23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Yesterday, XX/XX/2021, I reached out to the servicer of my conventional mortgage to set up a bi-weekly payment option. Being in mortgage myself, I understand the compounding benefits of doing so to basically knock years off the life of my loan, but also save 10s of thousands of dollars as well. I initially was unable to do this on their website, so I ended up calling them. When I was about to set it up I had the representative read me the terms and noticed that the payments were not going to be applied at time of payment, ( meaning the interest being compounded would stick to the amortization schedule and not an accelerated one, ) but rather would be held until the full payment was received and then would be applied as a regular payment to the loan. 
I feel that by not having the option on their website, they are able to obstruct how their payments are being applied and it wasnt until I confirmed with the representative how it was going to be applied that I understood there was no additional benefit.
Product: Debt collection

I received a call this morning from XXXX at XXXX, this person asked to speak with me and I said, " May I ask who's calling? '' because I did not recognize the voice nor did they list a business name. They stated, " XXXX XXXX '' even though it was a male 's voice. Then in a extremely stern voice, said, " Now is this XXXX XXXX '', I said " Yes, may I ask who is calling? '' in hopes that they would give me a business name. I honestly panicked because it was a local number and I thought it might have been one of my children sick at school or something. At this point XXXX raised her voice and said, '' MA'AM I just told you who it was this is XXXX XXXX and I am calling with National Credit Systems ''. I said " yes, and what is this in regards to? '' and She yelled at me again and said " MA'AM I'M TRYING TO GET THERE IF YOU WOULD LET ME ''. At this point, I stated " uh, uh, no ma'am I don't have to take that kind of tone, '' basically asking her to calm down and she hung up on me. I called back twice at XXXX and XXXX trying to speak with a supervisor to report the call and to figure out what the debt was for and both times they continued to try to collect the debt instead of listen to me and the call at XXXX when I tried to escalate, they hung up on me again. Then the call at XXXX, I actually corrected my information that they had incorrectly on file, which goes to show I was willing to speak with them and not irate, but when I mentioned filing a complaint, I was told twice that there was no one I could speak with in regards, to my complaint.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I took out a small loan from Net Credit who solicited me over 25 times to take the loan. My credit score at the time was around 640-660. I was told over the phone that my payments were going to be low and would have a good interest rate because my credit score was ok. After speaking with them they had me send some documents over and then told me the loan was approved and would be deposited in my account the following day. I went through a document that should my payment schedule if I made the payments on time when would my payment start to decrease. They told me all I had to do was pay a little more than the payment due and my payment would start dropping. 
The next day I pulled up the document they sent me to see exactly how many payments I will have to make. They also told me with each payment made on time it will decrease my percentage on the loan the more on tie payments I made. 
At the time I took the loan while I was not fully in my correct state of know-how and in some distress because the rush to get the loan accepted and done was the focus. In this mad rush, there was one page I did not recognize on the page was the interest rate buried I am large paragraph I verbally asked what was the interest rate they consistently told me b it could by 19-35 % based on my credit score.

I didn't dig deeper since I knew my credit score wasn't bad so I could probably deal with the 19 up to 21 % and especially since my interest would go down as my payments come in, I would be ok even if I had to be in the hospital. I am XXXX XXXX and suffer from XXXX and XXXX XXXX, XXXX, and XXXX XXXX XXXX. 
The loan was for {$5000.00}. My monthly payments are {$290.00} so I figured about 20 payments. I was devasted and shocked that they had given me the loan at a 65 % interest rate!!! I never heard of anything so high in my entire life. I panicked and called them to ask them why was I at such a high-interest rate when my credit was fine. I told them I could not do this and could drop the huge devasting interest rate. 
I have been paying this bill since XX/XX/2020 at {$290.00} a month. I am terrified I can not fulfill this process on these terms with this astronomical huge unheard of interest rate. Someone told me it's illegal. I have been making payments for over a year and my loan is still for {$4900.00}!! I have paid them as of this date a total of {$3200.00} but they show I owe still the {$5000.00} just about. Please can you help they are taking full advantage of me because of an emergency? I would never have agreed to take the loan out if they would have verbally on the phone during our validation and loan info that I would be paying 65 % in interest. They never told me while doing the application over the phone that I would be subject to this fraudulent loan. Anything you can do to help I appreciate greatly. 

Thank you
Product: Credit reporting or other personal consumer reports

Under 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. I am a victim of Identity Theft. I have NOT opened, benefitted, or authorized anyone to open any accounts in my name. 
XXXX XXXX XXXX XXXX {$0.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$76000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX I looked at my Transunion credit report on XX/XX/XXXX, and noticed some incomplete and inaccurate things. Also, the Credit Bureau is reporting fraudulent accounts on my profile. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are supposed to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are supposed not to 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: Money transfer, virtual currency, or money service

On XXXX XXXX, I deposited money for my father in XXXX. The online portal that MoneyGram has Only allows you to put the receiver name and receiver last name. Due to my father having a middle name, he was unable to get the money transfer. This is MoneyGrams fault because I was only asked for first and last name. I tried to log in and coincidentally my account was not identifiable and had an error. After I called Moneygram, they said they can cancel transaction but I would n't get my money until 10 days. That sounds like fraud to me.
Product: Credit card or prepaid card

I have gotten several Unauthorized charges from XXXX on my cash app card. My card has never been used on XXXX. XXXX refuses to remove them and cash app is ignoring my complaints. Cash app is defrauding people by allowing access to peoples card numbers and not responding to their disputes. This must be stopped XXXX is also defrauding people. If I dont have a XXXX account its obvious I didnt make the charge. They wont let you dispute the charge unless you have an account.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My right to privacy is being infringed upon by LexisNexis. This Company is disclosing my nonpublic personal information to non-affiliated third party companies such as XXXX, XXXX, and XXXX after I have instructed them to cease in doing so via an opt-out notice.
Product: Mortgage

I currently pay every week due to budgetary restrictions. When the payment is processed it get applied to the principal and not the monthly payment. Each month I have to contact the company to correctly apply my payment. It appears that the payments are not posted to the actual payment date. It appears as though the payments are applied to the payment due date. By doing this the interest is not reduced at a faster rate and making me eligible for an early payoff.
Product: Debt collection

Rushmore Loan Management never billed me for my mortgage payment. Rushmore became the mortgage servicer after XXXX filed bankruptcy and has been found to have harmed consumers. 
Rushmore Loan Management never entered their name in the foreclosure case ( XXXX City Circuit Court case # XXXX ) Rushmore never put their name in my credit report or XXXX City Land Records, but was involved in the foreclosure action of XX/XX/2020 ; but is not in the court docket. 

I had communication from Rushmore because the Md. Commissioner of Financial Regulation gave me their name. I wrote letters and called but there was no record of my account. 
I received the first billing on XX/XX/2020. After HUD investigated, Rushmore sold the mortgage servicing to XXXX XXXX. Rushmore gave XXXX XXXX a fraudulent Deed of Trust and escrow document. I, the homeowner pay my own property taxes and insurance. It was XXXX that passed the fraudulent documents to Rushmore and now the fraud continues. 
XXXX XXXX is returning my mortgage payments because of fraudulent documentation received from Rushmore. I was billed until XX/XX/2020 and there is no arrears according to their billing statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my free annual credit reports from Equifax, XXXX, and XXXX on the same day. The reports from XXXX and XXXX  arrived within 15 days, showing the date ordered ( XX/XX/XXXX ). The Equifax report arrived about a month later, showing the date sent ( XX/XX/XXXX ). When I called asking them to correct that mistake they said they couldn't and I would have to wait until after XX/XX/XXXX to order my report next year. This is unacceptable since it is the first time that all 3 reports didn't have the same date in them. The federal Fair and Accurate Credit Transactions Act provided for these free annual reports and they didn't call it the " annual, plus 25 days '' report. I always order my credit reports on the same day and don't want to delay two reports that come on an annual basis to allow for more than a year for delivery of the third report.
Product: Checking or savings account

Today I received an ach from the small business administration. Unfortunately at this time I am unable to open a business account. I explained this to my loan officer and he specifically told me that it would not be a problem Bank of America is unfairly trying to force me to open a business account with them and holding my funds which I really need to access. I even told the bank manager ( XXXX XXXX XXXX ) Vice President of Bank of America located at XXXX XXXX XXXX XXXX, Il XXXX that that I had documentation to prove the origin of the funds and he told me outright that he believed the transaction was fraudulent also I spoke with XXXX XXXX ( XXXX ) XXXX and she was of no further assistance and was very condescending as well. I feel I was XXXX  profiled at this particular bank which I have banked with for years. I intend to seek legal counsel and damages as well as contacting different media outlets along with the aclu.
Product: Bank account or service

We have a loan with Umqua bank. They automatically retrieve the monthly payment from our bank account. They retrieved the monthly payment twice this month. They admit that they have accidentlly taken the monthly payment twice, however they have yet to refund the payment.
Product: Bank account or service

I opened a bank account with a stipulation to get {$300.00} if I made {$5000.00} of deposits over the period of 60 days. Now the bank says it should have been over 30 days.
Product: Student loan

I was attending XXXX University ( online ), my term started XXXX/XXXX/15 and ended XXXX/XXXX/15. On XXXX/XXXX/15 I informed my student advisor due to a XXXX and health factors I need to drop out of school. After having to call again on XXXX/XXXX/15 because no action was taken and speaking to XXXX different student advisors and XXXX financial advisors I was able to drop my classes and was told I had to pay before I could attend classes again which I was fine with. XXXX/XXXX/15 bill from XXXX University showed no charges and the XXXX/XXXX/15 bill showed the charges for the classes I dropped. On XXXX/XXXX/15 I got a call from Van Ru Credit Corporation stating I have not paid my bill in 131 days ( which would be XXXX/XXXX/15 ) and the XXXX term that I owed for did n't even start until XXXX/XXXX/15. She also stated that at 135 days that they would start tacking on interest and report to credit bureaus as bad credit. I tried to work with XXXX University where XXXX people there and XXXX people at Van Rue Credit told me that they were not a part of XXXX University and they could n't help me. So I did n't even have a bill saying what I owed until XXXX/XXXX/15, was threatened that I only had 4 days to pay on XXXX/XXXX/15 or it would be reported to credit bureaus as bad credit, and that I had n't paid in 131 days even though the classes I was paying for had n't started till XXXX/XXXX/15 which was only 86 days from the first phone call I received about it, and only 3 days from the first bill I received regarding the debt.
Product: Credit card or prepaid card

I have been a Citi credit card customer since XX/XX/XXXX. On XX/XX/XXXX, I called Citi at XXXX to request a replacement credit card due to the chip not working with my current card. They indicated they would mail the replacement card via US mail. Over a week went by without receiving the card, so I called Citi back on XX/XX/XXXX. The Citi representative indicated that he  would overnight a new replacement card at no charge to me. For some unknown reason, the Citi representative ordered two replacement cards to be sent via XXXX trackable overnight shipping. On XX/XX/XXXX, I received notification from XXXX that the cards had been delivered to my home and " left at front door ''. I checked my front door, and the neither XXXX package was there. I contacted both Citi and XXXX and spent a good part of my day concerned that my card ( s ) had been lost/stolen. I asked Citi to report my card as lost/stolen and overnight a new card to me with a new account number, and require my signature from XXXX since the previous two cards had apparently been lost/stolen. The Citi representative refused to require my signature. Later that day, I found out that the cards had been delivered to the wrong address. On XX/XX/XXXX, I noticed a {$6.00} " expedited card service charge '' on my transaction history that was assessed on XX/XX/XXXX. I called Citi and spoke with XXXX / XXXX and explained the situation and asked that she refund this {$6.00} charge. She indicated that she needed to perform an " investigation ''. I asked to speak with her manager, XXXX, who apologized and indicated that XXXX could have refunded the {$6.00}, but that he would take care of it on XX/XX/XXXX, following my statement end date of XX/XX/XXXX.
Product: Debt collection

I been sick since 2014 and went on a medical XXXX. Because of a drastic change in my income for my household I fell behind all bills. I was not aware of the contract I signed with XXXX for home security when I was told differently that it was trial promotion. Because of my medical XXXX I have been very forgetful with my memories lately and it 's hard to make decisions when needed to. With that being said I did try to make payment arrangements and I failed to keep them because I forgot to put it on my calendar. I was supposed to get a call reminder but ca n't remember if I ever received one.
Product: Credit card

A {$500.00} line of credit was opened with XXXX in XXXX by someone who gave an address in XXXX, Maryland. I've never lived in XXXX Maryland. In fact, I have been living in the state of California and have not left the state at all since XXXX. Someone at XXXX XXXX  told me that they do not require a photo ID to open a line of credit. Therefore, they have no idea who opened that account. The {$500.00} line of credit has ballooned to XXXX, And that is being reported monthly on my credit report. XXXX XXXX  advised me to contact their collection attorneys, XXXX XXXX  XXXX. Three attempts to do that have failed. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I called and got a message that no one was available and that I should leave a message, which I did with all of the relevant information, and requested a call back. None was forthcoming. This is the only negative item on my credit report and it is messing up my credit score. I want it removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of an account on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is with XXXX XXXX XXXX, which is reporting the account as past due. However, I have documentation and notifications indicating that this account was closed and charged off without my prior knowledge. 

I believe this information is inaccurate or incomplete for the following reasons : 1. I was not notified that the account was closed and charged off, as required by law.

2. The reporting as past due does not align with the notifications I received.

I kindly request that you investigate this matter thoroughly. If you find the information to be inaccurate, I request that you : Delete or remove the XXXX XXXX XXXX account from my credit report, or Correct the inaccuracies, ensuring all information reported is complete and accurate. 

I have attached the following documentation to support my dispute : 1. [ Copy of notification regarding account closure/charge-off ] 2. [ Copy of my credit report highlighting the disputed information ] 3. [ Any other supporting evidence ] Please complete your investigation and respond to me within the 30-day time frame required by law. Additionally, I request written confirmation of the actions taken regarding this matter. 

Thank you for your attention to this important matter. I look forward to resolving this issue promptly.
Product: Checking or savings account

Fraudulent unauthorized ACH withdrawal by XXXX XXXX  from Wells Fargo bank checking account ... # XXXX on XXXX for " Garbage/Water '' We don't have any Garbage/Water service from them. As per XXXX search XXXX XXXX  is technology company and has not been in business of Garbage/Water service. XXXX, XXXX, I called Wells Fargo on XX/XX/XXXX, ( next day ) about fraudulent charges of {$170.00}, Wells Fargo Fraud claims no : XXXX, On XXXX : spoke to fraud dept, Claim Declined and said " Federal law requires to report fraud complain in 24 hours of fraud posting on the account, so money is not going to be refunded ''. 
On XXXX : spoke to XXXX XXXX, Wells Fargo case number : XXXX, XXXX Executive Case Specialist, Wells Fargo Business Virtual Channels, XXXX, Declined description of the ACH withdrawal matched checking account info, so refund is not given for fraud claim. two different stories by Wells Fargo bank. Again on XXXX : spoke to XXXX ID XXXX Resolution dept/Assistance Unit, Declined and said fraud happened and posted XXXX XXXX of XXXX and I called on XXXX at XXXX-36 hours after posted on checking account so fraud claim was declined.
Product: Consumer Loan

I had a business line of credit with Wells Fargo Bank. My company went bankrupt but we continued paying on the loan. Wells Fargo unilaterally discontinued our account access and sent no statements. They contacted us after XXXX months and still refused to give us account access since it was part of our company, but they said we had to pay it since it was personally guaranteed. They still would n't send any statements or billings. Today they took over {$3400.00} out of my personal Wells Fargo account. They still have not given me any written explanation of the amount, fees, interest, anything. The representative at Wells Fargo XXXX XXXX at XXXX XXXX was not only rude but also refused to give me any information about the amount taken.
Product: Mortgage

First Choice Lending Services processed my mortgage with a fraudulent appraiser report. 
They assisted the Seller XXXX XXXX XXXX XXXX XXXX who is also the owner of property and, the real estate company I hired to find my home, the realtor who assisted me, and the closing attorney as well as the mortgage company who services my loan in continued fraud. Due to the appraiser report being completed on a different property other than the one I purchased, I had to move out of the home 4 months after I moved in. Included in the sale was a home warranty that didn't repair or replace the broken water heater that finally went out in XX/XX/2020. I filed a complaint withXX/XX/XXXX-XXXX  and the company responded by saying they hired a FHA Approved Appraiser. However, their appraiser 's report was for the wrong property and failed to disclose major material defects. They inflated my Social Security to approve the loan. My mortgage payment was over half of my net income and I used all my remaining savings to fund the loan. Once I closed on the home the mortgage was turned over to XXXX XXXX XX/XX/XXXX. I have filed a complaint See CFPB XXXX and it was closed and supposedly forwarded to First Choice Lending Services to which I have had no response from. During the closing process the attorney assigned by the realtor closed with additional fraud being created. They allowed the seller to sell the property without a business license, the sellers wife was not present at closing, funds for a inactive homeowners association were paid during closing and never refunded. The list goes on and on