AM SO UNHAPPY WITH THIS PLACE FORCING ME TO BUY SOMETHING I DIDN'T WANT.
Product: Credit card

On XX/XX/2024, I purchased an XXXX washer and dryer for {$1700.00}. I later learned that AmEx was offering a 4 % cashback for buying XXXX appliances. I signed up, since I made the purchase with my AmEx card, by the XX/XX/2024 deadline. Thus, I fulfilled all of the terms of this offer. However, AmEx denied the cashback on a technicality, b/c I signed up for the cashback after making the purchase. 

I didn't know about this cashback b/c AmEx does not advertise its cashback program. 

American Express has just agreed to pay $ XXXX to settle XXXX allegations of deceptive marketing, so my case seems to be part of a pattern.
Product: Debt collection

To whom it may concern, I XXXX XXXX are writing to you in reference to a charge off account with XXXX XXXX XXXX  whose collection agencies are XXXX XXXX XXXX XXXX, LVNV Funding LLC, and XXXX XXXX XXXX is reporting XXXX conflicting a collection amounts of {$1500.00}, {$1300.00}, and {$1300.00}. This creditor is performing unfair practices, in which has a negative impact on my credit report. This debt also exceeds the statutory limit for the state of XXXX XXXX, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Debt collection

I have just entered escrow to sell my home and discovered that XXXX has two illegitimate liens on my property. The credit card debt that the liens referred to is not mine. 
I have made several attempts to get XXXX to provide me with Release of Lien documents for me to provide to the title company, and they have not done so. Further, they have not responded to me regarding this issue or the supporting documents that I have provided. 

I am the sole owner of this property and debtor did not at the time, and does not now have an interest in the property. He did live at the property for a time, as he is my spouse. 

XXXX filed two separate judgments naming my spouse, one on XX/XX/XXXX for {$50000.00}, and another on XX/XX/XXXX for {$4400.00}. 

( also, both of these debts were filled into bankruptcy on XX/XX/XXXX, and discharged on XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Failure to Validate Disputed Debt ...  XXXX XXXX XXXX ... 
XX/XX/2017 - According to the complaint, XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) in a number of ways, including the following : Falsely representing the character, amount, or legal status of XXXX 's debt. Communicating, or threatening to communicate, false credit information.
Product: Debt collection

In XX/XX/2013, I was t-boned by a drunk driver and 2 weeks later I was rear-ended by a gentlemen who was texting his wife about a loaf of bread he had just bought. I had suffered many injuries and sustained a XXXX in my XXXX XXXX. The medical providers were told that they need to be contacted by my attorneys and that they were to not contact me due to a lawsuit in process. My attorney, XXXX XXXX, had settled with XXXX XXXX XXXX for {$2300.00}. I also have a copy of the check stub and letter that was sent to them. This debt has been paid off and the case has been settled. Please remove this from my credit report. I have sent them many letters, as well as the credit bureaus to remove this, but have not had any response. Again, this is very wrong of this collection agency to not remove this debt. I will be happy to provide copies of the check stub and letter stating what was settled amongst my attorney and the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to attached documents for detailed information! 

This account remains inaccurate and not properly reported on my consumer report as they are in VIOLATION of my RIGHTS!!!!! 

15 U.S. Code 1681a - Definitions ; rules of construction 15 USC 1666B 15 U.S Code 1681b 15 U.S Code 1681b 1681b-A ( 2 ) the reasons for the determination under subparagraph A and ( ii ) CONSIDERATION OF CONSUMER INFORMATION ( 4 )
Product: Checking or savings account

Wells Fargo has been charging me a monthly service fee of {$5.00}. Initially, the amount I needed in the account to avoid the fee was {$250.00}. However, at some point it changed to {$300.00}. They have charged hundreds of dollars in fees, while I have made XXXX cents in interest. I never would have agreed to the terms of this savings account, that has cost me far more money than I have " saved. ''
Product: Mortgage

On XXXX XXXX, 2015 I made a payment for my home loan to XXXX Mortgage in the amount of {$1300.00} for the months of XXXX 2015 bringing my home loan current. On XXXX XXXX ,2015 my loan was sold to Seterus. I made XXXX payment to Seretus in the amount of {$700.00}, which was received, and cashed. I received foreclosure letters from Seretus, resulting in me making a phone call into customer service on XXXX XXXX XXXX. The customer service rep stated he could see that I made my payment to XXXX bringing my home loan current, BUT they applied my payment incorrectly to the principal. Which then leaves an additional {$240.00} that I have to pay to Seretus. He stated even though they know its incorrect they can not change it on their end due to the fact it 's how the loan was sold to them? I stated so I have to pay an additional {$240.00} that I do not owe, and their answer was yes. I have receipts for the payments made to XXXX, and Seretus. How can they legally do this? I am a single parent, and it will be hard for me to come up with an additional {$240.00}. Seretus stated if I do not pay this amount to them, then they will move forward with foreclosure proceedings? The payment I made for XXXX of {$700.00} is being held in a suspense account ( {$500.00} ) until the additional is received. So this is showing XXXX payment has not been received. The Seretus rep was very rude, stating he do n't see why I can not just pay the amount if I want to stay in my home. I also asked if I could pay an additional {$50.00} a month on top of my monthly payment of {$690.00}, and was told no I dont qualify for a repayment plan ( even though I do n't owe them in money )!! This has been a horrible experience with them from the start! If they are capable of doing this, then I am scared to see what else they may get away with. I have been in my home for 16 years, and have plans to stay!