23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Early last year I was charged over {$700.00} worth of multiple {$34.00} overdraft fees. I had explained to representatives multiple times that they just decline my card if I didnt have the funds. Every time I called they stated that would happen. Instead they allowed transactions to be approved stating they had no control over recurring payments etc. and charged me fees every time they approved. I contacted them several times and they refused to refund, eventually closing my account and sent me to debt collector who call me daily to pay a balance that they claim I owe. Which is all just Wells Fargo Overdraft Fees.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED INQUIRIES XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX
Product: Mortgage

I just called about the fact that Homebridge keeps messing up my forbearance. I asked for one in XXXX and still had to pay my XXXX house note because I didn't see where it had taken effect online. It took over a month to get my money back. They said I have one month of forbearance on file. I just called this week to start a forbearance again and was told I would get five months. Then I kept getting calls from Homebridge telling me to call in. I call in and the rep tells me that my forbearance ends XXXX and that I have had one from XXXX to XXXX, which is inaccurate. I did not have a forbearance. I did not apply for forbearance until this week. I paid my house note every month from XXXX through XXXX. Please HELP! I have asked for a supervisor to clear this up and am getting that this has to go through loss mitigation. LOSS MITIGATION!!!! There is no loss as I haven't had forbearance a single time yet. They keep messing it up. Is this a scam? I am filing with XXXX and getting legal assistance if necessary. I would like for them to correct this asap.
Product: Checking or savings account

Submitted Wells Fargo mediation request form on XX/XX/year> and received letter mid XX/XX/year> that request was received and 30-60 days for mediation. 

Received email on XX/XX/year> that mediation request received and another 30-60 days to mediate.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is appearing on my credit report. Despite my best efforts, I have been unable to verify why this account is reflecting on my report. This situation has not only caused me undue stress but has also resulted in denials and questioning of my credibility by lenders. It is imperative that this issue be rectified immediately. I demand a thorough investigation into the legitimacy of these accounts and request solid proof that they indeed belong to me or were initiated by me. Without such evidence, I insist that these accounts be removed from my credit report without delay.
Product: Debt collection

Midland Credit Management contacting me about a debt that i allegedly owe to XXXX XXXX XXXX I have asked them to verify this debt as per FDCPA they have not done that. I have no contactual agreement with them, I do not owe any money to them. They are in violation of FDCPA yet they are sending me threatening letter to sue. I am very distressed I would like for them to show me how I owe them this amount in detail or Cease an Desist all communication and effort to collect this alleged debt. 
I have done some research on this particular collection agency they are clogging Georgia court system with hundreds of law suits, in many instinct in violation of collection law. it is about time some one pays attention to their collection practice and give relief to consumer who are already in trouble during this unprecedented time
Product: Student loan

Reached out to Edfinancial for a refund of student loans about 40 days ago ( sometime in XXXX ). It is difficult to pinpoint exact dates because they have not sent any confirmations of any kind. When I talked to them at the time, they said I was supposed to receive a confirmation email which I never got and they gave me no specific timeline on when I when I am to receive the refund or by what method. They couldn't even tell me the amount I am to receive back. I called them again today XX/XX/2022 to check on the status and it took getting to a higher tier customer service representative for them to even see my account. They still gave to timeline to when I am to receive my refund or any other information about it other than it is still processing. I am not even able to create an account on their website until I receive the refund apparently which makes it impossible for me to check on the status or know anything. I have no receipts or anything to show that I will receive anything at all.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) # XXXXXXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX. On XXXX I paid a parking ticket to park my car at the XXXX XXXX  in the amount {$37.00} with my credit card. This company is under this name : XXXX and the way described when you purchase online they send an email with a code so we can go and park the car. I paid and wait a few minutes for the email confirmation but never came, this company never sent and took my money and I couldn't park XXXX car at the place they set me. I arrived at the Valet Services XXXX XXXX XXXX and they told me without the code I could not park my car. The manager told me I have to pay or call the company and I did but no answer, left me with a new charge because I have to catch my flight that night and I paid a new parking in the amount way greater because wasn't done online to get discount, I with my XXXX XXXX debit card {$72.00} for the 5 days starting at XX/XX/21 at XXXX XXXX  ticket # XXXX plate XXXX ending in XX/XX/XXXX? XXXX at XXXX XXXX. So I complaint to my credit card they credit me and told me would investigate and if they need will ask me for documents to support. The company responded capital one saying " merchandise was received and in perfect condition '' no support documentations and capital one charged back given this fraudulent parking company the right to charge me and not give me the spot to park my car. Capital One sent me an email saying I have to proof and considered my case closed. I want to dispute and provide any receipts that I had to pay for a new parking and I never used that one for {$37.00} because I didn't have no confirmation sent to me on a email.
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. 

XXXX : # XXXX, US DEPT OF EDXXXX : XXXX XXXX, US DEPT OF EDXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, U.S. DEPARTMENT OF ED : # XXXX, U.S. DEPARTMENT OF ED : # XXXX, U.S. DEPARTMENT OF EDU : # XXXX, U.S. DEPARTMENT OF EDU : # XXXX, XXXX XXXX XXXX # XXXX, XXXX 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 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 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: Debt collection

I had a XXXX XXXX account submitted to XXXX XXXX XXXX. I entered into a payment settlement offer with that company to resolve the XXXX account balance. The agreement was entered into on XX/XX/, and was if I paid {$1300.00} the account would be settled in full. I made the payment for the settlement amount directly to XXXX XXXX XXXX. However, on XX/XX/, XXXX sent the exact same debt to a different collection agency, McCarthy , Burgess & Wolff , Inc . I spoke with XXXX and they said the account is closed on their end and should be reflected in XXXX 's records as paid since it has been paid for 2 months. I have tried calling XXXX and have not gotten any assistance. This account is still being reflected on my credit report as outstanding despite the fact that it is paid and closed. Can you please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps reporting accounts that are in someone else name and social security number. The following items on the enclosed PDF file are not mine. There is an alternate social that XXXX  keeps reporting and can not get it through their head that the alternate social being reported IS NOT MINE and all the creditors have verified this and told me they removed the item, but yet XXXX continues to report it. I have enclosed a printout of the items, every item in YELLOW is NOT MINE, also a copy of the latest three police reports filed. The two addresses in yellow are not mine either. XXXX said they would remove it, Wells Fargo sent a letter to remove it and yet they appear still on my report.
Product: Mortgage

Under HARP, I had negotiated a refinance with Flagstar Bank and received an email saying I was " Approved '' with a " Commitment Letter '' as attachments to the email in 2010. I also received a letter through the US Mail saying Flagstar Bank was " committed '' to helping me keep my home. However, before any payments could be made at the lower interest rate I received a phone call from Flagstar Bank saying the refi loan was not approved. 
I had never been behind on my payments and was not asking for a principal reduction, just simple refinnance to lower interest rate. After continuing to press the bank for two more years to lower the interest rate and live up to their agreement, I was finally forced into giving up the home. Had the payments been lowered with the refinance, it would have lowered the monthly payment by over {$200.00} per month, making it an affordable $ XXXX. 
Flagstar Bank has paid millions of dollars in fines for treating people like me in the manner i described and forcing them into foreclosure. I feel that I am due and eligible for damages from the monies they have paid for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 i have been trying with the help of XXXX out credit restoration to dispute misinformation on my credit report. We have sent in multiple request and reports to Transunion on multiple dates for the past XXXX  years i have submitted police reports, case numbers etc. i have also been notified of breaches and had credit monitioring services and done dispute after dispute and nothing has been removed that was negative from my credit reports. this has severely impacted my credit ratings and dropped my scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX Santander XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out each company Stating that i have no knowledge of these inquires on my credit. each company stated that they have have no knowledge of these accounts on their end and that i should contact the credit bureau for further assistance. I have no knowledge of these inquires they are fraudulent and i would like them removed immidiately from my credit. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Mortgage

I was given a repayment plan which I am grateful for however I called HomeLoan to let them know that I have a concern regarding the wording of the letter. The letter states that if the payment is not received by the XXXX the plan fails. I advised the rep that, that is not what I was told. I was told that it has to be paid within the month and that it can not go past the month and that it would accrue a late fee. My payments are biweekly which the rep asked how I received my payments and even asked when I would be making my payment. It was never communicated that it had to be by the XXXX so i feel that I was not counseled properly. I made my calendar for payments from what I was advised. I was told that it states in the letter when the payments have to be made and I advised that i do understand however the letter came after I made the phone call to get the payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 hard inquiries that I have no knowledge of : Bank of America XX/XX/19 XXXX/XXXX  XX/XX/19 XXXX/XXXX  XX/XX/19 XXXX XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19
Product: Debt collection

This is a fraudulent account and I want this account removed ASAP from my credit report. This is not mine and it is causing issues in me getting approved for my house. 

The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports.
Product: Debt collection

I was sent a letter on XX/XX/XXXX that I owed a medical bill from XXXX XXXX in the amount of {$28.00}. I mailed a letter along with a copy of the receipt on XXXX XXXX. I then received another letter regarding the same bill on XX/XX/XXXX, almost a year later for the same debt, even though they had already been informed by phone and mail that the debt had been paid prior to their involvement.
Product: Consumer Loan

On XXXX XXXX, XX/XX/2015 my father and I went to USBank XXXX XXXX XXXX XXXX, CA XXXX to apply for an equity loan with our Florida XXXX House as collateral if needed. My father 's XXXX house at XXXX XXXX XXXX XXXX XXXX, Florida is appraised for {$750000.00} and is paid for. We were applying for {$60000.00} for repairs we 're been doing since last XXXX. XXXX XXXX and XXXX was assisting us with collecting the information we brought with us to the bank ( w'2 's and property tax for Florida property and income statements. We were told that it takes about XXXX days for process to be completed. I received a call on the same day XXXX/XXXX/XX/XX/2015 at XXXX XXXX. from XXXX stating the loan was denied and he did n't have a reason as to why. On XXXX/XXXX/XX/XX/2015 I went back to the bank and XXXX told me that the computer denied the applicatin, and still no reason was given. We feel as if the loan was never given consideration. Unfair practices and when I call and insisted on a denial letter or reason, none was given. WE are XXXX XXXX and have combine income over {$7000.00} monthly income. We are able to repay the loan and other information was never collected or considered. I 'm requesting an immediate investigation be given against XXXX XXXX and XXXX at US Bank and the denial be overturned immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute information in my credit report that is inaccurate and has been reported in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). I have discovered errors in my credit report that have negatively impacted my credit score, and I am requesting that these errors be corrected immediately. 

I have identified the following accounts that are reported inaccurately : XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX  XXXX charge off account OAG CHILD SU XXXX charge off account XXXXXXXX XXXXXXXX charge off account XXXX XXXX collection account XXXX  collection account XXXX XXXX collection account XXXX XXXX  XXXX charge off account XXXX XXXX charge off account XXXX XXXX XXXX XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX XXXX XXXX charge off account XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account XXXX XXXX  XXXX collection account XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXXXXXX XXXX XXXX XXXX A XXXX collection account XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXXXXXX charge off account XXXX XXXX XXXX XXXX off account XXXX XXXXXXXX  XXXX charge off account
Product: Mortgage

HiIn 2013 I filled a complaint against GMAC Mortgage, regarding the national mortgage settlement. I explained that this loan should qualify for the national mortgage settlement. GMAC respond was that it does not. 
I have proof that this loan should have qualified for the national mortgage settlement and GMAC should honor it.
Product: Mortgage

In XXXX of XXXX, I decided to refinance my 30 year loan to a 15 year loan at an APR of 4.375 % using XXXX XXXX. In XXXX of XXXX the loan was sold to Mr Cooper. 

In XXXX of XXXX, I decided to refinance my loan with XXXX XXXX lowering my rate to 3.125 %. XXXX XXXX was used to handle the escrow and title components. According to representatives from XXXX XXXX, a loan payoff amount of {$99.00}, XXXX was given to them by Mr Cooper which was valid until XX/XX/XXXX. 

The loan was a Heloc type, so all the documents were signed on XX/XX/XXXX then after the full 3 day wait period the remainder of the documents were submitted on XX/XX/XXXX and the loan was funded on XX/XX/XXXX at around XXXX XXXX. 

Mr Cooper acknowledged receipt of the {$99.00}, XXXX amount on Friday XX/XX/XXXX ; however, they moved the money into an unapplied funds category and refused to payoff the loan claiming there was a deficiency of {$210.00} in the escrow account. As it turns out, Mr Cooper disbursed the homeowners insurance on XX/XX/XXXX but did not contact the homeowner nor the title company about a deficiency created by this action. 

Also, by not applying the {$99.00}, XXXX on XX/XX/XXXX, Mr Cooper then claimed I didn't make a monthly house payment so they charged an extra {$41.00} late penalty along with extra interest accrued although the payoff amount was good until XX/XX/XXXX. On top of that, Mr Cooper also paid out {$83.00} to XXXX XXXX XXXX on XX/XX/XXXX as part of the mortgage insurance when the loan should have been paid off. 

I contacted Mr Cooper on XX/XX/XXXX after I noticed that the loan had not been payed off. Per their website, they were indicating they would return the {$99000.00} back to XXXX XXXX by XX/XX/XXXX. The representative from Mr Cooper claimed they tried to contact the title company XXXX on Friday without any success. Another Mr Cooper agent on XX/XX/XXXX claimed they didn't try to contact XXXX   until XX/XX/XXXX which happened to be when I contacted Mr Cooper. 

I personally paid the amount of {$220.00} claimed by Mr Cooper that was needed to close the loan on XX/XX/XXXX via an electronic transfer ; however, when speaking to a Mr Cooper representative on XX/XX/XXXX, they said they would not close the loan until the transfer posts from my bank even though Mr Cooper submitted a receipt of payment to me on XX/XX/XXXX. 

I know this can be handled differently. I have a friend that just refinanced under the same situation where there was a deficiency in the payoff ; however, the bank that held the loan closed it then sent a bill for the remaining difference. 

Based on Mr Coopers poor reputation ( just check the CFPB database ) and after speaking to 4 different Mr Cooper representatives, I have very little confidence in this issue being settled appropriately and timely.
Product: Money transfer, virtual currency, or money service

Cashapp was charging me fees for a business account. When I had a personal account and I asked for a return for all past fees that I paid before the corrected the errors and wasn't refunded nor addressed