23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX, I applied for the federally subsidized, pandemic mortgage assistance program that was just started that month after finally being approved by the XXXXXXXX XXXX XXXX. The program in my state, XXXX, is called the XXXX  XXXX and is administered by the XXXX Department XXXX XXXX XXXX. I was then instructed when after I applied to contact my lender service provider, XXXX aka XXXX XXXX XXXX XXXX to request their participation in the program. In XXXX, XXXX I was notified by XXXX that they would agree to participate. I was approved for assistance in XXXX, XXXX, and a payment was made to XXXX in XXXX, XXXX. At the time I applied for assistance and notified XXXX, my mortgage was current and there were no past due payments. After beginning to participate in the XXXX XXXX program, XXXX began to report my payments as past due for XXXX days starting in XXXX, XXXX days in XXXX, and then XXXX days for XXXX, XXXX and XXXX. After payment was made to them by the XXXX XXXXXXXX program in XXXX, XXXX, they did not update my credit report to reflect payment until XXXX, XXXX. The update now shows my payments as current, but they did not update my credit report regarding the XXXX, XXXX and XXXX months of XXXX day past due payments. I disputed this with them and with the credit bureaus as it is my understanding that participation in any federal program for pandemic related mortgage assistance allows for credit protection under the XXXX XXXX ; as long as you are current with your payments at the time you begin to participate in any program. I have disputed the incorrect information now being reported in my credit report with all of the credit bureaus based on this. The credit bureaus have contacted XXXX and are claiming that XXXX is refusing to correct my credit report. Please contact XXXX and request that my credit report is fixed and should have been protected by the rules of the XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX, my husband deposited two checks into a joint account we have togther, one was overage from a title company and one personal check. Both checks were held for review ( not out of the ordinary ) so we waited. On XX/XX/XXXX, my husband tried to login to our bank account and gets a notification that the account has been frozen, not allowing us to withdraw funds. He called USAA to find out what the matter is and he is told the checks were being held for review and that the process takes 3 days and to wait till Monday for it to clear. He call Monday XX/XX/XXXX, account is still frozen, told to just wait longer. I also called, and they would not give me any information about how long we would be without funds and said that it was with the fraud department. Call XX/XX/XXXX, told to just wait longer. Keep in mind, the two checks aren't the only funds being held, it's all of his funds. Why is all of my funds being frozen if they were investigating the checks? Also, if they were investigating, why didn't they contact me? Why did I have to contact them to find out this information? Still awaiting resolution to this, and as of right now, we don't have any ability to take out money from my bank. They have given us no information as to what can be done to resolve this, and on top of that they keep saying they are investigating " attempted fraud '' which is downright insulting that they would automatically assume my husband was committing fraud, before a full investigation. 

My wife and I have been taking turns calling up USAA to get our account unfrozen. I doubt this will hasten the account to be unfrozen but it is cathartic to vent. Although both checks have cleared into our account, we are unable to access $ XXXX of our own money!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a transfer of {$XXXX} from my USAA account to what I believed was my sisters XXXX checking account. However, due to an error, I mistakenly entered an incorrect account number. The name on the transfer was listed as XXXX XXXX. When the funds didnt reach my sisters account by XX/XX/XXXX, I logged into my USAA account and saw an " Action Required '' notice next to the linked XXXX account. At this point, I changed the account name to " NOT XXXX '' and realized there was no " Transfer Authorization '' document listed on my transfer activity page. 

On XX/XX/XXXX, I contacted USAA customer service via their chat function to open a dispute, as customer service was closed, the issue was not resolved immediately. I then called XXXX customer service, and they assured me that their policy is to verify that the name matches the account number before authorizing any funds transfer. It was AFTER opening the initial dispute that I received the " XXXX XXXX XXXX XXXX XXXX '' memo attached below. 

On XX/XX/XXXX, I called USAA customer service again to re-initiate the dispute. I called USAA several more times over the following days, but the case was repeatedly closed without resolution, and no follow-up calls were made despite assurances. Between XX/XX/XXXX and XX/XX/XXXX, I called numerous times to request updates and to reopen the dispute, spending hours on the phone, but with no progress. 

On XX/XX/XXXX, I was told that an indemnification document had been sent to XXXX, but no specific timeline for a resolution was given. From XX/XX/XXXX to XX/XX/XXXX, I continued to follow up with no significant progress. On XX/XX/XXXX, I was informed that USAA had concluded their investigation without taking any further action. No clear explanation was given as to why the transfer was allowed without an authorization document or why XXXX has not responded to USAAs inquiries or provided any documentation regarding the disputes resolution. 

To date ( XX/XX/year> ), I have spent over XXXX hours and XXXX minutes in communication with customer service teams at both USAA, with little progress and no resolution. Both banks have failed to provide adequate support or follow their own policies regarding name and account verification. As a result, I am filing this complaint with the Consumer Financial Protection Bureau to seek assistance in recovering the {$XXXX} transferred in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Again with a complaint against XXXX, EQUIFAX AND XXXX in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against EX and all CRAs listing erroneous accounts under my name and social security number. 
EQUIFAX, XXXX AND XXXX  are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the 100th time I have made specific demands against this felonious organization to remove such information from my EQUIFAX credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX XXXX IN ACCT : XXXX AMT : {$650.00} XXXX/XXXX ACCT : XXXXXXXXXX XXXX : {$1000.00} XXXX/XXXX   ACCT : XXXX AMT : {$3400.00} XXXX/XXXX XXXX XXXX   ACCT : XXXX AMT : {$880.00} XXXX/XXXX   ACCT : XXXX AMT : {$3000.00} XXXX/XXXX ACCT : XXXX AMT : {$3100.00} XXXX/XXXX ACCT : XXXX AMT : {$640.00} XXXX XXXX   XXXX ACCT : XXXX AMT : {$700.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$800.00} XXXX/XXXX ACCT : XXXX AMT : {$660.00} XXXX/XXXX XXXX XXXX ACCT : XXXX AMT : XXXX As can be seen on my report, I have ZERO collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I have opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

XXXX XXXX XXXX XXXX XXXX-XX/XX/2019 XXXX XXXX-XX/XX/2019 XXXX XXXX-XX/XX/2019
Product: Debt collection

There was never any money owed to XXXX.. The collection agency has false information and will not work with me to try to resolve. They reported to the credit bureau and will not try to resolve or work with me on any of my attempts. its only {$220.00}. i offered to pay the amount just to get it off my credit. But they still will not make an effort to remove their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my complaint XXXX Transunion responded : '' We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. If youre working with a third party such as a credit repair company or credit clinic, they have to identify themselves in their communication to us, and provide proof that youve authorized them to communicate with us on your behalf. '' Please note that I am not using any third party or " credit clinic '' services at this time ( although I do have the right to do so ). The complaint XXXX was initiated by me and I do not understand what made you think that " it didnt appear to have been communicated by you .. '' as I have not only provided my name, DOB and last 4 digits of SSN but also attached a copy of complaint to FTC XXXX 
Therefore, please investigate and delete disputed accounts : 1. XXXX XXXX Account # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX Account XXXX
Product: Vehicle loan or lease

To whom it may concern : I have been dealing with Ally Financial for approximately 6 years with an auto loan. In the month of XXXX I had spoke with an Ally representative requesting an extension for my XXXX payment. The represented submitted my request and I was advised they will contact me to verify if request was approved or denied. 
The following week I received a phone call from Ally requesting to collect a past due balance. During the call I advised the representative that an extension was submitted and requested if we could review that. The rep places me on hold for a minute or two. Once they break the hold they advised that they request was approved. I asked the rep again to verify it was approved and they stated yes. I then asked if this was approved why am I receiving this phone call? The lady apologized and advised she will have my information removed. About a week later I received another call requesting to collect a past due amount. I speak to the rep and they stated the approval was never approved. I then asked if every call is notated and if they can pull up the notes and if I can speak with their representative. They then confirmed that they see a call was made out on that day but no notes were left on the file. My next request was to speak to a supervisor to have that call pulled. The supervisor said they have to submit the request and a manager will give me a call back. 
A week passes by and I receive a call from a " supervisor ''. The gentleman most likely did not read any notes. I had to explain everything again to another representative. Once I brought him up to speed I asked if they obtained the recording. The gentleman advised no and then stated he will have his manager reach out to me within 2 days. After not hearing from anyone I attempted to call back the number the gentleman called me from but the number was not valid. 
After calling back the customer service number I spoke with a gentleman by the name of XXXX who actually read over the notes thoroughly and apologized. He then advised he can not pull the recording but advised me to switch my bill date for the time being in order to prevent the negative hits I was receiving to my credit score.  He then stated that I will be contacted the upcoming business week from a manager. This issue began in mid XX/XX/2018 at this very moment XXXX pm mst I am on my 4th call to Ally in efforts to resolve my issue. The most upsetting thing about this process is that there is no representatives you can speak with in the states. My credit score has been dramatically impacted by this run around and I have yet to receive any resolution at this time.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX 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: Credit reporting or other personal consumer reports

on XX/XX/year> a letter was sent to XXXX advising there was incorrect information reporting to my credit about a few collection accounts and they have yet to respond and correct the issue
Product: Mortgage

This is a disputed response to previously filed claim against Paymap and Western Union CFPB Complaint Number XXXX. 

Paymap issued a stop payment for the re-issued check in the amount of {$520.00} after it was deposited XX/XX/2017. My bank issued a notice of returned deposited/cashed check due to return reason : Stop Payment by Paymap Inc. Attached is the stop payment notice I received from my bank. I was not able to collect promised amount due to the above reason thereby I am disputing Paymap 's response. I called Western Union/Paymap 's Corporate Headquarters at XXXX, and provide the Western Union Reference # XXXX but there was no one to answer my call despite several trials. 

I am formally submitting a compliant to have Paymap re-issue the payment of {$520.00} in the form of Cashiers Check issued to the correct pay to the order of : XXXX XXXX as originally disputed on claim. Mail payment to : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX.
Product: Student loan

Heartland ECSI is handling the servicing of my loan. My loan is in good standing and I'm paying it off ahead of schedule. I'm currently using automatic withdrawal and paying about 2 1/2 times the required payment amount each month. I should have the loan paid off about 5 or 6 years ahead of schedule. 

Using ACH as they call it meant that I was on paperless billing which was fine with me. I didn't need a monthly statement and all my account information was online. I preferred not getting statements because it kept the information out of my mailbox and away from identity thieves. 

This last month, I got a statement which was concerning especially since it indicated I owed a payment on the front page - I don't. The purpose of automatic withdrawal is that my payments get made for me. 

When I asked about this, they said they started issuing statements for ACH customers so 'they knew their payoff ' amount and they'd started doing this months ago. 

This is nonsense. 

First because the payoff amount has always been at the top of the screen when you login. Second because the statement is designed to make it look like you are no longer on ACH and owe a payment. It is designed to panic you. Third, statements didn't start arriving 'months ' ago. 

The bills themselves are also deceptive. They in now way indicate that ACH customers do not owe the bill or have made the payment. They are designed to get ACH customers to pay twice. 

And the company is completely unapologetic about and insists we were not 'enrolled ' in paperless billing and they didn't XXXX up. That this is 'our fault '
Product: Credit reporting, credit repair services, or other personal consumer reports

Three weeks ago, I was turned down for credit at local XXXX XXXX XXXX XXXX. The bank that manages Lowes ' credit accounts is Synchrony Bank. I was told they would contact me within seven to ten days. But they have not told me why my application was rejected and it has now been almost four weeks.
Product: Mortgage

I have a house loan with Central Mortgage Company ( CMC ) in AR. In XXXX XXXX, I had issues with my house & it required work ( major reconstruction ). My insurance company agreed on the construction - work was performed & finished XXXX XXXX. The problem is the CMC is not issuing the check to pay the contractor for the repairs on the house. They are instead sitting on the check in their account making interest - since the insurance company had to cut the check to the mortgage company, myself, and the contractor. Information required from the contractor has been sent in two times to the CMC, yet they want it again. This has been going on since XXXX & now it is XXXX. The contractor is speaking to a lawyer, I am afraid my house will have a lean against it, & I will be sued. This could cause me to be homeless & on the streets, not good for someone XXXX. I keep speaking with CMC customer service & someone in hazard insurance department. They state they need the liability information on my contractor, yet they were sent this information twice & CMC & keep losing it. Further, CMC XXXX, I live in XXXX. There is no reason they need to see his liability insurance, especially since the work is done & the insurance company XXXX only allowed the contractor to work on the house since he was licensed XXXX, insured, & trained. This contractor has done work on the house since XXXX. I need help please.
Product: Credit card or prepaid card

I signed up with Synchrony bank credit card through XXXX website in XXXX. The Synchrony bank has been charging me 1.6 % " Card Security '' fee to all my balances since the account was opened. I was not aware of such charge nor aware to elect such charges hence I consider this is an unauthorized charge item. I always paid my balance in full. Because Synchrony has not made it available for the complete record of my account, I calculated based on my own record that the balanced summed to be {$6000.00}, and unauthorized fees collected by Synchrony Bank is {$96.00}. 
Synchrony acknowledged the unauthorized charge, but only refunded {$31.00} upon negotiation. I am writing to report this unauthorization behavior for Synchrony and seek refund of {$65.00}. Thank you!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account : Capital one acct # XXXX Capital One acct # XXXX Capital one acct # XXXX Has violated my rights. 15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness
Product: Mortgage

I have been approved for the Home Owner Assistance program. I have a completed third party authorization form but my mortgage servicer will not accept any of my forms. They say they have no correspondence from the state. I was approved in XXXX, I sent my application in XXXX. These funds could be sitting and not even being processed or my documents.
Product: Debt collection

Please help me. My employer informed me today that they received an EMAIL from an attorney 's office for a judgement creditor named XXXX XXXX, XXXX. In the letter, was my complete social security number that ( by way of that email ) went to several persons within my company. 

I am completely embarrassed that this went to several persons in upper management and I feel that his has caused harm to my reputation. I did read about the XXXX XXXX XXXX XXXX and I feel that my rights have been violated. in that first ; they sent this to my employer, second ; they released my entire social security number to many individuals and third ; they have tarnished my reputation with a company that I have been employed with for 23 years. 
I have attached the letter that was emailed to my employer, but I hid my SS #. 
What recourse do I have? 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen and someone opened six fraudulent capital one accounts with my information. I have already submitted a police report and CFPB complaint about Capital One and five out of the six accounts have been removed from my credit score. One credit card account is still being linked to my information as capital one is still saying it belongs to me, and they are reporting a past due charged off account to my credit to XXXX alone. I have tried for months to remedy and Capital One has been extremely unhelpful and their fraud examiners do not call me back or update me on the dispute as they just close it. They have been awful to work with and nobody wants to/can help.
Product: Mortgage

This complaint is in respect to a mortgage payoff with Nationstar Mortgage LLC ( d/b/a Mr. Cooper ). In a recent closing on XX/XX/XXXX, the title company paid the payoff amount XXXX {$390000.00} XXXX on the payoff letter provided to me through the Mr. Cooper website. There was apparently some shortfall XXXX the source of which is not entirely clear ). Rather than applying the {$390000.00} to my account on XX/XX/XXXX, Mr. Cooper claims their policy is to suspend the amount anytime a payment on a balance comes in that is over 90 % of the amount due until such time as the remaining amount is paid. I find this practice to be inappropriate, as Mr. Cooper continued to charge me interest on the full principal balance of {$390000.00} for a full week until I identified the issue ( of which I was not contacted about ). Rather than applying the amount paid on XX/XX/XXXX to the principal, their " policy '' is to effectively take the money as an interest free loan AND continue to charge their customers on the full pre-payment principal balance, notwithstanding the huge lump sum payment they just received in respect of the applicable account. I find this practice to be predatory, as consumers such as myself may not be aware the payoff was short ( even {$1.00} XXXX and then continue to incur interest on an account that has been largely paid off. If Mr. Cooper wants to charge interest on the amount that was short, I have no issue there. Their practice is not fair and it is not properly disclosed on any documents I have seen. In fact, on their payoff statement, there is an FAQ section and the question on wrong payoff amount ( copied below ) says that they may send the money back if it is short, but does not say they will hold it as unapplied. If they chose to send the money back, then I would have found out about this issue sooner and it would have been resolved within a day ( and less interest would have been charged ). 

What happens if I send in the wrong payoff amount? 
If your payment is short and you have an escrow account that will cover the difference, then we will apply those funds toward the payoff. If you dont have an escrow account or the balance is not enough, then we will attempt to contact the sending source to satisfy the payoff. Please note, if this falls after the payoff date deadline or we can not contact the sending source, then a refund of the total payment amount will be issued back to the original source. For this reason, we encourage you to pay the amount that is stated on your payoff quote. 
In the event of any overages, you will automatically receive a check for those differences once the account has been balanced out.